Posts by: Wyatt Stanford

Special Notice to All Licensed Health and Dental Insurance Agents and Brokers Regarding PY 2026 and PY 2027 OID SBE-FP Agent & Broker Requirements

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SPECIAL NOTICE

TO: All Licensed Health and Dental Insurance Agents and Brokers
RE: PY 2026 and PY 2027 OID SBE-FP Agent & Broker Requirements
FROM: Ashley Scott, Director, Oklahoma’s State-Based Exchange
DATE: March 30, 2026

 

PURPOSE OF THIS NOTICE

Agents and brokers play a critical role in helping Oklahomans understand their coverage options and enroll with confidence. As trusted partners, we aim to equip you with the information and tools needed to continue serving consumers without disruption.

As Oklahoma plans to transition from the Federally-facilitated Exchange to a State-based Exchange on the Federal Platform (SBE-FP) effective May 1, 2026, you can expect many of your current individual market health and dental insurance processes to remain consistent and uninterrupted.

What you need to know:

  • There will be no changes to your responsibilities assisting consumers with enrolling in qualified health plans (QHPs) on HealthCare.gov.
  • The agent and broker registration and training process will remain unchanged. Agents will continue to complete the Centers for Medicare and Medicaid Services (CMS) Registration and Training for Marketplace Agents and Brokers for PY 2026 and PY 2027.
  • Agents, brokers, and agencies applying for or renewing producer licenses to sell insurance in Oklahoma will continue to do so through the Oklahoma Insurance Department (OID).

For more information on Oklahoma’s Exchange transition, please see our updated FAQs on the OID website.

Thank you for your continued commitment and service to Oklahomans.

How We’ve Helped Oklahomans Save Money and Strengthen Their Homes

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For Immediate Release:
March 24, 2026

How We’ve Helped Oklahomans Save Money and Strengthen Their Homes

By Oklahoma Insurance Commissioner Glen Mulready

As I look back over the past seven years in office, I’m proud of the real results the Oklahoma Insurance Department (OID) has delivered to Oklahomans. Our focus has been simple: helping people protect their homes, their families, and their financial future. Every program and effort has been aimed at saving Oklahomans money and strengthening consumer protections.

Protecting Homes and Lowering Insurance Costs

Last year, OID launched the Strengthen Oklahoma Homes (SOH) Grant Program, modeled after a successful program in Alabama. This program helps homeowners strengthen their roofs better to withstand Oklahoma’s high winds and severe storms. By installing an IBHS FORTIFIED Roof™ built to higher standards, homeowners can reduce storm damage, avoid expensive repairs, and save an estimated $700–$800 a year on their homeowners insurance premiums. This program is about more than grants; it’s about building stronger homes so families can recover faster, and everyone benefits from fewer claims over time.

Improving Fire Protection Across Oklahoma

OID’s Fire Protection Services Division also plays an important role in helping communities lower insurance costs. Through the Public Protection Classification (PPC) program, fire departments are evaluated on their training, their equipment, and their ability to respond to fires.

Nearly 20% of Oklahoma’s 1,000 fire departments across all 77 counties have improved their PPC ratings. Better fire protection not only saves lives, but it can also lower insurance premiums. Insurance companies use PPC ratings when setting rates, so communities with stronger fire protection often see direct savings.

Recovering Money for Consumers

When Oklahomans have problems with insurance claims, billing, or coverage, OID’s Consumer Assistance Division steps in to help. In 2025 alone, OID helped recover $10.8 million for consumers, money that went directly back into policyholders’ hands. That’s real money returned to Oklahoma families, and it shows our commitment to making sure insurance companies follow the rules and treat people fairly.

Helping Families Find Lost Life Insurance Benefits

OID also helps families search for lost or forgotten life insurance policies through the Life Insurance Policy Locator. Since December 2016, this program has helped match 10,278 policies totaling more than $200 million in benefits.

Building a Stronger Oklahoma

From roof grants to fire protection improvements to money recovered for consumers, OID’s work over the past seven years has focused on one goal: protecting Oklahoma consumers and strengthening our insurance market. With the continued support of our communities’ first responders and industry partners, we are building a stronger and more affordable Oklahoma.

