ORS § 746.635 — OR Code / Title 56 / Chapter 746 / Section 746.635
746.635 Investigative consumer reports
Status: in_force

(1) No insurer, insurance producer or insurance-support organization may prepare or request an investigative consumer report about an individual in connection with an insurance transaction involving an application for insurance, a policy renewal, a policy reinstatement or a change in insurance benefits unless the insurer or insurance producer informs the individual:

(a) That the individual may request to be interviewed in connection with the preparation of the investigative consumer report; and

(b) That upon a request pursuant to ORS 746.640 (Access to recorded personal information) , the individual is entitled to receive a copy of the investigative consumer report.

(2) If an investigative consumer report is to be prepared by an insurer or insurance producer, the insurer or insurance producer shall institute reasonable procedures to conduct a personal interview requested by the individual.

(3) If an investigative consumer report is to be prepared by an insurance-support organization, the insurer or insurance producer desiring the report shall inform the insurance-support organization whether a personal interview has been requested by the individual. The insurance-support organization shall institute reasonable procedures to conduct such requested interviews. [1981 c.649 §9; 2003 c.364 §158]

Source: Section 746.635 — Investigative consumer reports , https://www.­oregonlegislature.­gov/bills_laws/ors/ors746.­html (accessed May 26, 2025).
ORS § 741.800 — OR Code / Title 56 / Chapter 741 / Section 741.800
741.800 Insurer to notify health care provider of qualified health plan coverage
Status: in_force

Upon receipt of any inquiry from a health care provider regarding the eligibility, coverage or benefits of an insured under an enrollee’s plan, an insurer shall notify the health care provider, in the manner prescribed by the insurer, that the coverage is provided through a qualified health plan. [2015 c.580 §3]

Source: Section 741.800 — Insurer to notify health care provider of qualified health plan coverage , https://www.­oregonlegislature.­gov/bills_laws/ors/ors741.­html (accessed May 26, 2025).
ORS § 735.420 — OR Code / Title 56 / Chapter 735 / Section 735.420
735.420 Declaration of ineligibility of surplus lines insurer
Status: in_force

(1) The Director of the Department of Consumer and Business Services may declare a surplus lines insurer described in ORS 735.415 (Qualifications for placement of coverage with nonadmitted insurer) (1) ineligible if the director has reason to believe that the surplus lines insurer:

(a) Is in unsound financial condition;

(b) Is no longer eligible under ORS 735.415 (Qualifications for placement of coverage with nonadmitted insurer) ;

(c) Has willfully violated the laws of this state; or

(d) Does not make reasonably prompt payment of just losses and claims in this state or elsewhere.

(2) The director shall promptly mail notice of all such declarations to each surplus lines licensee. [1987 c.774 §121; 2001 c.191 §44d]

Source: Section 735.420 — Declaration of ineligibility of surplus lines insurer , https://www.­oregonlegislature.­gov/bills_laws/ors/ors735.­html (accessed May 26, 2025).
ORS § 735.530 — OR Code / Title 56 / Chapter 735 / Section 735.530
735.530 Definitions for ORS 735.530 to 735.552
Status: in_force

As used in ORS 735.530 (Definitions for ORS 735.530 to 735.552) to 735.552 (Pharmacy claims audits) :

(1) “Claim” means a request from a pharmacy or pharmacist to be reimbursed for the cost of filling or refilling a prescription for a drug or for providing a medical supply or service.

(2) “Enrollee” means an individual who has enrolled for coverage in a health benefit plan for which a pharmacy benefit manager has contracted with the insurer to reimburse claims submitted by pharmacies or pharmacists for the costs of drugs prescribed for the individual.

(3) “Health benefit plan” has the meaning given that term in ORS 743B.005 (Definitions) .

(4) “Insurer” has the meaning given that term in ORS 731.106 (“Insurer.”) .

(5) “Long term care pharmacy” means a pharmacy for which the primary business is to serve a:

(a) Licensed long term care facility, as defined in ORS 442.015 (Definitions) ;

(b) Licensed residential facility, as defined in ORS 443.400 (Definitions for ORS 443.400 to 443.455) ; or

(c) Licensed adult foster home, as defined in ORS 443.705 (Definitions for ORS 443.705 to 443.825) .

(6) “Mail order pharmacy” means a pharmacy for which the primary business is to receive prescriptions by mail, telephone or electronic transmission and dispense drugs to patients through the use of the United States Postal Service, a package delivery service or home delivery.

(7) “Network pharmacy” means a pharmacy that contracts with a pharmacy benefit manager.

(8) “Pharmacist” has the meaning given that term in ORS 689.005 (Definitions) .

(9) “Pharmacy” includes:

(a) A pharmacy as defined in ORS 689.005 (Definitions) ;

(b) A long term care pharmacy; and

(c) An entity that provides or oversees administrative services for two or more pharmacies.

(10) “Pharmacy benefit” means the payment for or reimbursement of an enrollee’s cost for prescription drugs.

(11) Intentionally left blank —Ed.

