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Medicare fraud prevention outreach campaign
https://www.insurance.wa.gov/medicare-fraud-prevention-outreach-campaign
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Medicare Fraud Prevention Month in June focuses on the actions everyone can take to prevent Medicare fraud, errors, and abuse. Below are some tools you can…, Article, If you're on Medicare, you can help stop fraud! article (Word, 57.96 KB) If you're on Medicare, you can help stop fraud! article (PDF, 199.19 KB), Publications, SMP health care tracker (order online via the Fulfillment website) Watch out for scam calls! Tips to help you recover from scam calls... (PDF, 163.50 KB)…, Outreach material, Medicare fraud prevention week flier (PDF, 845.00 KB), Social media, Picture of Medicar fraud awareness month social media graphic Medicare fraud prevention month social media graphic (image/jpeg, 531.16 KB), Accompanying text with Medicare Fraud Prevention Month social media graphic:, Medicare fraud prevention month kicks off today!, Medicare beneficiaries, Medicare Fraud Prevention Month starts today 6/1! Kick-off the month by learning how to read your Medicare Summary Notice (MSN) or…, Accompanying text with Report Medicare fraud to SHIBA social media graphic:, The best way to stop fraud from happening is to stop it in the first place. Learning how to prevent Medicare fraud, errors, and abuse and then sharing what…, Accompanying text with You can help prevent Medicare fraud social media graphic:, During Medicare Fraud Prevention Month, you can learn how to prevent, detect and report Medicare fraud by visiting https://www.insurance.wa.gov/how-…, SEE ALSO, Order SHIBA publications Senior Medicare Patrol website, NEED MORE HELP?, Contact SHIBA staff (for volunteers and volunteer coordinators)
What is homeowner insurance?
https://www.insurance.wa.gov/what-homeowner-insurance
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For Consumers Homeowner insurance property protection typically protects your home and personal belongings from damage caused by specific risks (often…, Dwelling coverage, This typically covers repairing or replacing your damaged or destroyed home, including attachments, such as garages or decks., Coverage for other structures, This is coverage to repair or replace other permanent, separate, unattached structures on your property. Common examples include a detached garage,…, Personal property coverage, This includes coverage for your furnishings and personal items, such as your TV, stereo, clothing, dishes, etc. The policy covers your property for its…, Loss of use or additional living expenses coverage, This pays for living expenses over and above your normal living expenses if your house is damaged or destroyed and you need another place to stay while it'…, Additional coverages you can get with your homeowner insurance, Your policy generally includes additional limited coverage for debris removal and damage to trees, plants and shrubs. It also could include credit card…, Farm or ranch policy, Coverage for a farm or ranch is similar to a homeowner policy, but it includes coverage for livestock and: It does provide actual-cash-value coverage,…, Mobile homeowner insurance, This policy is written for mobile homes and covers the home and its contents. It also includes theft and liability protection., Home insurance liability protection, This is will help cover medical payments for guests, as well as general and personal liability., Medical payments, This pays the medical expenses of others if they're accidentally injured on your property. Most policies include at least $1,000 of coverage, but you can…, Liability, This pays expenses for bodily injury and property damage that happens to others when you're legally liable. For example, if you knew you had a loose deck…, Personal liability, This extends coverage beyond your property limits. If an incident occurs involving family members who live with you (as defined in your policy) at other…, What's not covered under homeowner insurance, Don't be surprised: There are several major risks that standard homeowner policies do not always cover . These include earthquakes, floods, landslides or…, See also, What's covered and not covered under homeowner insurance?, Need more help?, Call us at 800-562-6900, 8 a.m. to 5 p.m., Monday - Friday Live chat with us Contact us to ask an insurance question
How condo insurance works
https://www.insurance.wa.gov/how-condo-insurance-works