Media questions or comments should be directed to
Chief of Communications, Liz Heigle
Liz.Heigle@oid.ok.gov | (405) 819-2221

OID Consumer Alert: Watch for Medicare Catheter Supply Scam

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For Immediate Release:
March 23, 2026

OID Consumer Alert: Watch for Medicare Catheter Supply Scam

 

OKLAHOMA CITY— The Oklahoma Insurance Department’s Medicare Assistance Program (MAP) is warning Medicare beneficiaries about a growing scam involving medical supply billing.

Since January 1, 2026 12 Oklahomans on Medicare have reported their Medicare Summary Notices reflect charges for over 15,000 urinary catheters total, for which the total charges exceeded $135,000.00 and Medicare paid a total of $88,793.00.

Adding to the challenge is the fact that the Centers for Medicare and Medicaid Services is now mailing out Medicare Summary Notices every six months, as opposed to quarterly as they were in previous years.  This means that people on Medicare may not see these false charges for several months, which delays any fraud report to Medicare.

How the Scam Works

  • Scammers contact people through unsolicited phone calls, emails, or online ads to obtain Medicare numbers.
  • They then bill Medicare for medical supplies that were never ordered or delivered.
  • Claims may appear legitimate because they list a real or familiar provider’s name.
  • Many people don’t realize anything is wrong until they review their Medicare Summary Notice (MSN) or Explanation of Benefits (EOB).

How to Protect Yourself

  • Review your Medicare Summary Notice (MSN) or Explanation of Benefits (EOB) carefully. This is often the only way to catch this type of fraud.
  • Create a Medicare.gov account so you can see your claims information much sooner than waiting for the mailed Medicare Summary Notices. With a Medicare.gov account, you can see claims when they are processed instead of waiting six months.
  • Do not assume a charge is correct just because a doctor’s name is listed.
  • Never share your Medicare number or personal information with someone who contacts you unexpectedly.
  • Report charges for items you did not receive or that were not ordered by your doctor.

Need Help?

If you see suspicious charges or think your Medicare number has been misused, contact the Oklahoma Insurance Department’s Medicare Assistance Program (MAP). Trained counselors can help you review your statements and report potential fraud.

Oklahoma MAP Helpline: 800-763-2828 or 405-521-6628 Website: map.oid.ok.gov

OID is committed to helping Oklahoma consumers protect themselves from fraud and understand their Medicare benefits.

Media questions or comments should be directed to
Chief of Communications, Liz Heigle
Liz.Heigle@oid.ok.gov | (405) 819-2221

Haskell County Insurance Producer Fined, License Revoked Following Investigation

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For Immediate Release:
March 20, 2026

Haskell County Insurance Producer Fined, License Revoked Following Investigation

 

OKLAHOMA CITY – The Oklahoma Insurance Department (OID) announced it has fined and revoked the license of Leslie Clark, a resident insurance producer from Stigler, Oklahoma, following an investigation led by its Anti-Fraud Unit.

On Feb. 11, 2026, a show-cause hearing was held at OID’s offices before an independent examiner, at which Clark failed to appear. Clark was found to have improperly withheld and misappropriated 18 cash receipts totaling $7,269.38 from consumer premium payments. OID revoked Clark’s license and issued her a $2,000 fine.

This case began when Farmers Insurance Group filed a complaint on Dec. 5, 2024. The complaint stated Clark failed to forward premium payments to the company.

Farmers’ internal investigation revealed that between Aug. 23, 2023, and June 12, 2024, Clark had entered 18 cash receipts into its internal payment system to credit insureds’ policies. Clark failed to forward the funds to Farmers.

Farmers’ investigation also found that Clark’s personal homeowners policy was canceled for non-payment on June 23, 2024. Clark entered a check receipt for $6,885.00 into the insurer’s internal payment system on July 31, 2024, to reinstate her homeowners policy but failed to make a deposit into Farmers’ bank account to cover the check amount.

Farmers recovered the amount due, and no consumer policies were affected.

If you think you’ve witnessed insurance producer fraud, you can report it confidentially to OID by emailing fraudstoppers@oid.ok.gov, calling 800-522-0071 or visiting oid.ok.gov/anti-fraud.

Media questions or comments should be directed to
Chief of Communications, Liz Heigle
Liz.Heigle@oid.ok.gov | (405) 819-2221

Consumer Alert: Oklahoma Insurance Department Warns of Bail Bond Scam Calls Targeting Oklahoma Families

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For Immediate Release:
March 18, 2026

Consumer Alert: Oklahoma Insurance Department Warns of Bail Bond Scam Calls Targeting Oklahoma Families

 

OKLAHOMA CITY – The Oklahoma Insurance Department (OID) is warning consumers about scam calls from individuals posing as bail bond agents who demand immediate payment for a family member’s release from jail.