(a) “Pharmacy benefit manager” means a person that contracts with pharmacies on behalf of an insurer offering a health benefit plan, a third party administrator or the Oregon Prescription Drug Program established in ORS 414.312 (Oregon Prescription Drug Program) to:

(A) Process claims for prescription drugs or medical supplies or provide retail network management for pharmacies or pharmacists;

(B) Pay pharmacies or pharmacists for prescription drugs or medical supplies; or

(C) Negotiate rebates with manufacturers for drugs paid for or procured as described in this paragraph.

(b) “Pharmacy benefit manager” does not include a health care service contractor as defined in ORS 750.005 (Definitions) .

(12) “Specialty drug” means a drug that:

(a) Is subject to restricted distribution by the United States Food and Drug Administration; or

(b) Requires special handling, provider coordination or patient education that cannot be provided by a retail pharmacy.

(13) “Specialty pharmacy” means a pharmacy capable of meeting the requirements applicable to specialty drugs.

(14) “Third party administrator” means a person licensed under ORS 744.702 (Third party administrator license) .

(15) “340B pharmacy” means a pharmacy that is authorized to purchase drugs at a discount under 42 U.S.C. 256b. [2013 c.570 §2; 2017 c.73 §5; 2019 c.526 §3]

Note: 735.530 (Definitions for ORS 735.530 to 735.552) to 735.552 (Pharmacy claims audits) were added to and made a part of the Insurance Code by legislative action but were not added to ORS chapter 735 or any series therein. See Preface to Oregon Revised Statutes for further explanation.

Source: Section 735.530 — Definitions for ORS 735.530 to 735.552 , https://www.­oregonlegislature.­gov/bills_laws/ors/ors735.­html (accessed May 26, 2025).
ORS § 731.570 — OR Code / Title 56 / Chapter 731 / Section 731.570
731.570 Withdrawing advancements made to reciprocal insurer
Status: in_force

No advancement made by the subscribers or the attorney of a reciprocal insurer shall be withdrawn or refunded except out of the surplus of the insurer in excess of its required capitalization, and then only upon the written consent of the Director of the Department of Consumer and Business Services. [1967 c.359 §110]

Source: Section 731.570 — Withdrawing advancements made to reciprocal insurer , https://www.­oregonlegislature.­gov/bills_laws/ors/ors731.­html (accessed May 26, 2025).
ORS § 744.078 — OR Code / Title 56 / Chapter 744 / Section 744.078
744.078 Appointment of insurance producers
Status: in_force

(1) An insurance producer shall not act as an agent of an insurer unless:

(a) The insurance producer is an appointed agent of that insurer; or

(b) The insurance producer transacts insurance on behalf of another insurance producer who is an appointed agent of that insurer according to conditions and limitations established by the Director of the Department of Consumer and Business Services by rule.

(2) Each insurer shall maintain a current list of insurance producers contractually authorized to accept applications on behalf of the insurer. Each insurer shall make the list available to the director upon request.

(3) An insurance producer may represent as agent under one insurance producer license as many insurers as may appoint the insurance producer in accordance with this section.

(4) Except as provided in a group contract of insurance under subsection (5) of this section, any person who solicits or procures an application for insurance as an agent of the insurer shall in all matters relating to the application for insurance and the policy issued in consequence of the application be regarded as the agent of the insurer issuing the policy and not the agent of the insured. Any provision in the application and policy to the contrary is invalid and of no effect.

(5) A group contract of insurance and the individual certificate issued pursuant to the group contract may contain provisions stating whether the group policyholder acts as the agent of the individual insured or as the agent of the insurer. [2001 c.191 §16; 2003 c.364 §18]

Source: Section 744.078 — Appointment of insurance producers; rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors744.­html (accessed May 26, 2025).
ORS § 731.364 — OR Code / Title 56 / Chapter 731 / Section 731.364
731.364 Domestic insurer transferring domicile to another state
Status: in_force

A domestic insurer, upon the approval of the Director of the Department of Consumer and Business Services, may transfer its domicile to any other state in which it is admitted to transact the business of insurance. Upon such a transfer the insurer ceases to be a domestic insurer and may be authorized in this state if qualified as a foreign insurer. The director shall approve such a proposed transfer unless the director determines that the transfer is not in the interest of the policyholders of this state. [1995 c.639 §10]

Source: Section 731.364 — Domestic insurer transferring domicile to another state , https://www.­oregonlegislature.­gov/bills_laws/ors/ors731.­html (accessed May 26, 2025).
ORS § 746.150 — OR Code / Title 56 / Chapter 746 / Section 746.150
746.150 Other insurance
Status: in_force

(1) For property, inland marine, casualty or surety insurance, an insurer may combine for dividend purposes the experience of a group of persons or risks any of which are within this state, except for workers’ compensation insurance done in compliance with ORS 746.145 (Workers’ compensation insurance) and subject to rules adopted by the Director of the Department of Consumer and Business Services.

(2) The director shall make reasonable rules regarding such dividend groupings as an aid to the effectuation and enforcement of the Insurance Code. Such rules shall have as their purpose the prevention of misrepresentation, unfair discrimination and other unfair trade practices, and may among other things require that:

(a) Such a grouping comprises substantially homogeneous risks.

