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Around the PIA Western Alliance States

Posted By Staff Reporter, Tuesday, September 11, 2018


Medicare Workshop: A free Medicare Workshop for individuals turning 65 and those approaching Medicare eligibility will be held Wednesday, September 19, from 5:00 p.m. to 6:30 p.m. at the Hailey Public Library, located at 7 West Croy St., Hailey, Idaho.  Caregivers and all those interested in learning how Medicare works are encouraged to attend.

The workshop will be led by Senior Health Insurance Benefits Advisors (SHIBA), a unit of the Idaho Department of Insurance.  SHIBA presenters will introduce the various parts of Medicare, and explain some of the vocabulary associated with the program.  Topics to be covered include:

  Timeframes for enrolling in Medicare

  Enrollment periods for Medigap, Medicare Advantage and Prescription Drug Plans

  How the different parts of Medicare work together – and when they don’t

To register for the workshop, please contact the SHIBA office at 1-800-247-4422.


From the Department of Insurance: The Oregon Division of Financial Regulation recently announced the following Proposed Rulemaking hearing:

Amendment to Standard Bronze and Silver Plans for 2019

Rules affected: OAR 836-053-0013

To clarify that coverage provided under the standard plans must meet the requirements of HB 3391.

This rule makes permanent amendments to OAR 836-053-0013 and its exhibits. The changes contained in the rules were previously adopted via a temporary rule. These amendments are needed to ensure that the standard bronze and silver plan designs adopted by the department under ORS 743B.130 comply with the requirements of House Bill 3391 (2017).

Filed: August 31, 2018

Public hearing: September 25, 2018 1:30 p.m.

Last day for public comment: October 2, 2018, 5 p.m.

The agency requests public comment on whether other options should be considered for achieving the rule's substantive goals while reducing the negative economic impact of the rule on business.

For more information on this proposed rule, please visit the Division's website:



Bulletin 2018-07: Regulation of Association Health Plans in Oregon:

The Oregon Division of Financial Regulation (the division) has received numerous inquiries about its guidance concerning associations and Multiple Employer Welfare Arrangements (MEWAs). This bulletin summarizes and clarifies guidance for issuers, associations, MEWAs, insurance agents, and producers in light of the recent United States Department of Labor (DOL) final regulation titled "Definition of Employer Under Section 3(5) of ERISA-Association Health Plans" (AHP rule).

Attached is the full bulletin as released by the Department of Consumer and Business Services (DCBS).

More information will be made available on the Division of Financial Regulation website https://dfr.oregon.gov

bulletin2018-07 — https://content.govdelivery.com/attachments/ORDCBS/2018/09/10/file_attachments/1069511/bulletin2018-07.pdf


The Oregon Division of Financial Regulation recently adopted the following rule:

ID 30-2018 & ID 32-2018: Adoption of requirements for sale of Medicare Supplement plans on or after January 1, 2020

ID 30-2018

Rules affected: OAR 836-052-0114, 836-052-0119, 836-052-0141, 836-052-0143, 836-052-0144

Clarifying applicability of exhibits to OAR 836-052-0160.

Filed: August 28, 2018

Effective: September 1, 2018

ID 32-2018

Rules affected: OAR 836-052-0114

Refiled to correct error in Exhibit 1.

Filed: August 30, 2018

Effective: September 1, 2018


ID 30-2018 Permanent Administrative Order — https://dfr.oregon.gov/laws-rules/Documents/id30-2018_rule-order.pdf

ID 32-2018 Permanent Administrative Order — https://dfr.oregon.gov/laws-rules/Documents/id32-2018_rule-order.pdf

For more information, please visit the Division's website:




Kreidler Issues Fines: Insurance Commissioner Mike Kreidler issued fines in July totaling $115,050 against insurance companies, agents and brokers who violated state insurance regulations.

Agents and brokers

T-Mobile USA Inc., Bellevue; fined $20,000 order 18-0085

T-Mobile, a cell phone carrier, is also a licensed insurance producer in Washington state. The company offered to pay off phone loans and early termination fees for Verizon customers who switched to T-Mobile and purchased its insurance between May 31 and Aug. 2, 2017. The offer is illegal in Washington state because it induces people to purchase insurance. During the promotion, 927 Washington consumers purchased the plan, which cost $15 per month.

