Frequently Asked Questions
Anti-Fraud | Auto Insurance | Bail Bonds | Consumer Assistance | Financial | Flood Insurance | General Questions | Health Insurance | Homeowners Insurance | Legal | Licensing and Education | Life and Health | Life Insurance | Real Estate Appraiser Board | Senior Health Information Counseling Program | Title | Tulsa Office | Workers’ Compensation
Anti-Fraud
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The OID Anti Fraud Unit investigates insurance fraud and would like to hear from you. You can file a "Report Fraud" form by visiting fraudstoppers.oid.ok.gov or calling the OID Anti-Fraud Unit directly at 405-521-6614.
Automobile liability coverage is required by state law. The minimum amount of liability coverage is 25/50/25. For a full explanation of coverage requirements, please click here.
Compare the previous declaration page with the renewal declaration to find out exactly what has changed. If you have had an accident or a citation, your automobile insurance may be surcharged. Also, you may have lost a discount. If either of the previously mentioned examples are not the case, the increase may be due to a rate increase because your insurer requested an increase based on overall loss experience for the entire state. You may review information on company rate filings by going to the Property and Casualty Division and clicking on Monthly Filing Activity Reports.
There are a multitude of various discounts given by different insurers. Make sure you are getting all the discounts possible. Examples of some of the various automobile discounts available are multi-car discounts, multi-policy discounts, good student discounts, driver education discounts, safety course discounts, automobile security system discounts, and vehicle identification number etching discounts. Also, shopping around with different companies may prove valuable in reducing the amount of insurance you are paying. For more information, you can review the Department’s brochure, “Choosing Your Automobile Insurance Policy” by going to the e and clicking on Automobile Insurance Rates Comparison Chart.
This coverage pays you, resident members of your family, and occupants of your car for personal injuries caused by an uninsured motorist, an underinsured motorist, or a hit and run driver. While you are not required by law to carry this coverage, companies are required to offer it with every policy. It does not pay for damages to your car. If an uninsured motorist damages your car, repairs would be paid for under your collision coverage. If you carry liability only, there would be no insurance coverage available to repair your car.
UM pays you, resident members of your family, and occupants of your auto for personal injuries caused by an uninsured motorist, an underinsured motorist or a hit and run driver. It does not pay for damages to your car! If an uninsured motorist damages your car, repairs would be paid for under your Collision coverage. If you carry Liability only, there would be no insurance coverage available to repair your car.
Any time your policy has been canceled or non-renewed, finding new coverage can be a problem. Companies often have strict new business underwriting rules, and may be reluctant to offer coverage for someone in this situation. Your best bet is to contact several companies to see if you can find coverage. If that fails, then you should call the Oklahoma Assigned Risk Auto Plan. The phone number is (866) 667-2827, the fax number is (405) 842-1361 and click here to visit the website.
The Oklahoma Insurance Code requires companies to use rates that are not inadequate or unfairly discriminatory. A rate is not considered to be unfairly discriminatory if it reflects equitably the differences in expected losses and expenses. Companies maintain loss statistics that continue to show that more dollars are paid due to losses involving male youthful drivers when compared to female youthful drivers. Rating factors will be higher to reflect these figures. However, it is worth noting that the gap between the rates for youthful males and youthful females is getting smaller.
No. Section 941 of the Oklahoma Insurance Code says that a company cannot assign driving record points, cancel, refuse to renew or increase the premium rate for any motor vehicle liability or collision insurance policy for the reason that the insured has been involved in a motor vehicle collision and was not at fault.
Maintaining an owner’s policy or a non-owner’s policy will prevent you from paying higher premiums, due to a lapse in coverage, when obtaining insurance on the repaired vehicle. The Department of Public Safety regulates the compulsory insurance laws that require financial responsibility. You may contact this agency at 405-425-2424 or the Oklahoma Department of Public Safety's website to determine whether you are in compliance or to report persons that are in violation.