(b) The organization under the auspices of which such a grouping is made has been in existence for at least two years and was formed for purposes other than that of obtaining insurance.

(c) A substantial improvement in loss prevention or claims handling will be a likely result of such a grouping.

(d) Information regarding eligibility for participation in the grouping and the system for allocation of dividends among the participants be filed with the director.

(3) An insurer shall not unfairly discriminate in the allocation of dividends among the participants in such a dividend grouping.

(4) The system for allocation of dividends among the participants may provide for allocation at a fixed percentage of premiums, or may provide for variations in the percentage of premiums paid as dividends, or may provide for other variations in determining the amounts of dividends allocated to participants. The variations may be based on loss or expense factors or on other reasonable considerations, such as risk size, risk location or industry or trade hazard classification, that have a probable effect on losses or expenses.

(5) Failure to apply in a consistent manner the dividend allocation system specified in an insurer’s dividend declaration shall be prima facie evidence of unfair discrimination. [1977 c.405 §4; 1983 c.706 §4; 1999 c.59 §230]

Source: Section 746.150 — Other insurance; combination of experience of group of persons or risks; purpose; rules; conditions , https://www.­oregonlegislature.­gov/bills_laws/ors/ors746.­html (accessed May 26, 2025).
ORS § 744.730 — OR Code / Title 56 / Chapter 744 / Section 744.730
744.730 Disposition of charges and premiums
Status: in_force

(1) A third party administrator shall hold in a fiduciary capacity all insurance charges or premiums collected by the third party administrator on behalf of or for an insurer, and all return premiums received from the insurer. The third party administrator shall immediately remit all charges, premiums or return premiums to the person entitled to them or shall deposit them promptly in a fiduciary account established and maintained by the third party administrator in a federally or state insured financial institution. The fiduciary account may be used only for deposits authorized under this subsection.

(2) If the charges or premiums deposited in a fiduciary account have been collected on behalf of or for one or more insurers, a third party administrator shall keep records clearly recording the deposits in and withdrawals from the account on behalf of each insurer. The third party administrator shall keep copies of all such records and, upon request of an insurer, shall furnish the insurer with copies of the records pertaining to such deposits and withdrawals.

(3) A third party administrator shall not pay any claim by withdrawals from a fiduciary account in which premiums or charges are deposited.

(4) All claims by a third party administrator from funds collected on behalf of the insurer shall be paid only on drafts of and as authorized by the insurer.

(5) A third party administrator that is an insurance producer licensed under this chapter need not comply with this section if the third party administrator is in compliance with ORS 744.083 (Trust account for premium funds) or 744.084 (Certificate of deposit in lieu of trust account) with respect to the premiums, charges and return premiums referred to in this section. [1991 c.812 §17; 2003 c.364 §131]

Source: Section 744.730 — Disposition of charges and premiums , https://www.­oregonlegislature.­gov/bills_laws/ors/ors744.­html (accessed May 26, 2025).
ORS § 733.314 — OR Code / Title 56 / Chapter 733 / Section 733.314
733.314 Amount of required reserves for certain annuity and pure endowment contracts
Status: in_force

(1) This section applies to all annuity and pure endowment contracts other than group annuity and pure endowment contracts purchased under a retirement plan or plan of deferred compensation, established or maintained by an employer, including a partnership or sole proprietorship, or by an employee organization, or by both, other than a plan providing individual retirement accounts or individual retirement annuities under Section 408 of the Internal Revenue Code, as now or hereafter amended.

(2) Reserves according to the commissioners annuity reserve method for benefits under annuity or pure endowment contracts, excluding any disability and accidental death benefits in such contracts, shall be the greatest of the respective excesses of the present values, at the date of valuation, of the future guaranteed benefits, including guaranteed nonforfeiture benefits, provided for by such contracts at the end of each respective contract year, over the present value, at the date of valuation, of any future valuation considerations derived from future gross considerations, required by the terms of such contract, that become payable prior to the end of such respective contract year. The future guaranteed benefits shall be determined by using the mortality table, if any, and the interest rate, or rates, specified in such contracts for determining guaranteed benefits. The valuation considerations are the portions of the respective gross considerations applied under the terms of such contracts to determine nonforfeiture values. [1991 c.401 §24]

Source: Section 733.314 — Amount of required reserves for certain annuity and pure endowment contracts , https://www.­oregonlegislature.­gov/bills_laws/ors/ors733.­html (accessed May 26, 2025).
ORS § 731.072 — OR Code / Title 56 / Chapter 731 / Section 731.072
731.072 “Certificate of authority,” “license.”
Status: in_force

(1) A “certificate of authority” is one issued by the Director of the Department of Consumer and Business Services pursuant to the Insurance Code evidencing the authority of an insurer to transact insurance in this state.

