The Ods Companies

Moda seems chaotic and amateurish. Also they sent letters arriving Dec 11 saying we had to drop coverage by Dec 15 if we didn’t want to continue with Moda into the new year. So, 4 days to make a big decision (yes I realize I should have been on top of it on my own), the cost of my policy was to go up $ 200 a month for a plan that pays NONE of my healthcare bills. They made some bad decisions and assumed the government would pay when they did not in the end and now the subscriber must pay up. I have switched to Providence and hope for the best.

I chose ODS Companies/​Moda Insurance for my coverage in 2014 and 2015. The coverage was fine. I now have a new job with insurance and cancelled my coverage 12/​31/​2015. I confirmed the cancel 2x via the telephone with Moda/​ODS. I also went to my bank and put a stop pay on the regular monthly withdrawal, they were processing under ODS Insurance. This morning they tried to process again under a different ODS company name for $ 2,616! I once again put a stop pay on this payment at the bank! The bank advised I check my account for the next several months daily because it may take that long to clear the auto charge and that they have several other company names they process under. I am beyond frustrated with them at this point!

Scam scam scam Think they are a scam, they pulled the plug on my surgery 5 days before the date (not that people make plans for major surgery) claiming there in house Doctor looked a my case and decided I need to do some different treatment first, When I called and asked what exactly those treatments where! They couldn’t give me an answer, when I told them that there Doctor must have something in mind … Then they told me I have to go back to my provider, hmmmm .
Don’t think there Doc ever looked at my case they just cancelled because they don’t want to pay.

I chose Moda for my first year of Affordable Care Act coverage. The premiums were «reasonable» (in comparison with other companies). I have not used it at all, but I just got a letter in the mail telling me that my premium is going up about $ 100/​month for next year.
Maybe stop buying naming rights to stadiums and just give us a decent deal.

horrible! I have been dealing with a claim from 2013 for the last two years that should have been paid. can’t seem to get anywhere — every time you call you talk to someone else, it doesn’t help to have call reference numbers and they never seem to get the faxes that they request

I had ODS dental coverage while I was traveling in California and experienced a dental emergency. Not only was I promised that I would be reimbursed fully for any treatment, but THEY picked the dentist I could go to. After paying up front for care to put me out of my pain as soon as possible, ODS has taken 5 months to reimburse me, at first DECLINING my reimbursement 3 times! I have spent hours on the phone with them, reminding them time and again that I was told, by ODS, to go to that specific dentist and reassured that I would be covered fully. Finally I got my reimbursement only to find out that they will only cover 70% and I am out over $ 200. They have misled me, outright lied about coverage, and made it as difficult as possible to be reimbursed. This company is absolute crap and I highly recommend people go elsewhere for coverage.

Moda took funds out of my pay and put it in a 401K with Heintzberger Payne without my permission. At no time did I give permission to Moda heatlh to take money out of my paycheck.
After I resigned, I learned I had funds diverted to Heintzberger Payne. Heintzberger Payne then charged me an $ 85.00 «disbursement fee». They charged me to get my money back of which I never authorized Moda Health to take out of my pay!
Watch out for these thieves! what sheisters!

Is it possible to give a negative 1 billion stars? I signed up for ODS/​Moda. I never received a bill or copy fo my policy. For several months I attempted to get a bill. I went in for care in June of 2014. I finally received a bill in July of 2014 for coverage and promptly paid. Moda paid for the care visit to the doctor. They claim they then cancelled me in Sept of 2014, though I cannot find anything showing this. Just this week, end of Feb 2015, Moda is now retroactively claiming I didn’t have coverage in June of 2014. If I didn’t have coverage at the time of my visit why did my coverage go through, why did Moda pay out for that coverage, why did they charge my card several hundred dollars after the visit, and why did they wait 8 months to figure it out? They are liars, thieves, and con artists participating in another ponzi scheme brought on by the scumbags with a D or an R next to their name. Oh yeah, I am sure the government will now charge me for «lack of coverage» as well.

Like so many others, I’ve not had a good experience with ODS/​Moda. We had a HSA plan with them since 2013, but it was cancelled in March of 2014 and we had to replace it with a new plan that complied with the current health care laws. The process was difficult and confusing. We had to re-​apply through Cover Oregon for similar coverage. We did that and ODS/​Moda gave us an updated policy. The kept the policy in force for the entire year and then at the end of 2014 retroactively cancelled the policy back to May 1^st. 2014. Obviously this has been a major head ache to clear up. The only feedback from their customer service department has been; ‘We’re looking into it.”. This has gone on for weeks now and we are in the process of dealing with all of the health care providers who are now billing us for the payments that Moda has recently ‘un-​paid’. It’s a nightmare… Not a good company to deal with.

had Moda and was scheduled for a preventive colonoscopy due to family history of colon cancer. Because they found a polyp, Moda charged me for the colonoscopy because they said it was diagnostic, not preventive. It took MONTHS of my insurance broker, me and my doctor calling and writing letters for them to finally cover it as part of my preventive care. So I quit Moda and switched to Providence.
My boyfriend has Moda. He had an accident and was taken to Legacy Emanuel as it is one of the two trauma centers in Portland. The ambulance, and emergency room were covered — for some reason the DOCTOR he saw at ER is outside of network. He obviously was not in a position to get a doctor who was in his network and now he’s stuck with a $ 700 bill. Moda stinks — get Providence!