While the Department of Public Safety regulates private passenger auto insurance requirements, the Oklahoma Corporation Commission is the regulatory authority on financial responsibility compliance for motor carriers. You may contact them at 405-521-2251 or you may wish to visit their website.
No. There may be times when a company will reinstate a policy once the overdue payment has been made, but if you have had a loss during that period, there most likely will be no coverage.
Following an auto accident, an insurance company’s limit of liability is the actual cash value of the property or damaged part of the property at the time of the loss. Putting brand new parts on an older vehicle would result in betterment, which is not the intention of the policy. If you still insist on new factory parts, the company will likely require that you pay the difference between the new parts and the "like kind and quality parts".
No. The Insurance Department is an administrative body. As such, we cannot determine fault and/or negligence nor the degree one might be considered at fault or negligent in an automobile accident. Such a determination can only be made by a court having proper jurisdiction.
A third party claim occurs when you are seeking payment from another persons liability insurance due to the negligent actions of that person. This type of claim is the source of frequent complaints to the OID. Typically, the insurance company is making what the third party claimant considers to be too small of a settlement offer for the damages of the third party. The Insurance Department has limited authority on these types of claims. However, several claims of this type have been settled through the Department's EAGLE program. For more information on the program, go to Eagle Mediation.
This a principle of tort law that applies in Oklahoma which provides that in the event of an auto accident, each party’s negligence is based on that party’s contribution to the accident. For example, if in an auto accident both parties fail to obey the yield sign, their negligence would be equal, and neither would collect legal damages from the other. In some cases, the comparative negligence may be found to be 80/20 or 60/40.
Auto insurance provides coverage on an actual cash value (ACV) basis, which means that the company owes the ACV at the time of the loss. The Oklahoma Insurance Department has no authority to determine the appropriate ACV of a vehicle. According to state law, such cost may be determined by: the cost of a comparable motor vehicle in the local market area when a comparable motor vehicle is available in the local market area, one or two or more quotations obtained by an insurer from two or more qualified dealers located within the local market area when a comparable motor vehicle is not available in the local market area, or the cost of a comparable motor vehicle as quoted in the latest edition of the National Automobile Dealers Association Official Used Car Guide or monthly edition of any other nationally recognized published guidebook.
The insurance company for the at fault party should provide you with a replacement vehicle while your car is in the shop being repaired. If your car is a total loss, the company will generally provide the replacement vehicle until a settlement offer has been made on your car. On the other hand, if the accident was your fault and you will be filing a claim under your auto policy, a replacement car will not be provided unless you purchased rental reimbursement coverage.
Oklahoma Statutes Title 59 1305 sets out the requirements for becoming licensed as a bondsman in the State of Oklahoma. An applicant must affirmatively show that they have not been previously convicted of, or plead guilty or nolo contendere to, any felony, or to a misdemeanor involving moral turpitude or dishonesty.
Approximately thirty-five (35) days.
3.
Where do I get information regarding the required pre-licensing education courses for a bondsman?
The Oklahoma Bondsman Association provides the pre-licensing and continuing education courses. They may be reached at 222 N.E. 27th, Oklahoma City, Oklahoma 73105 or by calling (405) 524-5920. www.okbondsman.com
No. Bail bondsmen post appearance bonds for criminal defendants.
Yes, see Applying Instructions. Step 2: Examination, or click on the Exam Information link in the bail bonds section of our website for additional information.
The OID Consumer Assistance Division handles all types of consumer inquiries. From our website, please go to Consumer Quick Links and select "Request Assistance." Otherwise, you can contact them directly at 800-522-0071 (toll free in Oklahoma) or 405-521-2828.
No. Section 306 of the Insurance Code states that files of the Consumer Assistance/Claims Division, including complaints and requests for assistance from insureds, and insurance agency and company records, shall not be public records and shall not be disclosed except in connection with disciplinary proceedings by the Commissioner.
Visit OID's Instruction's page on filing a complaint here.