(2) A “license” is authority granted by the director pursuant to the Insurance Code for the licensee to engage in a business or operation of insurance in this state other than as an insurer, and the certificate by which such authority is evidenced. [1967 c.359 §15]

Source: Section 731.072 — “Certificate of authority,” “license.” , https://www.­oregonlegislature.­gov/bills_laws/ors/ors731.­html (accessed May 26, 2025).
ORS § 744.538 — OR Code / Title 56 / Chapter 744 / Section 744.538
744.538 Change of circumstance of nonresident adjuster
Status: in_force

(1) A nonresident adjuster may not engage in business as an adjuster in this state if the adjuster no longer holds a valid license as an adjuster in the state, province or designated home state in which the adjuster was licensed. If the adjuster’s license in the state, province or designated home state in which the adjuster was licensed is reinstated and has not expired, the adjuster may apply to the Director of the Department of Consumer and Business Services for reinstatement as a licensee.

(2) A nonresident adjuster who establishes residence in this state may not transact business as an adjuster in this state under a nonresident license after the 90th day after the adjuster establishes the residence. An adjuster who is a resident may thereafter engage in business as an adjuster in this state only after becoming a resident licensee.

(3) A nonresident adjuster who changes residence to another state or to a province shall notify the director not later than 30 days after the change. [1989 c.701 §49; 1995 c.639 §6; 2019 c.151 §29]

Source: Section 744.538 — Change of circumstance of nonresident adjuster , https://www.­oregonlegislature.­gov/bills_laws/ors/ors744.­html (accessed May 26, 2025).
ORS § 732.450 — OR Code / Title 56 / Chapter 732 / Section 732.450
732.450 Arbitrage transactions exempt
Status: in_force

The provisions of ORS 732.430 (Filing statement of security ownership with director) , 732.435 (Suit to recover insider profits) and 732.440 (Prohibited sales of securities) do not apply to foreign or domestic arbitrage transactions unless made in contravention of such rules as the Director of the Department of Consumer and Business Services may adopt in order to carry out the purposes of ORS 732.420 (“Equity security” defined) to 732.455 (Rules) . [Formerly 738.770]

Source: Section 732.450 — Arbitrage transactions exempt; rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors732.­html (accessed May 26, 2025).
ORS § 746.289 — OR Code / Title 56 / Chapter 746 / Section 746.289
746.289 Insurer offer of crash part warranty
Status: in_force

Any insurer which offers a motor vehicle insurance policy that provides coverage for repair of the vehicle shall make available to its insured a crash part warranty for crash parts not made by the original equipment manufacturer as described in ORS 746.292 (Motor vehicle repair shops) when the insured requests one. [1987 c.622 §4]

Note: 746.289 (Insurer offer of crash part warranty) was enacted into law by the Legislative Assembly but was not added to or made a part of ORS chapter 746 or 746.275 (Definitions for ORS 746.275 to 746.300) to 746.300 (Liability of insurers and motor vehicle repair shops for damages) or any other series by legislative action. See Preface to Oregon Revised Statutes for further explanation.

Source: Section 746.289 — Insurer offer of crash part warranty , https://www.­oregonlegislature.­gov/bills_laws/ors/ors746.­html (accessed May 26, 2025).
ORS § 744.650 — OR Code / Title 56 / Chapter 744 / Section 744.650
744.650 Disclosure by insurance consultants
Status: in_force

(1) An insurance consultant shall furnish to each client and prospective client a written disclosure statement containing the following information:

(a) A description of the nature of the work to be performed by the insurance consultant.

(b) The applicable occupational and educational background of the insurance consultant.

(c) The area or areas of insurance in which the insurance consultant has particular expertise.

(d) The fee schedule and any other expenses that the insurance consultant charges, and whether fees may be negotiated.

(e) The name of any person, other than clients, that the insurance consultant represents.

(f) Whether the insurance consultant will receive any commission or obtain any other compensation for services provided the client in addition to fees and other expenses paid by the client.

(g) Any other information required by the Director of the Department of Consumer and Business Services by rule.

(2) An insurance consultant shall disclose information required under this subsection to each client in the course of providing insurance consultant services to the client and before the insurance consultant makes any final insurance recommendation to the client. The insurance consultant shall disclose at least the following information as applicable to the line of insurance for which the insurance consultant is providing services:

(a) Other business activities of the insurance consultant relating to financial planning.

(b) The method of investment analysis and comparison used.

(c) Assumptions contributing to insurance recommendations for the client.

(d) Any other information required by the director by rule.

(3) The director may establish additional disclosure requirements for licensees who are licensed both as insurance producers and insurance consultants.

(4) The director may design the form of disclosure statement to be used under subsection (1) of this section. [1985 c.697 §11; 1991 c.810 §20; 2003 c.364 §126]

Source: Section 744.650 — Disclosure by insurance consultants; rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors744.­html (accessed May 26, 2025).
ORS § 734.750 — OR Code / Title 56 / Chapter 734 / Section 734.750
734.750 Short title
Status: in_force

ORS 734.750 (Short title) to 734.890 (Association not to be used in sales or solicitation) may be cited as the Oregon Life and Health Insurance Guaranty Association Act. [1975 c.251 §2]

Source: Section 734.750 — Short title , https://www.­oregonlegislature.­gov/bills_laws/ors/ors734.­html (accessed May 26, 2025).
ORS § 735.190 — OR Code / Title 56 / Chapter 735 / Section 735.190
735.190 Incorporation of captive reinsurer
Status: in_force

(1) A captive reinsurer must be incorporated as a stock insurer with its capital divided into shares and held by the captive reinsurer’s shareholders. In incorporating, a captive reinsurer must comply with the requirements of ORS 735.164 (Incorporation of pure captive insurer and association captive insurer) .