Linna A. Callaham, Bainbridge Island, Wash.; license revoked, order 18-0288

Callaham collected insurance premiums from a commercial client but failed to send them to the insurance company, causing two policies to be canceled and a commercial building to be uninsured for eight months. She never refunded the unpaid premium of more than $5,000 to the client.

APPS Insurance Services Inc., Puyallup, Wash., and James M. Shirreff, Fircrest, Wash.; fined $3,000, order 18-0303

The insurance commissioner conducted four financial examinations that found APPS delayed sending premium refunds totaling nearly $1,500 to three commercial clients. Shirreff is an insurance producer and is responsible for APPS, an insurance agency.

Geoffrey Wayne Leininger, Plano, Texas; license revoked, order 18-0319

A consumer filed a complaint with the insurance commissioner after Leininger placed a homeowner’s policy without the consumer’s consent. The insurer, Liberty Mutual Insurance, refunded the $649 premium payment to the consumer and canceled the unwanted policy.

GSIS, Inc., and Glenn Stebbings, Redondo Beach, Calif.; fined $2,500, order 18-0243

Kenneth E. Kukral, Beachwood, Ohio; fined $3,500, order 18-0246

GSIS and Stebbings were not licensed to sell surplus lines insurance policies in Washington state. To avoid becoming properly licensed, they used Kukral as a “courtesy filer” at least 49 times to obtain surplus lines policies, a violation of state insurance laws.

The insurance commissioner disciplined the following insurance producers for failing to notify the agency of administrative actions against them:

  Daniel Lee, New Orleans; fined $250, order 18-0192

  Horace Thomas Gaines, Nashville; fined $250, order 18-0193

  Walter A. Ringfield, Phoenix; fined $500 and revocation rescinded, order 18-0197

  One Resource Group Corp. and Todd Jeffrey Stewart, Roanoke, Ind.; fined $500, order 18-0281

  Alex Belfort, Sinking Spring, Penn.; license revoked, order 18-0302

  Benjamin Stutts IV, Sandy, Utah; license revoked, order 18-0322

Insurance companies

The insurance commissioner fined the following companies for filing their rates late or using the wrong rates:

  Kaiser Foundation Health Plan of Washington Options, Inc., Seattle; fined $3,500, order 18-0222

  Kaiser Foundation Health Plan of Washington, Seattle; fined $3,500, order 18-0228

  Regence BlueShield, Seattle; fined $2,500, order 18-0224

  Crestbrook Insurance Co., Columbus, Ohio; fined $50,000, order 18-0251

The insurance commissioner fined the following companies for violating other state insurance laws:

  GEICO, Chevy Chase, Md.; fined $2,500, order 18-0126

  First National Insurance Co. of America, Keene, N.H.; fined $20,000, order 18-0275

  Pennsylvania Manufacturers Indemnity Co., Blue Bell, Penn.; fined $1,500, order 18-0332


The insurance commissioner fined the following organizations for violating state insurance laws:

  Pioneer Title Co. of Walla Walla, Inc., Walla Walla, Wash.; fined $250, order 18-0258

  Oregon Association of Health Underwriters, Portland, Ore.; fined $800, order 18-0304

Source link: The Washington Department of Insurance


Clarification: Clarifying adjuster licensing requirements (R 2017-04) rule withdrawn

We have withdrawn the notice to start rulemaking (CR-101) on the clarifying adjuster licensing requirements rule R2017-04. We withdrew the notice to start rulemaking because as we progressed through the process for this proposed rule, the broad language in RCW 48.17.010(1) that defines "Adjuster" will not allow us to narrowly identify the role of adjusting in insurance claims.

For more information, including the withdrawal letter, please visit the rule's webpage — https://www.insurance.wa.gov/clarifying-adjuster-licensing-requirements-r-2017-04?utm_content=&utm_medium=email&utm_name=&utm_source=govdelivery&utm_term=

Tags:  Around the PIA Western Alliance States  Idaho  Insurance  Oregon  Washington 

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