No. The Insurance Code provides only for an assignment of life insurance proceeds.
You must complete a "Service Warranty Exemption Form" and submit it to the Department.
The tax rate is 6% of the premium plus any policy fees. The tax must be remitted quarterly along with the required reporting forms.
A flood is an excess of water on land that is normally dry. This would include the unusual and rapid accumulation of water from a neighborhood creek or any other source. Flood insurance covers direct physical loss caused by “flood”. If you need more details go to Fema.gov and click on Summary of Coverage.
No, most property policies do not cover flood losses. You must purchase this coverage separately. Coverage is available through the National Flood Insurance Program (NFIP). Ask your agent or carrier for more information or you may call the NFIP at 800-427-4661 or 888-379-9531. The website is www.floodsmart.gov.
Yes, as long as the community you live in participates in the NFIP. Most communities in Oklahoma do participate in the NFIP. More information can be found at www.floodsmart.gov.
To review the Community Status Book go to Fema.gov and click on Oklahoma.
The NFIP’s Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management activities that exceed the minimum NFIP requirements. As a result, flood insurance premium rates are discounted to reflect the reduced flood risk. The telephone number is 1-501-847-2280 and the website www.training.fema.gov/EMIWeb/CRS.
The steps are similar to any other insurance product that you may purchase. 1. Contact your agent or company representative to report your loss; 2. Separate your property; 3. Make a list of damaged contents; 4. List the areas of structural damage; 5. Work with your adjuster. For more details go to Fema.gov and click on Claims Handbook.
Where a home is located has a great deal to do with the cost of insurance. Insurance Services Office (ISO), an independent statistical, rating and advisory organization establishes Public Protection Classifications. They collect information on a community’s public fire protection and analyze the data using its Fire Suppression Rating Schedule. ISO then assigns a public protection classification from 1 to 10. Class 1 represents the best protection and Class 10 indicates no recognized protection. The phone number is 800-444-4554 and the website is www.isomitigation.com.
No. The insurance company will most likely adjust the premium at renewal.
Yes, they can and many do. Under Federal law, the Fair Credit Reporting Act allows insurers to use credit information for underwriting purposes. Credit reports and/or scores are a commonly used rating tool; however, statutes found in the “Use of Credit Information in Personal Insurance Act”, 36 O.S. 950 et seq, govern how this information may be used in personal lines policies.
Yes. Insurers can file rate increases and/or decreases by reviewing the overall loss experience of the entire state. In cases where they have suffered larger than expected loss ratios, insurers will request adjustments to provide sufficient funds to cover future losses. Each individual will receive varying rate adjustments based on their own personal rating criteria such as age, marital status, territory or zip code, etc.
HIPPA is the Health Insurance Portability and Accountability Act of 1996. This federal law provides protections for people in an employer-sponsored group health plan who have preexisting medical conditions or who might suffer discrimination in health coverage based on a factor that relates to the individual’s health. HIPAA applies to Small (2 to 50) and Large (above 50) groups.
The only preexisting conditions that may be excluded under a preexisting condition exclusion are those for which medical advice, diagnosis, care or treatment was recommended or received within the 6-month period ending on your enrollment date (your first day of coverage or, if applicable, first day of waiting period).
Preexisting condition exclusions cannot be applied to pregnancy, regardless of whether the woman had previous coverage (Individual plans can).
Many plans do not exclude coverage for preexisting conditions. A plan must tell you if it has a preexisting condition exclusion period, and must notify you of your right to show that you have prior creditable coverage to reduce the period. The maximum preexisting condition period that can be applied is 12 months (18 months for late enrollees) beginning on the individual’s enrollment date in the plan.
A plan must reduce an individual’s preexisting condition exclusion period by the number of days of creditable coverage. However, a plan is not required to take into account any days of creditable coverage that precede a break in coverage of 63 days or more ("significant break in coverage").