(2) The capital stock of a captive reinsurer must be issued at par value or greater.

(3) At least one member of the board of directors of a captive reinsurer incorporated in this state must be a resident of this state. [2012 c.84 §22]

Note: See note under 735.150 (Definitions for ORS 735.150 to 735.190) .

MARKET ASSISTANCE PLANS; JOINT UNDERWRITING ASSOCIATIONS

Source: Section 735.190 — Incorporation of captive reinsurer , https://www.­oregonlegislature.­gov/bills_laws/ors/ors735.­html (accessed May 26, 2025).
ORS § 748.103 — OR Code / Title 56 / Chapter 748 / Section 748.103
748.103 Definitions
Status: in_force

As used in this chapter:

(1) “Benefit contract” means the agreement for provision of benefits authorized by ORS 748.201 (Benefits) , as that agreement is described in ORS 748.211 (Benefit contract) (1).

(2) “Benefit member” means an adult member who is designated by the laws or rules of the society to be a benefit member under a benefit contract.

(3) “Certificate” means the document issued as written evidence of the benefit contract.

(4) “Impaired” means either:

(a) For a society that does not write variable contracts, whenever its assets are less than its total liabilities; or

(b) For a society that does write variable contracts, whenever its assets are less than its total liabilities, plus the required surplus for a mutual life insurer to write such contracts.

(5) “Laws” means the society’s articles of incorporation, constitution and bylaws, however designated.

(6) “Lodge” means subordinate member units of the society, known as camps, courts, councils, branches or by any other designation.

(7) “Premiums” means premiums, rates, dues or other required contributions by whatever name known, which are payable under the certificate.

(8) “Rules” means all rules, regulations or resolutions adopted by the supreme governing body or board of directors which are intended to have general application to the members of the society.

(9) “Society” means fraternal benefit society, unless otherwise indicated. [1987 c.490 §2]

Source: Section 748.103 — Definitions , https://www.­oregonlegislature.­gov/bills_laws/ors/ors748.­html (accessed May 26, 2025).
ORS § 746.023 — OR Code / Title 56 / Chapter 746 / Section 746.023
746.023 Discrimination against living donors or body part donors with respect to life insurance, health insurance or long term care insurance
Status: in_force

An insurer offering a policy or certificate of life insurance, health insurance or long term care insurance, as defined in ORS 743.652 (Definitions for ORS 743.650 to 743.665) , may not, based solely on the status of an applicant for insurance or an insured as a living donor or a potential donor of a body part, organ or tissue:

(1) Discriminate in the application of its underwriting standards or rates;

(2) Decline to provide coverage or limit coverage; or

(3) Prohibit an applicant for insurance or an insured from donating a body part, organ or tissue as a condition of receiving or continuing to receive coverage. [2019 c.265 §3]

Note: 746.023 (Discrimination against living donors or body part donors with respect to life insurance, health insurance or long term care insurance) was added to and made a part of the Insurance Code by legislative action but was not added to ORS chapter 746 or any series therein. See Preface to Oregon Revised Statutes for further explanation.

Source: Section 746.023 — Discrimination against living donors or body part donors with respect to life insurance, health insurance or long term care insurance , https://www.­oregonlegislature.­gov/bills_laws/ors/ors746.­html (accessed May 26, 2025).
ORS § 750.585 — OR Code / Title 56 / Chapter 750 / Section 750.585
750.585 Written provider agreement with providing attorney
Status: in_force

An organization shall not operate or offer a plan in this state unless the organization first enters into a written provider agreement with the providing attorney or attorneys. The following provisions apply to such an agreement:

(1) A provider agreement shall not contain any provision that allows the providing attorney to seek payment from a member, other than any copayments and deductibles scheduled in the agreement, in the event of nonpayment by the organization for any services that have been performed under the plan by the providing attorney; and

(2) A provider agreement shall contain a guarantee that the providing attorney will furnish plan services to plan members whether or not the providing attorney has been or will be paid under the plan. Provider agreements shall require providing attorneys to give plan members the full benefit of plan membership until the member leaves the plan or until the anniversary date of the date the plan member joined the plan, whichever comes first. [1989 c.331 §10]

Source: Section 750.585 — Written provider agreement with providing attorney , https://www.­oregonlegislature.­gov/bills_laws/ors/ors750.­html (accessed May 26, 2025).
ORS § 750.005 — OR Code / Title 56 / Chapter 750 / Section 750.005
750.005 Definitions
Status: in_force

As used in ORS 750.005 (Definitions) to 750.095 (Requirements of contract between provider and subscriber) :

(1) “Claims” means any amount incurred by the insurer covering contracted benefits.

(2) “Complementary health services” means the following health care services:

(a) Chiropractic as defined in ORS 684.010 (Definitions) ;

(b) Naturopathic medicine as defined in ORS 685.010 (Definitions) ;

(c) Massage therapy as defined in ORS 687.011 (Definitions) ; or

(d) Acupuncture as defined in ORS 677.757 (Definitions for ORS 677.757 to 677.770) .