This is the absolutely worst company I’ve ever had the experience of working with. They make Comcast look amazing. Billing is stupid. Their site is worthless (if it’s ever working) and customer service — if you ever actually reach a live person — is terrible.
Back in February, they charged me 13 times for my monthly premium because their site was ‘experiencing issues’. 13 TIMES! Good thing I had enough money in my checking account to cover it. I called. I emailed. When I finally got a response they recommended that I dispute the charges with my bank as they didn’t have the ability to reverse the payments. WHAT? Seriously? How do you people stay in business?
Like other reviewers, I have spent countless hours on hold waiting to reach a live person. I just tried logging in to cancel my policy and of course, the site is down. If I can’t log in, I guess I’ll have to call my bank and tell them not to let the charges go through.
Seriously, if you’re looking for a 2015 healthcare plan, shop elsewhere. These guys are terrible!

Multiple issues with billing department. Have spent countless hours trying to figure out their mistakes and rectify. I think this is the case of too much business and not enough knowledgable employees. Management should address and get this figured out. Just plain horrible customer service.

It is incredibly hard to get a hold of anyone there. I spend my lunch hour most days trying to reach someone and to no avail. My name was incorrect and I also don’t receive my paper or electronic bill. I tried to find my bill on the site, but it’s constantly down. I will be switching to a different company as soon as I can get a hold of anyone on that side of the line. Even if I have to pay more, it’s not worth sticking with a company that is never there to help when it’s needed.

MODA — no thank you!!! If no stars would have been available I would ave picked that one.
Just like the previous reviewer, I agree that we are being charged an outrageous amount of monthly premiums for nothing.
Their website also seems to not list the right providers according to your plan.
Check your EOB’s (if you brave enough) they do what they want and of cause goal#1 deny, deny deny…
The Doctors offices dumping the responsibility of finding out if they are «in Plan» on the patient, which I do not think is right either.
I too do believe the Center named after this giant is a disgrace to their members.
I will be switching next year — it can not get worse than this…

Absolutely the worst company on the planet. In addition to charging outrageous amounts of money for no services at all (which may just be what healthcare has become) the customer service is pretty much the worst I have ever come across in my life. IIm talking worse than Comcast, and that is saying something. is quite disappointing as a Portlander to see their name all over the stadium and feel naseauted that they are spending all their money on marketing and none on actually provding services.
My premiums have been incorrect 5 out of 6 months.
The customer service line is a long wait and with sassy customer service reps.
The services are horrible, might as well not even have healthcare.
I really can not say how disappointed I am in MODA/​ODS.

Never had so much trouble with contacting a company. They won’t answer the phones, when I do get put on hold I never get an expected wait time and have waited for over an hour an twenty minutes. Took me four weeks before I heard back from any one of my multiple messages and then the person that contacted me couldn’t help with all of the questions and I have yet to hear back from anyone else who can help.

Got job with medical so wanted to cancel. can’t do it online. been calling for several days … usually give up/​get dropped after 30 minutes. Had to call bank and ask them to block charges. HORRIBLE service.
Go elsewhere.

When Obamacare led to the cancellation of our longtime insurance policy with an ODS competitor we switched to ODS (now known as Moda). I didn’t know much about them, but the price was right (deductible, annual out of pocket max and lifetime out of pocket max), Oregon has a pretty good state Insurance watchdog agency, and I’ve always been healthy, plus they have some plans which allow a wide choice on which doc, etc. I choose, so I thought I’d be okay.
The first problem I encountered is that they have nowhere near the amount of staff they need for the number of subscribers they have, especially as literally thousands of new members signed up during the Obamacare enrollment period.
Once we’d enrolled Moda sent us incomplete info – the material referred to an «ID card» which was missing from the packet. The cover letter told us to set-​up monthly premium autopay on their website, using our new member ID numbers, but we didn’t know our ID numbers! I called them and reached a voice-​mail which said «sorry we’re really busy», and then the phone line disconnected. I called multiple times but couldn’t get through. Then I tried emailing them but got no response at all.
Wouldn’t you know it, within a few weeks of signing up with them I had emergency surgery, which means bills from the hospital, the surgeon, the anesthesiologist, etc. Moda sent me three letters saying they had received bills from each of these places and were looking into the charges and would get back to me. They never got back to me, but I got statements from these medical providers indicating Moda had paid them something, and telling me what my share of the bills was.
I wanted to see the paperwork from Moda before I sent off checks, two quite large, but I could not communicate this to Moda. I still couldn’t get through by phone, so I emailed them. I got an unhelpful response the next day, which seemed as though the Moda employee had not read through my email before responding. I restated my questions clearly and still got a useless response. I tried again and they did not respond.
Paperwork is such a huge part of health care these days, and the dollars involved are so big, I’m not willing to continue to deal with a company that is so difficult to communicate with. At this moment I regret having chosen Moda and am looking forward to the opening of the next enrollment period in November when i can choose another company. Maybe by then they will have ramped up their staffing, and it’s likely that more people will get discouraged and drop their coverage.

I just recently switched over to Moda Health insurance through Providence (the gold standard in my book) and it has been such a smooth transition. I got the information in the mail to set up my online account and it was very easy. I was expecting absolute hell in doing this and getting my bill paid, so I was happily surprised that it went through in the blink of an eye. Nice going, Moda! I look forward to my future dealings with you and your providers.

It’s comparative and personal, of course. Kaiser nearly killed me so ODS seems like a godsend.
Truth is it’s a system like any other. This one has more wiggle room. This one has choices. This one has codes.
Learn the codes. Find a doctor who can lay them down like the winning hand at an all-​night poker rally. You can beat the house.
[Yelp 30 Challenge: 29/​30]