A plan generally receives information about an individual’s creditable coverage from a certificate furnished by a prior plan or issuer. A certificate of creditable coverage must be provided automatically to you by the plan or issuer when you lose coverage under the plan or become entitled to elect COBRA continuation coverage and when your COBRA coverage ceases.
HIPAA does not prohibit waiting periods. This is the time that must pass before an employee or a dependent is eligible to enroll under the terms of the plan. If a plan has a waiting period and a preexisting condition exclusion period, the preexisting condition exclusion period begins when the waiting period begins.
As a federal law, the regulation of HIPAA does not fall under the jurisdiction of the Oklahoma Insurance Department. HIPAA violations should be reported to the U.S. Department of Labor.
According to section 1219 of the Oklahoma Insurance Code, a company has 45 days from receipt of the proof of loss to notify the insured that they are going to pay, deny, or further investigate the claim. They then have an additional 30 days in which to pay the claim.
Companies are required to file their premium rates and rate increases with the OID. The exceptions to this requirement are found in 36 O.S. § 4250.
State law mandates a 30-day extension of benefits, unless the insured becomes entitled to other coverage.
The Oklahoma High Risk Pool was designed for individuals who are considered uninsurable. You should call the High Risk Pool at (800) 933-7624 for information and eligibility requirements.
Yes. Effective July 1, 2001, the company must pay up to $115 for a low dose mammogram screening for females over 35 years of age. Prior to July 1st the companies were required to pay $85.
According to section 4509(B) of the Insurance Code, a person who is pregnant or in a plan of surgery is entitled to a 6-month extension of benefits. The person must have been covered under the group for at least 6 months prior to termination, and premiums must be paid in order to qualify for this benefit.
According to federal law, a group plan cannot pre-ex a pregnancy; however an individual plan can.
This federal law requires a group health plan (20 or more employees) sponsor to offer continued coverage to qualified beneficiaries who would lose coverage as a result of a qualifying event. Generally, this means that an insured under an employer-sponsored health insurance plan has the right to continue health coverage for a specified length of time after death, termination of employment, divorce, or other events listed in the statute that would result in the loss of coverage.
The cost to the employee is 102% of the amount of the premium charged to similarly situated non-separated employees or their dependents. The additional 2% covers the employer’s processing expenses.
First compare last year’s declaration page with the renewal declaration to find exactly what has changed. If you have a replacement cost policy, the value of your home may have been increased to keep up with inflation and thus there is a subsequent increase. You may have lost a discount because you or your home is no longer eligible or there may be a surcharge for a claim. Even if you have not filed any claims your rates may increase because an insurer has filed an increase based on their overall loss experience for the entire state. You may review information on company rate filings by going to Property and Casualty Division and clicking on Monthly Filing Activity Reports.
There are several things that you may do to decrease your premium. As companies do not charge the same rates, shop for the company that offers the best coverage for the best price. There are upgrades for your home that may provide discounts on your premium. Many companies offer discounts for hail resistant roofs, dead-bolt locks, smoke alarms, fire extinguishers, security systems, approved fire/burglar alarms and sprinkler systems. Most companies also have a discount for having both your homeowners and auto policies with them. You can save money on your premium by increasing your policy deductible. However, you’ll have to pay more out of pocket if you have a claim. For more information, you can review the Department’s brochure, by going to our Publications and Activity Reports section of our website and clicking on the: Homeowners Insurance Comparison Rate Chart.
Companies will sometimes non-renew a policy due to claims frequency. By law, a company shall not cancel, non-renew or increase the premium of a homeowner’s policy that has been in effect for more than 45 days, solely because the insured filed a first claim on the policy. However, if you have filed more than one claim, there is no law to prevent the company from non-renewing. If a company does choose to non-renew your policy, they are required to provide proper written notice as per their policy language.