(3) “Doctor” means any person lawfully licensed or authorized by statute to render any health care services.

(4) “Health care service contractor” means:

(a) Any corporation that is sponsored by or otherwise intimately connected with a group of doctors licensed by this state, or by a group of hospitals licensed by this state, or both, under contracts with groups of doctors or hospitals that include conditions holding the subscriber harmless in the event of nonpayment by the health care service contract as provided in ORS 750.095 (Requirements of contract between provider and subscriber) , and that accepts prepayment for health care services; or

(b) Any person referred to in ORS 750.035 (Regulation of hospital care associations under prior law) .

(5) “Health care services” means the furnishing of medicine, medical or surgical treatment, nursing, hospital service, dental service, optometrical service, complementary health services or any or all of the enumerated services or any other necessary services of like character, whether or not contingent upon sickness or personal injury, as well as the furnishing to any person of any and all other services and goods for the purpose of preventing, alleviating, curing or healing human illness, physical disability or injury.

(6) “Health maintenance organization” means any health care service contractor operated on a for-profit or not for-profit basis which:

(a) Qualifies under Title XIII of the Public Health Service Act; or

(b) Intentionally left blank —Ed.

(A) Provides or otherwise makes available to enrolled participants health care services, including at least the following basic health care services:

(i) Usual physician services;

(ii) Hospitalization;

(iii) Laboratory;

(iv) X-ray;

(v) Emergency and preventive services; and

(vi) Out-of-area coverage;

(B) Is compensated, except for copayments, for the provision of basic health care services listed in subparagraph (A) of this paragraph to enrolled participants on a predetermined periodic rate basis;

(C) Provides physicians’ services primarily directly through physicians who are either employees or partners of such organization, or through arrangements with individual physicians or one or more groups of physicians organized on a group practice or individual practice basis; and

(D) Employs the terms “health maintenance organization” or “HMO” in its name, contracts, literature or advertising media on or before July 13, 1985. [Formerly 742.010; 1973 c.515 §5; 1979 c.799 §1; 1985 c.747 §65; 1989 c.783 §4; 1991 c.958 §3; 2003 c.33 §1]

Source: Section 750.005 — Definitions , https://www.­oregonlegislature.­gov/bills_laws/ors/ors750.­html (accessed May 26, 2025).
ORS § 742.230 — OR Code / Title 56 / Chapter 742 / Section 742.230
742.230 Requirements in case loss occurs
Status: in_force

A fire insurance policy shall contain a provision as follows: “The insured shall give immediate written notice to this company of any loss, protect the property from further damage, forthwith separate the damaged and undamaged personal property, put it in the best possible order, furnish a complete inventory of the destroyed, damaged and undamaged property, showing in detail quantities, costs, actual cash value and amount of loss claimed; and within 90 days after receipt of proof of loss forms from the company, unless such time is extended in writing by this company, the insured shall render to this company a proof of loss, signed and sworn to by the insured, stating the knowledge and belief of the insured as to the following: The time and origin of the loss, the interest of the insured and of all others in the property, the actual cash value of each item thereof and the amount of loss thereto, all encumbrances thereon, all other contracts of insurance, whether valid or not, covering any of said property, any changes in the title, use, occupation, location, possession or exposures of said property since the issuing of this policy, by whom and for what purpose any building herein described and the several parts thereof were occupied at the time of loss and whether or not it then stood on leased ground, and shall furnish a copy of all the descriptions and schedules in all policies and, if required, verified plans and specifications of any building, fixtures or machinery destroyed or damaged. The insured, as often as may be reasonably required, shall exhibit to any person designated by this company all that remains of any property herein described, and submit to examinations under oath by any person named by this company, and subscribe the same; and, as often as may be reasonably required, shall produce for examination all books of account, bills, invoices, and other vouchers, or certified copies thereof if originals be lost, at such reasonable time and place as may be designated by this company or its representative, and shall permit extracts and copies thereof to be made.” [Formerly 743.645]

Source: Section 742.230 — Requirements in case loss occurs , https://www.­oregonlegislature.­gov/bills_laws/ors/ors742.­html (accessed May 26, 2025).
ORS § 735.548 — OR Code / Title 56 / Chapter 735 / Section 735.548
735.548 Pharmacy claims audits
Status: in_force

For purposes of ORS 735.540 (Definitions for ORS 735.540 to 735.552) to 735.552 (Pharmacy claims audits) , an entity, or an independent third party that contracts with an entity to conduct audits, must allow as evidence of validation of a claim:

(1) An electronic or physical copy of a prescription that complies with ORS chapter 689 if the prescribed drug was, within 14 days of the dispensing date:

(a) Picked up by the patient or the patient’s designee;

(b) Delivered by the pharmacy to the patient; or

(c) Sent by the pharmacy to the patient using the United States Postal Service or other common carrier;

(2) Point of sale electronic register data showing purchase of the prescribed drug, medical supply or service by the patient or the patient’s designee; or

(3) Electronic records, including electronic beneficiary signature logs, electronically scanned and stored patient records maintained at or accessible to the audited pharmacy’s central operations and any other reasonably clear and accurate electronic documentation that corresponds to a claim. [2013 c.570 §8]

Note: See note under 735.530 (Definitions for ORS 735.530 to 735.552) .

