To cancel Moda Health insurance, call their customer service line at (866) 923-0409 or cancel online through your account—just make sure it's within 30 days of when you want coverage to end.
What is Moda Health's grace period?
Moda Health usually gives you a 30-day grace period to pay your premium before coverage lapses.
Say your payment is due on the 1st of the month—you’ve got until the 30th to pay it. So if your June 1 premium isn’t paid by June 30, you could lose coverage. Missed payments sometimes trigger fees, and paying late repeatedly might put your coverage at risk. Always double-check your specific plan’s grace period with Moda directly. If you're looking for guidance on cancellation periods for other health plans, you might find our article on canceling VA health care helpful.
Is Moda a PPO?
Moda Health is primarily a PPO (Preferred Provider Organization), meaning it covers both in-network and out-of-network providers.
That means you can see doctors outside Moda’s preferred network, but you’ll usually pay more for the privilege. Their PPO plans are widely accepted across Oregon, Washington, Alaska, and Texas. For the nitty-gritty details on your plan, check the Moda Health website or give them a call. If you're considering other insurance types, you may want to read about canceling Medicare Advantage plans.
Who owns Moda Health?
Moda Health is owned by Oregon Dental Service (ODS), a nonprofit dental insurer that started way back in 1955.
Both ODS and Moda fall under the umbrella of a larger holding company system tied to the Oregon Dental Association (ODA). While ODS sticks to dental insurance, Moda has branched out into medical and pharmacy coverage. They run separately but share leadership and big-picture goals.
Is Moda Health a private company?
Yep, Moda Health is a privately held company—it’s not traded on any public stock exchange.
As of 2026, it’s still one of Oregon’s biggest private employers, pulling in over $2 billion a year. Being private means it doesn’t have to deal with public market swings, but it also relies on private funding and retained earnings to grow. If you want to peek at their finances, Moda releases annual reports you can request. For insights into how other organizations handle private funding, explore our article on multimodal text creation.
Is Moda a high deductible health plan?
Moda does offer HSA-qualified high deductible health plans (HDHPs) that meet IRS standards for tax-free savings.
In 2026, these plans usually come with deductibles of at least $1,600 for individuals or $3,200 for families, with out-of-pocket maxes capped at $8,050 (individual) or $16,100 (family). You can stash money in a Health Savings Account (HSA) tax-free to cover medical expenses. Not every Moda plan qualifies—always check your specific plan details.
How do I submit a claim to Moda?
Medical claims go to Moda by mail or through the member portal; vision claims route through VSP, and pharmacy claims are handled straight through Moda.
Mail medical claims to Moda Health, P.O. Box 789, Wilsonville, OR 97070. You can also upload them via the Moda Health member portal. Hang onto receipts and documentation—claims must be filed within 180 days of service. For prescriptions, use Moda’s pharmacy portal or dial (866) 923-0411.
Is Moda an HMO or PPO?
Moda Health focuses mostly on PPO plans, though some locations or employer plans might include EPO or HMO options.
In most areas, you can see any provider with a Moda PPO, but you’ll save more by sticking to in-network doctors. Some employer plans or regional options might require a primary care physician (PCP) and operate more like an HMO. Always confirm your plan type in your member materials or by calling customer service.
Are EPO and PPO the same?
No, EPOs (Exclusive Provider Organizations) and PPOs aren’t the same—they handle networks and referrals differently.
EPOs usually force you to stay in-network and won’t cover out-of-network care except in emergencies. PPOs let you see any provider but charge extra for out-of-network services. EPOs often have lower premiums and may skip referral requirements for specialists, while PPOs give you more freedom at a higher cost. Always verify your plan’s rules before you book an appointment. For more on plan differences, see our guide on accommodations for learners.
Does OHSU accept Moda?
Yes, OHSU accepts Moda Health insurance for medical services, and Moda handles the claims.
OHSU offers several plans, including OHSU PPO, OHSU EPO, and high-deductible options, all managed by Moda. To double-check coverage, use OHSU’s provider search tool or call OHSU billing at (503) 494-8900. Always confirm your specific Moda plan is accepted before you schedule anything.
What states does Moda Health cover?
As of 2026, Moda Health mainly covers Alaska, Oregon, Texas, and Washington.
It started as ODS Health and has since expanded to these four states. If you’re traveling or moving, check Moda’s coverage map to see if your area’s eligible. Out-of-state emergencies might be covered, but routine care usually requires an in-network provider.
What does Moda mean in Moda Center?
“Moda” comes from the Latin “modus,” meaning “the way,” and represents active living and better health.
They rebranded from ODS to Moda Health in 2013 and renamed the Moda Center in Portland at the same time. The shift signaled the company’s move from dental-only insurance to a broader health services provider. Their slogan, “The Way to Better Health,” sums it up nicely. For more on branding evolution, check out our analysis of canceled TV shows like Castle.
How many members does Moda Health have?
As of 2026, Moda Health covers around 330,000 members in its medical plans and over 1 million in its standalone pharmacy segment.
Since its founding in 1955, Moda has grown steadily through acquisitions and organic expansion. It’s now one of the largest health insurers in the Pacific Northwest, with a big focus on community health programs and employer-based plans.
Who is the CEO of Moda Health?
As of 2026, Robert Gootee has been the CEO of Moda Health since 1998.
Gootee has steered Moda from a dental insurer to a full-service health plan provider. His leadership has pushed for better tech, member experience, and community health partnerships. For the latest updates, check Moda’s leadership page. To see how leadership changes impact organizations, read our piece on The Mentalist cancellation.
What is timely filing for Aetna?
Aetna usually requires claims to be filed within 180 days of the service date, unless your provider contract says otherwise.
File too late, and you risk denied claims or lower reimbursements. Always confirm the deadline with your healthcare provider or Aetna directly. Most Aetna plans stick to this 180-day window, but employer plans or state rules might have exceptions.
Edited and fact-checked by the FixAnswer editorial team.