Any time your policy has been cancelled or non-renewed, finding new coverage can be a problem. Companies often have strict new business underwriting rules, and may be reluctant to offer coverage for someone in this situation. Your best bet is to contact several companies to see if you can find coverage. If that fails, then you should call the Oklahoma Market Assistance Program. The phone number is (405) 842-9883, fax number is (405) 842-8369 and the web site is http://www.mapsprogram.com/
Consult with your agent to determine if you have replacement cost coverage. If so, then the company most likely has the option at each renewal to adjust your replacement cost figures accordingly. Remember, this would be the amount it would take to replace your home, not the amount for which you could sell it. Most companies require that homes be insured at the full replacement value. As the building costs in an area increase, it becomes necessary for the company to increase the covered amount at renewal to maintain full replacement coverage. The company is required to provide at least 30 days notice to you or your designated representative when making this type of change to your policy unless you have provided written consent to automatic increases in coverage.
This is allowable if your insurance company has had this change filed and/or approved by the Commissioner. Ask your carrier if you have the option of buying back your flat deductible as most companies will give you the option. The percentage deductible was implemented to keep premiums down but it may cost you more if you have a loss. Feel free to call our office and we will be happy to verify if this change has been approved.
Actual Cash Value coverage will only pay for the replacement cost less depreciation. As the name suggests, a Replacement Cost policy will pay up to policy limits the cost necessary to replace property destroyed by a covered loss, with no deduction for depreciation. You will pay a higher premium for Replacement Cost coverage. With Replacement Cost coverage, at the time of the loss the company will pay the ACV of the damaged or destroyed property. An additional payment will be made for the difference between the ACV and replacement value once the property has been replaced.
Yes, on a limited basis. Often, coverage for property used for business purposes is limited to $1,000. This amount can vary by policy. There are also several other categories of property that have coverage limitations. Refer to the Special Limits of Liability section of your policy. If any of the listed limitations will result in coverage that is inadequate, talk to your agent about an endorsement that will increase the coverage on a limited item.
The homeowner’s policy typically provides roof coverage on an actual cash value basis. That means that the company will apply depreciation to the roof, based on the age and condition of the roof. Some policies provide roof coverage on a replacement cost basis. In that case, the company will pay the actual cash value (depreciated amount) at the time of the loss, and then pay the additional amount to actually repair or replace once the repairs have been made or at least contracted to be made.
Flood is not covered under a homeowner’s policy. If you are interested in obtaining a flood policy, talk to your agent or contact the National Flood Insurance Program at 1-888-CALL-FLOOD or visit floodsmart.gov.
This is a common problem. For this reason, it is strongly recommended that homeowners maintain a written inventory of household possessions to assist them in the event of a loss. A videotape or photographs of your personal property is also very beneficial, along with receipts for the purchase of your more valuable items. A copy of these items and your insurance policy should be kept in a separate, safe location (such as a safety deposit box) away from your home.The Oklahoma Insurance Department developed a Home Inventory File Publication that you may find helpful to use prior to a loss. To download a copy go to Publications section of the Property and Casualty Division and click on Consumer Home Inventory.
Yes. Most companies require that homes be insured at the full replacement value. As the building costs in an area increase, it becomes necessary for the company to increase the covered amount at renewal to maintain full replacement coverage. The company is required to provide at least 30 days notice to you or your designated representative (your agent) when making any change to your policy.
The statutory requirements for service of process are located at Oklahoma Statutes Title 36 § § 621 and 622.
A fee of Twenty Dollars ($20.00) and three (3) copies of all documents to be served are required for proper service on a foreign insurance company.
No. Oklahoma Statutes Title 36 § 621(A) states that each authorized or alien insurer shall appoint the Insurance Commissioner as its agent to receive service of legal process, other than a subpoena, issued against it in this state upon any cause of action arising from its transaction of business in this state.
No. A domestic insurance company, or one that is domiciled in Oklahoma, cannot be served through the Oklahoma Insurance Department. It must be served directly to the insurance company.
Once service of process is received and if everything is in order, one copy is mailed to the insurance company and one copy is mailed to the service agent on file for the insurance company. Both are mailed via certified mail with postage prepaid and return receipt requested. The final copy is kept on file at the Oklahoma Insurance Department.