Source: Section 735.548 — Pharmacy claims audits; validation of claims , https://www.­oregonlegislature.­gov/bills_laws/ors/ors735.­html (accessed May 26, 2025).
ORS § 746.655 — OR Code / Title 56 / Chapter 746 / Section 746.655
746.655 Information concerning previous adverse underwriting decisions
Status: in_force

No insurer, insurance producer or insurance-support organization may seek information in connection with an insurance transaction concerning any previous adverse underwriting decision experienced by an individual, or any previous insurance coverage obtained by an individual through a residual market mechanism, unless the inquiry also requests the reasons for any previous adverse underwriting decision or the reasons why insurance coverage was previously obtained through a residual market mechanism. [1981 c.649 §13; 2003 c.364 §162]

Source: Section 746.655 — Information concerning previous adverse underwriting decisions , https://www.­oregonlegislature.­gov/bills_laws/ors/ors746.­html (accessed May 26, 2025).
ORS § 731.446 — OR Code / Title 56 / Chapter 731 / Section 731.446
731.446 Policyholder deposits
Status: in_force

An insurer may accept, from a holder of a life insurance policy, deposits in addition to current premium payments to provide a fund for payment of future premiums or to make possible the future acquisition of additional insurance, annuities or other benefits, whether the interest to be paid on such deposits be fixed or variable. Such deposits, or any portion thereof, not used for the purposes described in this section shall be refunded to the policyholder or, upon the death of the policyholder, to designated beneficiaries. [1967 c.359 §96]

Source: Section 731.446 — Policyholder deposits , https://www.­oregonlegislature.­gov/bills_laws/ors/ors731.­html (accessed May 26, 2025).
ORS § 743b.323 — OR Code / Title 56 / Chapter 743b / Section 743b.323
743B.323 Separate notice to policyholder required before cancellation of individual or group health insurance policy for nonpayment of premium
Status: in_force

(1) Before a health insurer selling an individual policy or group health benefit plan may cancel a policy for nonpayment of premium, the insurer must mail a separate notice to the policyholder informing the policyholder that the premium was not received and that the policy will be terminated as of the premium due date if the premium is not received by the end of the applicable grace period required by ORS 743.417 (Grace period for subsequent premium payments) and 743B.320 (Minimum grace period) .

(2) The notice described in subsection (1) of this section shall be in writing and mailed by first class mail to the last-known address of the policyholder at least:

(a) Ten days prior to the end of the grace period specified in ORS 743.417 (Grace period for subsequent premium payments) (1)(a) and 743B.320 (Minimum grace period) ; or

(b) Fifteen days prior to the end of the grace period specified in ORS 743.417 (Grace period for subsequent premium payments) (1)(b).

(3) The Department of Consumer and Business Services may prescribe by rule the information that must be contained in the notice required by subsection (1) of this section. [Formerly 743.565; 2021 c.205 §11]

Source: Section 743B.323 — Separate notice to policyholder required before cancellation of individual or group health insurance policy for nonpayment of premium; rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743B.­html (accessed May 26, 2025).
ORS § 732.005 — OR Code / Title 56 / Chapter 732 / Section 732.005
732.005 Application of private corporation law
Status: in_force

(1) Except where inconsistent with the express provisions of the Insurance Code, ORS chapter 60, shall, to the extent applicable, govern the powers, duties and relationships of domestic insurers.

(2) The following sections in ORS chapter 60 do not apply to insurers: ORS 60.004 (Filing requirements) , 60.007 (Filing, service, copying and certification fees) to 60.014 (Correcting filed document) , 60.016 (Forms) , 60.017 (Filing duty of Secretary of State) to 60.024 (Evidentiary effect of copy of filed document) , 60.031 (Powers) , 60.044 (Incorporators) , 60.051 (Incorporation) to 60.057 (Organization of corporation) , 60.094 (Corporate name) to 60.101 (Registered name) , 60.311 (Election of directors by certain classes of shareholders) , 60.470 (Definitions for ORS 60.470 to 60.501) to 60.534 (Sale of assets other than in regular course of business) , 60.701 (Authority to transact business required) to 60.717 (Corporate name of foreign corporation) , 60.734 (Withdrawal of foreign corporation) to 60.744 (Appeal from revocation) , 60.787 (Annual report) , 60.954 (Reservation of power to amend or repeal) , 60.957 (Application to existing domestic corporation) to 60.967 (Corporations incorporated under special acts) and 60.992 (Penalty for signing false document) .

(3) ORS 60.224 (Shareholders’ list for meeting) , 60.774 (Inspection of records by shareholders) (2)(c) and 60.777 (Scope of inspection right) (4) do not apply to insurers without capital stock.

(4) The enumeration in subsections (2) and (3) of this section of inapplicable sections in ORS chapter 60 is not exclusive or a limitation upon subsection (1) of this section.

