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ZOOM+Care Health Insurance FAQs

    I’m a ZOOM+Care Health Insurance member. What does my plan cover?

    Here's how to find out what's covered by your plan:

    1. Log in from the "More" menu in the main navigation
    2. Select "Insurance Portal" and login or register with your membership card
    3. Select "Plan Details" under the "Coverage" Section to view your "Summary of Coverage"

    If you have a specific question about your plan's coverage, email our Help Team.

    Where can I find reimbursement forms?

    You can access your insurance related forms from your ZOOM+Care account on zoomcare.com or the iOS App. Log-in and select "forms and notices" from your account dashboard.

    Available forms:
    Medical Claim Reimbursement Form
    Pharmacy Claim Reimbursement Form
    Dental Claim Reimbursement Form
    Pharmacy Home Delivery Form

    If I have an Individual or Family Zoom+Care Health insurance plan, what will happen to my coverage?

    The insurance you bought will remain in effect through Dec. 31, 2017. This is not considered a Qualifying Life Event and you can not use this as a Special Enrollment period to enroll in a new plan. You are required to continue to pay your premiums. As was the case when you purchased it, your coverage will expire Dec. 31, 2017.

    Can I renew my current 2017 coverage through Zoom Health Plan?

    No, you will need to find new health insurance to begin Jan. 1, 2018. Individual open enrollment begins Nov. 1, 2017. You will need to enroll in new coverage by Dec. 15, 2017, to have insurance on Jan. 1, 2018.

    I am an employer and my coverage isn’t up for renewal until later in 2017. Will it still expire Dec. 31, 2017?

    Yes, your coverage will end effective Dec. 31, 2017. Groups that have not renewed yet are being determined on a case by case basis by the Division of Financial regulation. They will be issuing specific guidance for transitioning employer-based group coverage within the next few days. Please contact your insurance agent to begin the process of selecting new health insurance coverage for 2018.

    Businesses should contact their insurance agent to select new insurance coverage as their policies will expire on Dec. 31, 2017, no matter the original expiration date.

    How can I enroll in new health insurance for 2018?

    Open enrollment begins Nov. 1, 2017. You must purchase new coverage by Dec. 15, 2017, to have insurance on Jan. 1, 2018.

    There are many ways to shop for and enroll in new health insurance. Individuals can compare plans and enroll through HealthCare.gov, with the help of an agent, or directly with an insurance company. They also can access HealthCare.gov, to see if they may qualify for subsidies to help pay premiums.

    Businesses with small or large group coverage through Zoom Health Plan should call their health insurance agent for help picking new health insurance for 2018.

    With the closure of the health plan, will my claims be paid?

    Zoom Health Plan will continue to pay all claims incurred through Dec. 31, 2017. The Division of Financial Regulation of Oregon (DFR) issued a supervision order that allows it to oversee Zoom Health Plan’s business as it winds down and ensure all claims are paid.

    Oregon law holds consumers harmless if an insurance company does not pay for covered services within the state. If Zoom Health Plan were to pay claims, Oregon providers cannot seek payment from patients.

    Will this change my monthly premium with Zoom Health Plan?

    No. Premiums will not change through the 2017 plan year. Your premium may change when you purchase coverage from another company for 2018 coverage.

    With the closure of the health plan, should I keep paying my premium?

    Yes. You must pay your premium through the end of 2017 to keep your current health insurance.

    I need to add my spouse/dependant to my plan. Can I still do that?

    Yes, as a current ZOOM+Care member, you can. If you have a new dependant or your spouse has lost their coverage, you can add them onto your plan until 11/15/17. Your plan will still end December 31st, 2017.

    With the closure of the health plan, can I still see my regular doctor and have prescriptions filled at the same pharmacy?

    Yes. Zoom Health Plan’s provider network is not changing. Once you shop for new coverage for 2018, check provider directories for the other companies to ensure your favorite ZOOM+ providers and clinics are members of those networks.

    Can my doctor refuse to see me because of the closing of the health plan?

    No. Contracts between Zoom Health Plan and providers will remain in force during the wind-down period.

    Who can I contact for more information about the closure of the health plan?

    Contact Zoom Health Plan customer service at 503-684-8252 or the Oregon Division of Financial Regulation advocates at 888-877-4894 (toll-free).

    I’m not yet a ZOOM+Care Member, can I use my Special Enrollment Period (SEP) to enroll in ZOOM+Care Health Insurance?

    No, we can no longer accept any new ZOOM+Care Health Insurance members.

    I'm having trouble making an insurance payment. Help!

    Call our Help Team at (503) 684-8252.

    What should I do if I lost my ZOOM+Care Health Insurance member card?

    Here's how to find out what's covered by your plan:

    1. Go to zoomcare.com or the iOS App.
    2. Select "Account" from the the main navigation
    3. Select "Log into Insurance Portal" and login or register with your membership card
    4. Select "Plan Details" under the "Coverage"

    Section to view your "Summary of Coverage" If you have a specific question about your plan's coverage, email our Help Team

    I'm a ZOOM+Care member. How can I fix my claim that was processed incorrectly?

    Email our Help Team. We'll investigate and get back to you within 24 hours.

    What should I do if my insurance premium is incorrect?

    Email our Help Team. We'll investigate and get back to you within 24 hours.

    How do I update my address for my ZOOM+Care Health Insurance?

    Here's how to update your address on file:

    Go to zoomcare.com or the iOS App.

    1. Select "More" from the main navigation
    2. Select "Log into Insurance Portal" and login or register with your membership card
    3. Select "Change" in the "Contact" section
    4. Select "Edit" select "mailing address" when prompted with the question "What would you like to change?"
    5. Select who you are changing the address for and enter your updated address and press "Next."
    6. Review your address, select the checkbox and press "Update" to save.

    How do I get a copy of my EOB?

    Need a copy of your EOB? Reach out to your insurer. ZOOM+Care Health Insurance Members can email our Help Team for an additional EOB copy.

    If you need a copy of a bill ZOOM+Care sent to you after your visit, email our Help Team.

    How do I cancel my health insurance plan?

    If you need to change or cancel your plan, email our Help Team.

    How do I file a complaint about ZOOM+Care Health Insurance?

    Email our Help Team. We'll investigate, file your complaint and get you a resolution.

    I'm a ZOOM+Care member. Where can I get care when I'm traveling out of the area?

    Start with ChatCare. If you need an in-person urgent or emergent care, you will be covered at medical facilities accepting First Choice Health Insurance.

    If you are experiencing an emergency medical condition- life or limb threatening, an ER visit will be covered. You can review your exact coverage under your plan details in your insurance portal. Log in.