No return of service is provided. You are required to send your documents for service via certified mail with postage prepaid and return receipt requested and the green card that you receive back is your proof of service. (See Oklahoma Statutes Title 36 § 622(A)).
Please click on this link for FEE SCHEDULE to view Oklahoma Insurance Department license fees. For additional assistance, call 405-521-3916.
Please note: Retaliatory fees will apply for some non-resident states. Processing applications through an electronic vendor will include their additional charges, so you should contact your preferred electronic vendor to discuss their fee schedule.
Please note: Retaliatory fees will apply for some non-resident states. Processing applications through an electronic vendor will include their additional charges, so you should contact your preferred electronic vendor to discuss their fee schedule.
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View our new section of the website called Licensee Online Tools Help?
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Visit this site to order online.
If you need to order bulk amounts, please use our paper process here. (Opens to a PDF)
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Policy $ 50.00 each
Master Policy $ 50.00 each
Certificates $ 50.00 each
Applications $ 25.00 each
Endorsements $ 25.00 each
Riders $ 25.00 each
Advertisements $ 25.00 each
Rates $ 25.00 each
Informational and all others $ 25.00 each
Variable Products Filing (Including policy plus rider, endorsements and application)$200.00 each
Master Policy $ 50.00 each
Certificates $ 50.00 each
Applications $ 25.00 each
Endorsements $ 25.00 each
Riders $ 25.00 each
Advertisements $ 25.00 each
Rates $ 25.00 each
Informational and all others $ 25.00 each
Variable Products Filing (Including policy plus rider, endorsements and application)$200.00 each
Companies must call the OID office because the answer will vary with each filing.
The system that we are setting up is one that will not allow duplicate form numbers to be used. Different form numbers also make it easier to locate filings.
Yes, unless retaliatory is lower then it goes by the fees set out in the Statute.
According to section 4030.1 of the Oklahoma Insurance Code, a company must provide the necessary claims forms within 10 days after being notified of an insured’s death, and has 30 days from the receipt of the proof of death to pay the claim.
Term Life provides coverage for a limited number of years, and expires without value if the insured survives the stated period, which is typically 5 to 20 years. Such periods generally cover the needs for temporary protection.
Permanent level insurance protection for the "whole of life" from policy issue to the death of the insured. Characterized by level premiums, level benefits and cash values.
An annuity is a cash contract with an insurance company. Unlike life insurance products where policy issue and pricing are based largely on mortality risk, annuities are primarily investment products. Annuities are funded with a single sum amount or through a series of periodic payments. The insurer credits the annuity fund with a certain rate of interest, which is not currently taxable to the annuitant. The ultimate amount that is payable is, in part, a reflection of these factors. Most annuities guarantee a death benefit payable in the event the annuitant dies before payout begins. This death benefit is usually limited to the amount paid into the contract plus interest paid.
Please visit our Annuity page for more information.
This required provision gives policyowners the right to return the policy for a full premium refund within a specified period of time, if they decide not to purchase the insurance. Most policies provide for a 10-day free look.
Yes. If policyowners forget or neglect to pay their premiums by the date they are due, the grace period allows an extra 30 days or one month during which premiums may be paid to keep policies in force.
If an insured dies during the grace period and the premium has not been paid, the policy benefit is payable. However, the premium amount due is deducted from the benefits paid to the beneficiary.
The Guaranty Association was established to support insurers and protect consumers in the event of insurer insolvency. The Guaranty Association is funded by insurers through assessments.
Please visit our Life Insurance page for more information.
Oklahoma is characterized as a voluntary state; meaning that a real estate appraiser credential is not required to perform an appraisal, unless that appraisal is involved in a federally related transaction or a real estate related financial transaction of an agency, instrumentality, or federally recognized entity covered by FIRREA of 1989. As a practical matter, however, virtually all residential mortgage transactions are performed by credentialed appraisers as a lender requirement.
