Cascade Mountains
CITIES: Brightwood, Camp
Sherman,
Cascade Locks, Cascadia, Chemult,
Chiloquin, Crescent, Crescent Lake, Detroit, Diamond Lake, Drew,
Estacada, Fort Klamath, Gates, Gilchrist, Government Camp, Idanha,
Klamath Agency, La Pine, Lakeview, McKenzie Bridge, Mill City, North
Umpqua, Oakridge, Prospect, Rhododendron, Sandy,
Sisters,
Sunriver, Warm Springs,
Welches, Westfir, Zigzag
AREAS: Crater Lake National Park, Deshutes National Forest,
Fremont National Forest, Mount Hood National Forest, Rogue River
National Forest, The Three Sisters, Umpqua National Forest, Willamette
National Forest, Winema National Forest
Central Oregon
CITIES: Antelope,
Arlington,
Bend, Brothers, Condon, Culver, Dufur,
Fossil, Grass Valley, Hampton, Lonerock,
Madras, Maupin, Metolius, Mitchell, Moro,
Mosier, Paulina, Post, Prineville,
Redmond, Rowena,
Rufus, Shaniko, Spray,
The Dalles, Wasco
Northeast Oregon
CITIES: Adams, Arlington,
Athena,
Baker City, Boardman, Canyon City, Condon,
Cove, Dayville, Echo, Elgin,
Enterprise, Fossil, Greenhorn, Haines, Halfway,
Heppner, Hermiston, Huntington, Imbler, Imnaha, Irrigon, Island City, John Day,
Joseph,
La Grande, Lexington, Long Creek, Lostine,
Medical Springs, Milton-Freewater, Monument, Mt Vernon, North Powder, Oxbow,
Pendleton, Pilot Rock, Prairie City,
Richland, Seneca, Summerville, Sumpter, Ukiah, Umatilla, Union, Unity,
Wallowa, Weston
AREAS:
Hell's Canyon
Oregon Coast
North Coast
Astoria, Bay City, Beaver,
Cannon Beach,
Garibaldi,
Gearhart, Hebo,
Nehalem,
Manzanita, Neahkahnie, Oceanside,
Pacific City,
Rockaway Beach,
Seaside,
Tillamook,
Warrenton,
Wheeler
Central Coast
Depoe Bay,
Dunes City,
Florence,
Gleneden Beach,
Lincoln City, Mapleton,
Newport, Otter Rock, Reedsport, Seal Rock,
Siletz,
Toledo,
Waldport,
Winchester Bay,
Yachats
South Coast
Agness,
Bandon,
Brookings,
Charleston,
Coos Bay, Coquille,
Gold Beach,
Lakeside,
Myrtle Point,
North Bend,
Port Orford, Powers, Wedderburn
Portland and Vicinity
Banks, Barlow,
Beaverton, Camas, Canby,
Clackamas, Clatskanie, Columbia City,
Cornelius,
Forest Grove, Gaston,
Gresham, Happy Valley,
Hillsboro,
Lake Oswego, Marquam,
Milwaukie, Molalla, North Plains,
Oregon City,
Portland, Rainier, Sandy, Scappoose, St.