In these scams, callers claim a relative has been arrested and needs money for bail or GPS monitoring. Victims are pressured to send payment quickly through Cash App, gift cards, or other electronic methods before they have time to verify the situation.

“We’re urging consumers to be skeptical of anyone calling and demanding money,” Insurance Commissioner Glen Mulready said. “Always fact-check these calls by contacting the parties involved, and never send them money.”

Warning signs of scam calls

  • A call comes from an unfamiliar number
  • The caller claims a loved one has been arrested
  • The caller demands money immediately
  • The caller requests Cash App information, gift cards, or similar methods
  • The caller says it’s for “GPS Monitoring” or other bond-related fees

How to protect yourself

  • Call the jail using the official phone number to confirm the arrest
  • Verify with the jail or a licensed bail bond company
  • Never send money or provide financial information to strangers

If you believe you are the victim of a scam, report it to law enforcement immediately.

For questions about insurance, please contact OID at 800-522-0071 or visit oid.ok.gov.

Media questions or comments should be directed to
Chief of Communications, Liz Heigle
Liz.Heigle@oid.ok.gov | (405) 819-2221

Strong Demand for Safer Homes: Strengthen Oklahoma Homes Program Fills All Available Applications for First Quarter Rollout

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For Immediate Release:
March 12, 2026

Strong Demand for Safer Homes: Strengthen Oklahoma Homes Program Fills All Available Applications for First Quarter Rollout

Next Application Period Opens in Early April

OKLAHOMA CITY – The Oklahoma Insurance Department’s Strengthen Oklahoma Homes (SOH) program announced today that its first application launch of 2026 has reached full capacity, approving 300 applications since opening in early January — reflecting the growing demand among Oklahoma homeowners for storm-resilient housing solutions.

Since launching one year ago, the SOH program has distributed more than $2 million in grant funds to eligible Oklahoma homeowners.

“We are incredibly encouraged by the strong interest from homeowners across Oklahoma,” said Ashley Scott, Deputy Commissioner of External Affairs. “Filling all available application slots after opening the program up state-wide demonstrates both the demand for this program and the support for building more resilient communities across our state.”

The SOH program provides grants of up to $10,000 to eligible Oklahoma homeowners to help offset the cost of FORTIFIED roof installations, designed to better withstand the high winds and hail events common across the state. On average, homeowners who complete the program save $749 annually on their insurance premiums — making the long-term financial benefits just as compelling as the grant itself.

Homeowners interested in the next launch, anticipated to open in early April 2026, are encouraged to begin preparing now. One of the most important steps is ensuring their homestead exemption is on file with their county assessor. The county application period closes March 15, 2026 — homeowners who have not yet filed should do so immediately to avoid any eligibility issues.

To learn more and prepare for the next launch, visit https://www.oid.ok.gov/okready/.

Media questions or comments should be directed to
Chief of Communications, Liz Heigle
Liz.Heigle@oid.ok.gov | (405) 819-2221

Oklahoma Insurance Department Shares Guidance After Storms Impact State

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For Immediate Release:
March 9, 2026

Oklahoma Insurance Department Shares Guidance After Storms Impact State

 

OKLAHOMA CITY – The Oklahoma Insurance Department (OID) is ready to assist Oklahomans affected by the severe storms that impacted the state March 5-6.

“OID is here to help,” said Insurance Commissioner Glen Mulready. “If you have questions about your policy or need assistance with your claim, please contact our Consumer Assistance Division.”

Anyone affected by storms can contact OID’s Consumer Assistance Division at 800-522-0071 or by visiting oid.ok.gov. Commissioner Mulready also reminds Oklahomans to report all damage at damage.ok.gov.

Here are some post-storm tips for victims:

  • Access and document your damage. Take numerous photos or videos of the damage. Don’t throw anything away unless your insurance company tells you to.
  • Make the necessary repairs to prevent further damage. Cover broken windows, holes, leaking roofs and damaged walls. Do not have permanent repairs made until your insurance company has inspected the property and you have reached an agreement with them on the cost of appropriate repairs. Move undamaged items to a safe location when necessary to prevent theft or additional loss.
  • Have your roof inspected by a trusted roofing contractor. If the damages are below or slightly over your deductible, you will want to pay for the repairs. If they exceed your deductible, turn the claim into your insurance carrier.
  • Contact your insurance company or agent after you have an estimate for repairs. Ask what forms, documents and information you need to provide to process your claim. Remember that replacement cost policies require the work to be completed within six months of the date of loss to receive the replacement cost payments that were withheld.
  • Save all receipts. If you made repairs to your property, save all receipts, including those from the temporary repairs that your insurance policy might cover.
  • Ask about additional living expenses. If your home is damaged to the extent that it is unlivable, ask your insurance provider if you have coverage for living expenses incurred while repairs are being made.