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For Consumers Condo or townhome insurance offers coverage similar to homeowner insurance. It's for people who own an individual unit within a larger condo…, Understand the coverage noted in your HOA governing documents, The coverage for the structure of the individual condo unit is based on the HOA's governing documents. Coverage under the HOA policy typically falls into…, All-in, The HOA covers the exterior and all interior finishes, such as doors, windows, siding, shower/tub, vanity/cabinets, paint, baseboards/trim, light fixtures…, All-in excluding improvements or betterments, The HOA covers the unit to its original interior and exterior finishes and does not cover any changes or upgrades from the owner. Examples of owner changes…, Bare walls or walls out, The HOA covers damages up to the uncovered sheetrock and subfloor - anything that could occur outside your owned unit. This includes the roof, maybe the…, What a standard condo policy (HO-6) includes, Condo insurance is normally a special package that combines different coverages to protect a condo unit's owner from losses. If you're shopping for condo…, What condo insurance doesn't cover, It doesn't cover: Community property within the HOA. Flood or earth movement. Wear and tear, or maintenance items. Many policies are written based on a…, SEE ALSO, Insurance tips for homeowners Choosing an insurance agent or broker, NEED MORE HELP?, Call us at 800-562-6900, 8 a.m. to 5 p.m., Monday - Friday Chat with us Contact us to ask an insurance question
Consumer premium increase transparency protections start June 2024
https://www.insurance.wa.gov/consumer-premium-increase-transparency-protections-start-june-2024
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For Consumers, Hundreds of consumers call us when their premium goes up, Today, if your auto or homeowners insurance premium increases, it's very difficult-if not impossible to understand why. Hundreds of people call our office…, We want insurers to tell you why your premium is increasing, We have adopted a rule that requires insurance companies to be more transparent with their policyholders when they get a premium increase. Some insurers…, SEE ALSO, Proposed rules 2023 legislative priorties, NEED MORE HELP?, Contact Policy and Legislative Affairs
Current contracting opportunities
https://www.insurance.wa.gov/current-contracting-opportunities
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About OIC Connect with us Online services and tools Laws & Rules Washington state's Electronic Business Solution (WEBS) is the official notification…, Notice:, If you download documents from this website, you are responsible for checking this page to ensure you receive any amendments or bidder questions/agency…, Requests for proposals (RFP), S2404 Community Health Medical Malpractice Insurance Study S2405 Essential worker health benefits S2405 Essential worker health benefits, Requests for qualifications and quotations (RFQQ), No requests for qualifications and quotations are open at this time., Requests for information (RFI), No requests for information are open at this time., Work requests, No work request procurements are open at this time., See also, WEBS registration page Become an Office of Minority and Women's Business Enterprises (OMWBE)-certified vendor, Need more help?, Contact us about contracting opportunities Call us at 360-725-9604
Captive insurers - 2023 premium tax filing instructions
https://www.insurance.wa.gov/captive-insurers-2023-premium-tax-filing-instructions
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For Insurers & Regulated Entities, New for 2023, There are no changes from the 2022 captive insurer tax forms., Filing requirements, All eligible captive insurers that are registered in the State of Washington are required to file an annual online tax form, as provided by this office,…, Due date, The completed online form and payment must be received by the Office of Insurance Commissioner (OIC) on or before March 1 following the end of the calendar…, Caution:, Do not mail a paper version of the form or any attachments to our office., Completing your premium tax form, Tax is generally due on all premiums, unless specifically exempted on the tax form. A registered eligible captive insurer is not liable for premium tax on…, not, check for errors., Remember:, Save your work before moving away from the form; your work is not automatically saved., Premium Reporting section, Captive Premiums should be entered in this section, broken out by line of business., Exemptions and Deductions, Identify any exemptions or deductions applicable for your entity., Renewal Fee, The renewal fee paid in March applies to registration July - June beginning in the current, calendar, year. Renewal fees paid on the tax form due March 1, 2024 apply to registration July 2024 - June 2025. If your company is no longer active in Washington…, Summary, All fields in this section are populated from other areas of the tax form., Declaration and final submission, Review the declaration and, if necessary, update the contact information. The contact information listed here is the insurance commissioner's only point of…, Reporting and paying taxes on prior period premiums, Eligible captive insurers that are currently covering Washington risk are required to register with the OIC . Once you are registered as a captive insurer…, See Also, Log into Filing and Payment Center Payment options, Need more help?, Contact our premium tax and surcharge experts Call us at 360-725-7031