Helens,
Tigard, Troutdale,
Tualatin, Vernonia, West Linn,
Wilsonville
Southeast Oregon
Adel, Adrian, Burns, Diamond, Drewsey,
Frenchglen, Hines, Jordan Valley, Juntura, Lakeview, Nyssa,
Ontario, Plush, Vale
Southern Oregon
CITIES:
Ashland, Butte Falls, Cave Junction,
Canyonville, Central Point, Dillard, Drain, Eagle Point, Elkton, Glendale,
Glide, Gold Hill,
Grants Pass, Jacksonville, Klamath Falls, Malin,
Medford,
Merlin, Myrtle Creek, Oakland, Phoenix,
Prospect, Riddle, Rouge River, Roseburg, Shady Cove, Sutherlin, Talent,
Umpqua, White City, Winchester, Winston, Wolf Creek, Yoncalla
AREAS: Applegate Valley, Illinois Valley
Willamette Valley
Albany, Alsea, Amity, Aumsville,
Aurora, Brooks,
Brownsville, Canby, Canyonville, Carlton,
Corvallis, Coburg, Cottage Grove, Creswell,
Culp Creek, Dallas, Dayton, Detroit, Donald,
Dundee,
Eugene, Falls City, Gates, Gervais, Halsey,
Harrisburg, Independence, Jefferson, Junction City, Keizer, Lebanon, Lowell,
Lyons,
McMinnville, Mill City, Millersburg, Mt.Angel,
Molalla, Monmouth, Newberg, Oakridge, Oregon City, Philomath,
Salem, Scio, Scott Mills, Sheridan,
Silverton, Sodaville, Springfield, Stayton, St. Paul, Sublimity, Sweet Home,
Tangerit, Turner, Veneta, Walterville, Waterloo, Willamina, Woodburn, Yamhill
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FHIAP
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FHIAP
Contact FHIAP -
1-888-564-9669
"Approved for FHIAP, Call Health Benefits Solution, Inc for approved
health Plans and applications"
Contact Health Benefits Solution,
Inc 1-877-786-8347
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FHIAP's reservation (waiting) list
FHIAP is accepting names of people who want an application when
an opening occurs. The names are put on a reservation list.
Applications are mailed in the order people put their names on
the list.
We currently estimate the wait for an application at 1 1/2 to
two years. However, we encourage you to put your name on the
list now so that you will get an application more quickly when
funds are available.
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| What is
FHIAP? |
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FHIAP is a state program that helps
uninsured Oregonians buy health insurance. FHIAP is not an
insurance company. Instead, the agency gives subsidies (grants
of money) to help pay the monthly cost of your health
insurance premium.
This helps individuals and families pay for insurance at work
or buy individual health plans if insurance is not available
through an employer.
FHIAP members pay part of the premium. They also pay other
costs of private health insurance such as co-payments and
deductibles.
Once approved for FHIAP, members are eligible to remain in the
program for 12 months. Three to four months before the
member's eligibility ends, FHIAP sends a new application and
members may re-apply.
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| Example of the subsidy |
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The amount of money FHIAP pays for the
health insurance premium depends on your family size and
income. FHIAP pays from 50 percent to 95 percent of the
premium. Here's an example of how the program works.
In this case, a parent with children faces a monthly premium
cost of $500 without help from FHIAP but only $25 a month with
FHIAP.
Monthly premium cost
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$500
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FHIAP subsidy level
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x .95%
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Amount FHIAP pays
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$475
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Individual pays
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$25
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Bottom line: FHIAP members, on average, pay
$25 or less a month for the insurance premium.
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| Who is eligible? |
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You or someone in your family
must:
- Be uninsured for the previous six months, unless you are
leaving the Oregon Health Plan (OHP)/Medicaid program.
- Meet
income guidelines
- Live in Oregon
- Be a U.S. citizen or qualified non-citizen
- Have investments and savings less than $10,000
(including rental property)
- Not be eligible for or receiving Medicare
Also, if you enrolled in your employer's plan less than 120
days ago, you may still be able to apply to FHIAP. Call
1-888-564-9669 (Toll-free in Oregon) for details.
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| How do I apply? |
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Be sure and call us BEFORE you sign
up for health insurance. We can only provide money to you if
you have been without insurance for the past six months or are
leaving Oregon Health Plan.
When you receive the application, you may have questions. Call
us: 1-888-564-9669 (Toll-free in Oregon). We have
someone to answer your questions from 9 a.m. to 5 p.m. Monday
through Friday. Also, we can put you in touch with a local
health insurance agent (producer) who can help you with the
application.
Mail your completed application to FHIAP. FHIAP will let you
know within 30 days whether you qualify for a subsidy or we
need more information. If you qualify for a subsidy, your
FHIAP approval letter will tell you the amount of your subsidy
and explain how to sign up for health insurance.
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| Now I have my FHIAP subsidy, how
do I apply for health insurance? |
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Once you are approved for a FHIAP
subsidy, this is how the program works.
Group Insurance (for those who get insurance
at work):
- You and/or family members sign up for health insurance
at work. (Your employer will take money out of your check
for health insurance).
- You mail or fax FHIAP a copy of your pay stub every time
that you get paid. Within four business days, FHIAP sends
you a check for its share of the premium.