Remember these tips when you’re dealing with contractors to avoid fraud:

  • Always get more than one bid.
  • Check references and phone numbers. The Better Business Bureau collects contractor complaint information. You can contact the Construction Industries Board to verify that the contractor holds a valid license to do business in the state and that they carry liability insurance.
  • Don’t pay upfront, and don’t make your final payment until the job is complete.
  • Avoid contractors who offer to waive your deductible or promise a rebate (It’s against the law!).
  • Never sign a contract with blank spaces; always keep a copy for your records.

If you suspect contractor fraud, contact the Office of the Oklahoma Attorney General Consumer Protection Unit at 833-681-1895.

You can find more information about preparing for storms and reviewing your insurance coverage at oid.ok.gov/GetReady.

Media questions or comments should be directed to
Chief of Communications, Liz Heigle
Liz.Heigle@oid.ok.gov | (405) 819-2221

Special Notice to All Licensed Insurance Companies Regarding Switch to State-Based System (SBS) for Complaint Communications

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SPECIAL NOTICE

TO: All Licensed Insurance Companies
RE: Switch to State-Based System (SBS) for Complaint Communications
FROM: Glen Mulready, Oklahoma Insurance Commissioner
DATE: March 9, 2026

 

PURPOSE OF THIS NOTICE

On April 1, 2026, the Oklahoma Insurance Department (OID) will begin using NAIC’s State-Based System (SBS) External Company Complaint Portal to communicate with insurance companies about consumer complaints and provider grievances (complaints). The new portal allows you to view all of your complaint cases from a dashboard, and to exchange messages and attachments with the OID from within a case.

SBS for Organizations requires only one login to access all states that use SBS. Therefore, if you already use SBS for Organizations in other states and/or have an NAIC login, you do not need to create a new SBS for Organizations account. You will use your existing NAIC login. ONLY new users need to create a new SBS for Organizations account.

In either scenario, all users will need to associate their Oklahoma company with their accounts by using each company’s “Company Number” and “Company Complaint PIN”. Your organization’s unique Company ID and PIN are as follows:

Company Name: Company Name

NAIC No: NAIC CoCode

Company Number: Company Number

Company Complaint PIN: External Complaint PIN

Sign up for SBS for Organizations by following these simple steps:

Step 1: Go to www.statebasedsystems.com. Select Oklahoma from the jurisdiction drop-down and click Sign Up for SBS for Organizations.

Step 2: Follow the prompts to create your account and log into SBS for Organizations.

Step 3: Add your company to your account using the Add Entity function. For the “Type”, select Company Complaint. Then select Oklahoma for your jurisdiction and input your Company Complaint PIN above. You will need to input one additional piece of information to verify your company – FEIN, NAIC Cocode or SBS Company Number (found above).

Step 4: Begin using the Company Complaint Dashboard to simplify your company complaint process and respond to complaints. Be sure to sign up for notifications under “User Settings” so you receive system and email notifications when a new case attachment or message is available for review.

For additional security protections, please refrain from creating an account with a generic email. Each selected user within the organization should sign up with their own account. 

There is a user guide available to walk you through adding your company to the portal, how to setup notifications, and how to add attachments and send direct messages via the portal to the DOI. Please review: https://www.statebasedsystems.com/solar/docs/CompanyComplaint.pdf.

Questions? Please contact the NAIC Service Desk with questions at sbshelp@naic.org.

Oklahoma Insurance Commissioner Approves CompSource Mutual’s Plan to Reorganize

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For Immediate Release:
March 5, 2026

Oklahoma Insurance Commissioner Approves CompSource Mutual’s Plan to Reorganize

 

OKLAHOMA CITY – Insurance Commissioner Glen Mulready approved today the reorganization of CompSource Mutual Insurance Company (“CompSource”) into a mutual holding company structure. Under the approved plan, CompSource will convert into a stock insurance company, called CompSource Mutual Insurance Company, S.I. If approved by a vote of the policyholders, CompSource policyholders will become members of a newly formed mutual insurance holding company, CompSource Mutual Insurance Holding Company, which will own 100% of the converted stock insurer indirectly through CompSource Intermediate Holding Company.

