OAR Group Health Insurance
Timeline
Late-March 2009 Packets sent to all Designated REALTORS®.
April 1 - April 30 every year Designated REALTORS® who previously did not take advantage of Plan may enroll.
April 30, 2009 New Enrollees
 Deadline to return either a signed Adoption Agreement accompanied with appropriate administrative fees or the Rejection of Adoption Agreement to the Oklahoma Association of REALTORS®.
April 30, 2009 Current Enrollees
Deadline to return the Renewal of Adoption Agreement accompanied with appropriate administrative fees to the Oklahoma Association of REALTORS®.
May 1 - May 31, 2009 Open Enrollment
for all eligible REALTOR® and REALTOR-ASSOCIATE® members whose Designated REALTOR® and/or Broker-Owner has signed an Adoption Agreement with OAR.

This is also the time period to:

  • add any eligible dependents to the plans,
  • elect to change medical plan options,
  • add dental coverage.
June 1, 2009 Effective date of Plan
 

New or Existing Transferred OAR Members
New Members Timeframe for new members who join a participating firm: 45 days from the date active membership is reflected in the OAR membership records.
Transferee Members Timeframe for transferee members who join a participating firm: 45 days from the date an existing OAR member transfers with a participating Designated REALTOR® office.

OAR's continued partnership with Blue Cross Blue Shield of Oklahoma offers an added benefit of your membership with the Oklahoma Association of REALTORS® - health insurance. Oklahoma is one of the first state associations of REALTORS® to take this step for its members.

With Blue Cross Blue Shield of Oklahoma, you can choose from the state's largest network of health care providers. Your claims are processed quickly, and you have knowledgeable, local representatives available to address your concerns.

There are some unique aspects of this offering. One is that Adoption Agreements between OAR and Designated REALTORS® (and Broker/Owners, if not the same person) are prerequisites to eligibility. This means that the benefit will be provided to REALTOR® and REALTOR-ASSOCIATE® members only if the Designated REALTOR® or Broker-Owner agrees to offer the insurance to their associates.

Just like the Broker-Owner or Designated REALTOR® is responsible for payment of associates' MLS dues and association membership dues, the same applies to monthly insurance premiums.

Group Health Insurance
through the Oklahoma Association of REALTORS® group health plan

Plan features include:

  • BlueChoice® PPO network with more than 4,000 physicians statewide
  • BlueCard® :  coverage in all 50 states and 200 foreign countries
  • A choice of deductibles
  • Doctor office copay
  • Inpatient and outpatient hospital care
  • Emergency care
  • Maternity coverage
  • Immunizations for children
  • Prescription drug coverage
  • Coverage available for dependents
  • Lifetime maximum benefit of $5 million
  • Vision discounts
  • Laser vision surgery discount
  • Optional dental coverage
For rates and other detailed information: Melinda Stanford
918.497.1180 or 866.460.1213 toll-free
Melinda.Stanford@nmfn.com
Regarding Adoption Agreements and other general information: Melissa Rawlings
405.848.9944 or 800.375.9944 toll-free
Melissa@OklahomaRealtors.com

 

Frequently Asked Questions 

Q: When do I become an actual member of OAR, therefore eligible for the insurance?

A: The date you finish your orientation.

 

Q: If I leave my company for another company who is not signed up, can I continue getting the insurance through COBRA or any other method?

A: No. Once you leave the participating office your coverage terminates immediately.

 

Q: If my office is participating in the insurance, but I missed the open enrollment period of May, can I still sign up at any time?

A: No. If you have been with that company since they signed up in April and you missed the open enrollment period, you are not allowed to sign up any other time.

 

Q: I just transferred to a new participating office, but the enrollment period has passed. Can I still sign up at any time?

A: Yes. The timeframe for new or transferred members to a participating office is 45 days from the start/transfer date.

 

Q: I just started a new company and am an OAR member and the Broker/Owner of the new office. Can I sign up to participate in the insurance even though the April 30th deadline has passed?

A: Yes.  The timeframe for a new company's Broker/Owner is 45 days from the company's start date.

 

Q: I am not a member of OAR yet. Can I sign up for the insurance if my Broker/Owner is a participating office?

A: No. You have to wait until you have completed your orientation, then you will become an OAR member.

 

Q: My office is not a participating office in the insurance, but I really need insurance and the April-May timeframe is months away. Can I sign up anyway?

A: No. You have to wait until your office is a participating office and signs up in April.

 

Q: If I change my license status to Inactive but continue to work for the Broker/Owner who is signed up for the insurance, do I still receive insurance?

A: No. Once your real estate license (and, therefore, your OAR membership) becomes Inactive, you are no longer eligible to receive insurance.