(5) To the extent applicable and not inconsistent with subsections (1) to (4) of this section, ORS chapter 60 shall apply to insurers without capital stock as well as to insurers with capital stock. Where applicable to insurers without capital stock, references in ORS chapter 60 to “shareholders” shall be deemed references to “policyholders” or “subscribers” as the case may be.

(6) In applying ORS chapter 60 as provided in this section, unless the context requires otherwise:

(a) “Office of Secretary of State” or “office” means the Department of Consumer and Business Services.

(b) “Secretary of State” means the Director of the Department of Consumer and Business Services.

(c) “Corporation” and “domestic corporation” mean a domestic insurer. [1967 c.359 §146; 1985 c.728 §108; 1987 c.846 §1; 2001 c.352 §7; 2003 c.14 §446]

Source: Section 732.005 — Application of private corporation law; definitions , https://www.­oregonlegislature.­gov/bills_laws/ors/ors732.­html (accessed May 26, 2025).
ORS § 748.605 — OR Code / Title 56 / Chapter 748 / Section 748.605
748.605 Insurance against risk of loss under less than fully insured employee health benefit plan
Status: in_force

Insurance issued or delivered by a fraternal benefit society against the risk of economic loss assumed under a less than fully insured employee health benefit plan is subject to ORS 742.065 (Insurance against risk of loss assumed under less than fully insured employee health benefit plan) . Such insurance is subject to ORS 748.603 (Relationship to other insurance laws) but is otherwise not subject to the provisions of ORS chapter 748. [1993 c.649 §4]

Source: Section 748.605 — Insurance against risk of loss under less than fully insured employee health benefit plan , https://www.­oregonlegislature.­gov/bills_laws/ors/ors748.­html (accessed May 26, 2025).
ORS § 746.305 — OR Code / Title 56 / Chapter 746 / Section 746.305
746.305 Rules
Status: in_force

The Director of the Department of Consumer and Business Services may adopt rules to carry out the provisions of ORS 746.275 (Definitions for ORS 746.275 to 746.300) to 746.300 (Liability of insurers and motor vehicle repair shops for damages) and 746.991 (Penalties) . [1987 c.622 §5]

Note: 746.305 (Rules) was enacted into law by the Legislative Assembly but was not added to or made a part of ORS chapter 746 or any series therein by legislative action. See Preface to Oregon Revised Statutes for further explanation.

Source: Section 746.305 — Rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors746.­html (accessed May 26, 2025).
ORS § 743.165 — OR Code / Title 56 / Chapter 743 / Section 743.165
743.165 Grace period
Status: in_force

A life insurance policy shall contain a provision that a grace period of 30 days, or, at the option of the insurer, of one month of not less than 30 days, or of four weeks in the case of industrial life insurance policies the premiums for which are payable more frequently than monthly, shall be allowed within which the payment of any premium after the first may be made, during which period of grace the policy shall continue in full force. The insurer may impose an interest charge not in excess of six percent per annum for the number of days of grace elapsing before the payment of the premium. If a claim arises under the policy during such period of grace the amount of any premium due or overdue, together with interest and any deferred installment of the annual premium, may be deducted from the policy proceeds. [1967 c.359 §377]

Source: Section 743.165 — Grace period , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743.­html (accessed May 26, 2025).
ORS § 743.356 — OR Code / Title 56 / Chapter 743 / Section 743.356
743.356 Continuing coverage upon replacement of group life policy
Status: in_force

When coverage under a group life insurance policy is replaced by coverage under another group life insurance policy, the insurer offering the policy that is replaced shall continue to provide coverage for each certificate holder under the replaced policy whose premium payments are suspended because the certificate holder is disabled. [1989 c.784 §9]

Note: 743.356 (Continuing coverage upon replacement of group life policy) was enacted into law by the Legislative Assembly but was not added to or made a part of ORS chapter 743 or any series therein by legislative action. See Preface to Oregon Revised Statutes for further explanation.

Source: Section 743.356 — Continuing coverage upon replacement of group life policy , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743.­html (accessed May 26, 2025).
ORS § 735.230 — OR Code / Title 56 / Chapter 735 / Section 735.230
735.230 Rates
Status: in_force

The board of directors of the joint underwriting association shall engage the services of an independent actuarial firm to develop and recommend actuarially sound rates, rating plans, rating rules and classifications. The Director of the Department of Consumer and Business Services shall approve rates filed by the joint underwriting association in accordance with ORS 737.310 (Method of rate making) . All rates approved for the joint underwriting association shall be actuarially sound and calculated to be self-supporting. [1987 c.774 §79]

Source: Section 735.230 — Rates; approval , https://www.­oregonlegislature.­gov/bills_laws/ors/ors735.­html (accessed May 26, 2025).
ORS § 743a.032 — OR Code / Title 56 / Chapter 743a / Section 743a.032
743A.032 Surgical services provided by dentist
Status: in_force

Notwithstanding any provision of a policy of health insurance, whenever the policy provides for payment of a surgical service, the performance for the insured of such surgical service by any dentist acting within the scope of the dentist’s license is compensable if performance of that service by a physician acting within the scope of the physician’s license would be compensable. [Formerly 743.719]

Source: Section 743A.032 — Surgical services provided by dentist , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743A.­html (accessed May 26, 2025).