This process of converting to this type of mutual holding company system was established in Oklahoma law in 2024 through HB 3090 in order to streamline the transitioning of mutual insurance structures and foster a more flexible and competitive insurance market. CompSource’s conversion will be the first of its kind in Oklahoma.

This law requires the plan of reorganization to first be submitted to the Insurance Commissioner for approval. The reorganization plan must then be approved by a vote of at least two-thirds of the eligible members (policyholders) voting on the plan.

“Protection of policyholders has been our greatest concern in this review process,” said Insurance Commissioner Glen Mulready. “My office has employed significant due diligence in its review. Though not required, I held a public comment hearing and offered a written public comment period because I wanted to hear any concerns from the public. In addition to our own review, I also exercised my authority under the law to engage an independent and qualified third-party expert to review and ensure the plan of reorganization is fair and equitable to policyholders and protects policyholders’ rights.”

Holding a public comment hearing also provided the means to publicly disclose the Plan of Reorganization, which otherwise is confidential under Oklahoma law.

As detailed further in the Order, the Commissioner found that the plan protects policyholder rights, is fair and equitable to members, and does not substantially reduce the security or services provided to policyholders. Every policy in force on the effective date will remain in force under existing terms, and premiums will not be increased or changed mid-term solely as a result of the conversion. Membership voting rights in CompSource will be replaced with substantially similar voting rights and rights in surplus in the parent company.

The plan also satisfies capital and surplus requirements for a domestic stock insurer, ensuring the company is financially stable. The competency, experience, and integrity of those controlling the new stock insurer are not contrary to policyholder or public interests.

To further protect policyholders, the Approval Order includes conditions and safeguards, among them: maintaining a minimum 300% risk-based capital for three (3) years; OID pre-approval of any dividends issued by the stock insurer for three (3) years; advance notice to OID of director or officer changes for three (3) years; OID approval for any stock distribution or sale for five (5) years with independent valuation; and prohibiting stock or stock option grants to officers or management for five (5) years.

A copy of the Plan of Reorganization was attached to the Notice of Comment Hearing issued in August 2025 and is available at this link: https://www.oid.ok.gov/wp-content/uploads/2025/08/25-0697-TRN-CompSource-Mutual-IC_Notice-of-Hearing_with-Attachments-v2.pdf.

Media questions or comments should be directed to
Chief of Communications, Liz Heigle
Liz.Heigle@oid.ok.gov | (405) 819-2221

Commissioner Mulready Statement on $5 Billion Dividend to State Farm Policyholders

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For Immediate Release:
March 2, 2026

Commissioner Mulready Statement on $5 Billion Dividend to State Farm Policyholders

 

OKLAHOMA CITY – State Farm Mutual Automobile Insurance Company, one of the largest writers of auto insurance in Oklahoma, announced it is sending $5 billion back to qualifying auto customers through a dividend following stronger-than-expected underwriting performance.

State Farm informed the Oklahoma Insurance Department (OID) that it authorized the distribution of a policyholder dividend to Private Passenger Auto (PPA) Voluntary Preferred policies. The dividend for Oklahoma policyholders with a policy in force as of December 31, 2025, is 10.0% of the premium earned during that period, or more than $101.5 million, for an average preferred dividend of $112 per vehicle, distributed to nearly 1 million policyholders.

This dividend comes on the heels of two rate reductions on State Farm auto policies last year.

“This is excellent news for Oklahoma policyholders,” said Insurance Commissioner Glen Mulready. “When insurers perform well and maintain strong underwriting discipline, it creates opportunities like this to benefit customers directly. A dividend of this size demonstrates financial stability, responsible rate management, and a commitment to returning value to policyholders. At a time when families are carefully managing their budgets, an average of $112 per vehicle can make a meaningful difference. We welcome actions that reward consumers and reflect a healthy, competitive insurance marketplace in Oklahoma.”

OID encourages consumers with questions about their coverage or dividend eligibility to contact their agent or State Farm directly. OID remains committed to protecting policyholders and promoting a stable, competitive insurance market.

Media questions or comments should be directed to
Chief of Communications, Liz Heigle
Liz.Heigle@oid.ok.gov | (405) 819-2221