Individual health plan enrollment
Applying for individual medical and dental coverage with ODS couldn't be easier. Simply review the eligibility guidelines below, help your clients choose a plan based on their unique needs and complete the application. You can apply online or download a form — it's your choice.
Learn more about our individual medical plans
Learn more about our individual dental plans with medical
Learn more about our individual dental plans
Medical enrollment
Eligibility
Eligible members must be an Oregon resident and live in Oregon at least six months out of the year. If a member moves outside of Oregon while on this plan, they will automatically be terminated from the plan the first of the month following the move.
Underwriting
Applicants must be approved by ODS Underwriting using the Oregon Standardized Health questionnaire. Effective dates are assigned by Underwriting and are generally the first day of the month following Underwriting approval. Producers and applicants are required to submit a clean and complete application a minimum of 10 days prior to the requested effective date. Applications received after the cut-off date will be processed for the subsequent month’s effective date.
ODS Individual Underwriting outcomes include:
- Accept: Applicant is issued standard on requested plan
- Decline: Applicant is denied coverage
- Waiver: One or more conditions identified by ODS are excluded from coverage for a period of 24 months, or one or more family members are excluded from coverage
- Downgraded: The individual is limited to the number of benefit plans in which he or she can elect to enroll because of one or more pre-existing conditions
Billing
Members have the option to pay monthly by electronic checking account deduction, monthly via billing statement or quarterly via billing statement. The premium must be collected and sent with the application.
For more information, contact Individual plan sales at 503-243-3973 or 877-277-7073.
Dental with medical enrollment
Eligibility
Eligible members must reside in the state of Oregon and be enrolled in an individual medical plan. Members must choose the dental plan upon original enrollment in one of the individual medical plans (see “Underwriting” for additional dental plan eligibility rules).
Underwriting
Applicants must be approved by ODS Underwriting. Effective dates are assigned by Underwriting and are generally the first day of the month following Underwriting approval.
Dental plan members must choose the dental plan upon originally enrolling. Members will not be able to select the dental plan at a later date. If a member drops the dental plan rider, it cannot be reinstated. If a member drops an individual medical plan, he or she cannot retain the dental plan rider, however they can apply for an individual dental plan.
Billing
Members have the option to pay monthly by electronic checking account deduction, monthly by direct pay or quarterly via billing statement. The premium must be collected and sent with the application.
For more information, contact Individual plan sales at 503-243-3973 or 877-277-7073.
Individual dental
Members can apply for individual dental coverage without enrolling in a medical plan. See individual dental plans for more information.
Eligibility
Eligible members must be an Oregon resident and live in Oregon at least six months out of the year. If a member moves outside of Oregon while on this plan, they will automatically be terminated from the plan the first of the month following the move.
Billing
Members have the option to pay monthly by electronic checking account deduction, monthly via billing statement or quarterly via billing statement. The premium must be collected and sent with the application.
For more information, contact Individual plan sales at 503-243-3973 or 877-277-7073.
Log in to Benefit Tracker
Check benefits and eligibility
Log in to Benefit Tracker
Check benefits and eligibility
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