Individual Insurance (if your family doesn't
get insurance through an employer):
- Select a health plan from the list we send with your
approval letter. Call 1-877-786-8347
- Contact the insurance company for an application. Fill
out the insurance company application. Send the "Certificate
of Eligibility" with your insurance application. (We send
the certificate with your approval letter).
- The certificate tells the insurance company not to bill
you. Instead, FHIAP will send you a bill for your share of
the monthly premium.
FHIAP "roadmap" to individual insurance (.pdf)
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| Other program information |
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- Producer referral program: If you need
the assistance of a health insurance producer to help you
sort out the many insurance options available to you, please
feel free to call our toll-free in Oregon number at (800)
542-3104, ext. 85244. This service is available at no cost
to you. Our trained producers can show you options for both
the self-employed business owner (individual plans) or Small
Employer Health Insurance (SEHI) plans that can fit the
needs of your business.
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Insurance companies: These are the insurance companies
offering individual coverage to FHIAP members.
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Publications and forms: Publications and forms for
applicants and members in FHIAP.
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| Frequently asked questions |
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Why do I have to be
uninsured for six months to qualify for the FHIAP program?
About 17 percent of Oregonians are uninsured. FHIAP is
attempting to reach those who have the most desperate need for
insurance.
What months pay stubs do I need to send to
FHIAP as proof of income?
For proof of income, send three full
months worth of pay stubs. For example, if you sign
your application in March, send proof of income
received for December, January and February. We do
not need March information. Self-employed persons, farmers,
fishermen and ranchers have different income rules. Call
1-888-564-9669 (Toll-free in Oregon).
What counts as investments and savings?
Investments that FHIAP counts toward the $10,000 asset limit
include checking accounts, savings accounts, cash,
certificates of deposits, stocks, bonds, money market accounts
and property that you do not live in. FHIAP does not
count retirement accounts such as IRAs, vehicles or the house
you live in. We do count any other real
property that your family owns. Real property includes
residential, commercial, rural and timber property.
When is my application due?
When applying to FHIAP for the first time, you have 60
calendar days to return the completed application to
FHIAP. The 60 days start when FHIAP mails the application; the
due date is on a letter that comes with the application.
Subsidy eligibility is good for a year. When you re-apply to
see if you qualify for the program another year, you have
30 calendar days to complete and return the
application. The due date will be on your application letter.
I have diabetes or other health issues and I
can't get insurance - can you help me?
Your FHIAP subsidy can be used to help pay the premium for the
Oregon Medical
Insurance Pool (OMIP). This program is for people who have
been turned down for health insurance due to "pre-existing
medical conditions." However, OMIP benefit plans have a
six-month wait before coverage begins on pre-existing
conditions, including pregnancy.
What happens if I am on an employer-sponsored
(group) plan and I lose my job?
Contact FHIAP immediately. Your FHIAP subsidy may be able to
help you continue health coverage. You must notify FHIAP of
this change within 10 calendar days. See your Member Guide
for a complete list of changes that must be reported within 10
calendar days.
If my income changes, do I need to report
that?
Once you are enrolled in FHIAP, you do not
need to report income changes during the year. However, once a
year, each member must re-apply to FHIAP to continue in the
program. At this time, changes in income will be looked at to
determine your continued eligibility and subsidy level.
How do I let you know if my employer changes
insurance companies or if my rate changes?
Contact FHIAP Member Account Services toll-free at
1-888-564-9669 (Toll-free in Oregon). We will send
you a new "Enrollment Verification" form to have your employer
complete.
Who do I contact if I have questions about my
health insurance policy?
Your insurance company or the producer who sold the policy.
The phone number for your insurance company is on your
insurance card. Remember: FHIAP is not an insurance company;
FHIAP is a subsidy program.
When I become eligible for Medicare, can I
continue to receive a FHIAP subsidy?
No. If you are in FHIAP and become Medicare eligible, you can
keep FHIAP until your original approval date expires. At that
time, you will not be eligible for FHIAP.
Once approved for FHIAP, call Health Benefits
Soluction, Inc to select an approved health plan, and to
complete an application for health insurance coverage.
1-877-786-8347
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