Network access
https://www.insurance.wa.gov/network-access
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For Insurers & Regulated Entities Find network access filing requirements, forms and instructions., Instructions and frequently asked questions, Network Access Reports submission instructions (PDF, 518.00 KB) Urban Counties (updated 03-30-2022) (Excel, 15.48 KB) Frequently Asked Questions (updated 3…, Templates, Access Plan cover sheet (PDF, 106.08 KB) Alternative Access Delivery Request (AADR) - Request Form (PDF, 15.83 KB) Form C - AADR (Alternative Access…, Provider network form A, Note, : The Provider Network Form A's National Plan and Provider Enumeration System (NPPES) data was loaded on 04/16/2024 using the NPPES file from 04/08/2024.…, 988 crisis hotline appointment form D, You must file the 988 Crisis Hotline Appointment D report if you're a disability insurer, health care service contractor (HCSC) or health maintenance…, Amended alternate access delivery request form E, An issuer that meets the criteria in RCW 48.49.135(2)(b) may submit an amended alternate access delivery request (AADR) for review and approval. The issuer…, Analyst checklists, Network Access Reports (updated 3-30-23) (Word, 75.01 KB), GFIs and STMs, DRAFT - Provider and Facility Agreements (Word, 76.44 KB) DRAFT - Single Case Provider and Facility Agreements (Word, 70.48 KB) DRAFT - SERFF Carrier…, Login, Network Access Portal, See also, Title 48 RCW - Insurance Title 284 WAC - Office of the Insurance Commissioner, Need more help?, Call us at 360-725-7111 Mailing and street address
Employment-related health insurance
https://www.insurance.wa.gov/employment-related-health-insurance
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For Consumers There are different types of health plans offered by employers, and it's important to understand how they impact your health insurance rights., Different types of employer health plans, There are two main types of health plans provided by employers: insured employer health plans and self-fund health plans. Insured employer plans are…, Your appeal rights, If your employer self-funds the plan and contracts with an insurance company to provide administration services only, under the Federal Employee Retirement…, Pre-existing conditions and insured employer plans, Your employer's group health insurance plan cannot deny you or your dependent's enrollment in the plan based on medical history or health issues. You…, Health insurance after leaving your job, Generally, health insurance ends either on your last day of work or the end of the month in which you last worked. Review your benefits information to find…, See also, Your health insurance rights Small business health insurance options, Need more help?, Call us at 800-562-6900, 8 a.m. to 5 p.m., Monday - Friday Live chat with us Contact us to ask an insurance question
Your rights to see a medical provider (Every Category law)
https://www.insurance.wa.gov/your-rights-see-medical-provider-every-category-law
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For Consumers Some health plans in Washington state, by law, must include access to every type (also called "every category") of licensed medical provider., What the "Every Category" law means for you, Health plans must maintain adequate networks with every type of licensed medical provider. You have more choice in who will treat your condition. The law…, Health plans not covered by this law, Self-funded employer plans or union trusts Medicare Supplement plans Long-term care insurance Limited health plans - such as dental, vision, specific…, See also, Patient Bill of Rights Women's health insurance rights, Need more help?, Call us at 800-562-6900, 8 a.m. to 5 p.m., Monday - Friday Live chat with us Contact us to ask an insurance question
Leaks, water intrusion and mold
https://www.insurance.wa.gov/leaks-water-intrusion-and-mold
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For Consumers Water damage is one of the most common causes of home insurance claims. It's important to make sure you have the right coverage before you…, Types of leaks and water damage, The cause and timing of water damage will have a significant impact on the odds of your claim being approved. There are generally two different categories…, Sudden and accidental leaks, An accidental leak such as leaking plumbing or a broken washing machine will typically be covered by your policy as long as you report it to your insurance…, Gradual leaks and water intrusion, Most homeowner policies will not cover gradual leaks such as water leaking from a faucet, or water damage from a leaking foundation, cracks in walls, or…, Mold coverage, Most standard homeowner policies don't cover damage caused by mold, fungi, rust or rot. Insurers generally consider mold and rot a home maintenance issue,…, See also, Learn how homeowner insurance works, Need more help?, Call us at 800-562-6900, 8 a.m. to 5 p.m., Monday - Friday Live chat with us Contact us to ask an insurance question