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You can locate the complaint form on our website under the Enforcement header on our main menu, titled “Appraiser Grievance Form." You may also contact the Appraiser Board staff at (405) 522-2475 or e-mail your request to rebecca.keesee@oid.ok.gov.
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Mortgage brokers, supervised lenders, and mortgage loan originators are regulated by the Department of Consumer Credit.
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Abstractors are under the jurisdiction of the Oklahoma Abstractors Board.
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Home inspectors are regulated by the Construction Industries Board.
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The County Assessor and/or County Treasurer of the county wherein the property is located.
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Please refer to the following link (located on the main page of our website):
INTERESTED IN BECOMING AN APPRAISER? Click Here
Or simply call our office at (405) 521-6636 and request an information packet.
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The National Registry is not based on real-time data. This agency sends a data set to the ASC (Appraisal Subcommittee – www.asc.gov) every Monday but it can take up to 48 hours to reflect the updated changes.
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The Board issues credentials for three years, but you only pay licensing fees for one year at a time. When you pay your annual licensing fees, which includes your National Registry fee, the National Registry is updated, and the ASC advances your registry expiration date by one (1) year. They do not utilize the expiration date that is issued to you by this office.
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HUD and FHA retrieve their information from the Appraisal Subcommittee (please refer to previous questions). Please be aware that this office has no interface with HUD or FHA; if you have additional questions concerning those agencies, please refer all inquiries to the appropriate entity.
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Yes. Please see the Bill Pay button on the main menu.
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Part A is Hospital Insurance that pays for care in hospitals and skilled nursing facilities, and home health and hospice care. Part B is Medical Insurance that pays for doctors, outpatient hospital care and some other medical service that Part A does not cover, such as the services of physical and occupational therapists. Part B covers all doctor services that are medically necessary.
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To have complete Medicare coverage, you must purchase Part B.
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A Medigap policy is a health insurance policy sold by private insurance companies to fill "gaps" in original Medicare Plan coverage.
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Medicare Part A pays for medication while hospitalized. Medicare Part B pays for limited outpatient medications. To have prescription coverage, beneficiaries must enroll in a Part D prescription drug plan. Some Part C Medicare Advantage plans cover prescription costs, too. However, Medicare Supplemental plans do not cover prescription drug costs.
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Medicare does not cover residential care. Medicare only covers approved skilled nursing care in a Medicare approved facility. These benefits are available when you satisfy the guidelines as defined by Medicare and are meant to provide limited care until the patient is well enough to return home.
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If you would like to report an allegation of fraud, you may call the SMP program at the Oklahoma Insurance Department at 1-888-967-9100, or call Medicare at their toll-free number, 1-800-447-8477. You can also view Medicare.gov's How to Report Fraud Section for more options.
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No.
We regulate abstract companies who are also licensed title insurance agents only in their capacity of issuing title insurance policies. The Oklahoma Abstractors Board regulates Oklahoma’s abstract industry.
Every day of the workweek except for Friday.
Yes. A title insurance study manual is available for $40.00 and can be online here.
Applicants for licensure must be 18 years of age or older, competent, trustworthy, financially responsible, and of good personal and business reputation.
Applicants shall not be a full-time employee of the government of the United States or of the executive or administrative branches of the government of this state or any county or municipality in this state. (Shall not apply to persons who hold an elective office except the office of Insurance Commissioner).
Application shall be made on forms provided by the Oklahoma Insurance Department. Application shall be accompanied by an insurance company appointment and applicable fees.
Applicant must pass the licensing examination with a grade of 70% or better.
The Tulsa Office of the Oklahoma Insurance Department provides virtually all of the services available in Oklahoma City, including Bail Bonds testing.
Sometimes a situation will arise that must be handled from the Oklahoma City office of the Insurance Department. However, most often a trip to Oklahoma City will not be necessary.
It depends what you are testing for. At this time only Bail Bonds exams are given at the Tulsa office.
The office is open from 8 a.m. to 5 p.m., Monday through Friday, excluding state holidays. The same is true for the Oklahoma City office.
For assistance with your workers' compensation related questions please contact the Oklahoma Department of Labor: Local: (405) 521-6100
Toll Free: (888) 269-5353.
Click HERE for a detailed list of workers' compensation related frequently asked questions.
For assistance with a Workers' Compensation claim please contact the Workers' Compensation Court 405-522-8600.
The Oklahoma Insurance Department regulates the insurance companies, producers and adjusters licensed to sell and adjust workers' compensation-related claims. (Please note, the Oklahoma Insurance Department does not have regulatory authority over CompSource. For CompSource’s contact information, please see below.)
The Oklahoma Insurance Department does not have the authority to adjudicate workers' compensation claims.
For issues pertaining to a workers' compensation claim, please contact the Oklahoma Department of Labor or the Workers' Compensation Court 405-522-8600.
If you are experiencing difficulty with an insurer accepting the workers' compensation affidavit, please fill out our online Request for Assistance form by clicking HERE.
Statute 85 O.S. § 311 affirms the use of the affidavit pursuant to 36 O.S. § 924.5 in the Insurance Code. The Affidavit of Exempt Status under the Workers’ Compensation Act and Exempt Status Fact Sheet may be downloaded in a user-friendly format for your convenience here: Affidavit of Exempt Status [Word]
Oklahoma state law created the affidavit of exempt status for individuals that are independent contractors and are not required to be covered under workers' compensation.
The workers' compensation Affidavit establishes a rebuttable presumption that the executor is not an employee for purposes of the Workers' Compensation Act and that an individual or company possessing the affidavit is in compliance and therefore shall not be responsible for workers' compensation claims made by the executor.
The person/company that you will be performing services for, and their workers’ compensation insurance carrier.
No, you will need to complete a separate affidavit and fact sheet for each person/company that you will be performing services for because their name will be stated on the affidavit document.
You will provide the name of the person/company that you will be performing services for, and their workers’ compensation insurance carrier.
You will provide a copy to the person/company that you will be performing services for, and you should keep a copy for your records. You do not send a copy to the Oklahoma Insurance Department.
No, there is no charge connected with the use of the affidavit and fact sheet documents. The only expense involved will be the cost to have the documents notarized.
For any of the above contact the Workers’ Compensation Court, 1815 N. Stiles, Oklahoma City, OK 73105. The phone number is 405-522-8600 or Oklahoma WATS 800-522-8210 and the website is http://www.owcc.state.ok.us/.
Contact an independent insurance agent or the State Insurance Fund, now called CompSource Oklahoma at 405-232-7663 or Oklahoma WATS 800-347-3863 or http://www.compsourceok.com.
You may also consult the Annual Report and Directory for companies licensed to do business in Oklahoma and the top ten writers by line of business on our website.
CompSource is a non-profit, self-supporting and self-sustaining insurance company created pursuant to Title 85 section 131. CompSource does not receive state appropriated dollars, but operates on investment income and premiums generated from policy holders. To contact CompSource use the information below:
Main Numbers: (405) 232-7663 or (800) 347-3863
Underwriting/Policyholder Services: 1-866-211-6989 (fax)
Premium Billing (Payroll Reports): 1-866-211-6989 (fax)
Claims: 1-866-894-5410
Website
Oklahoma Department of Health, 1000 N.E. 10th, Oklahoma City, OK 73104. Phone 405-271-6868 or at their website.
Office of Attorney General, State Capitol Building. Phone 405-522-3403 or Oklahoma WATS 877-800-8764 or at their website.
You can obtain this information from your workers’ compensation carrier or by calling the Oklahoma Insurance Department (Property and Casualty Division) at 405-521-3681.
16.
I would like to know more about Experience Rating Split Point. Where do I find this information?
Please visit our Workers' Compensation page and look for the document entitled: Experience Rating Split Point FAQ’s in the right hand column.
