When does my coverage start?

Coverage begins on the date that you request through the application process so long as payment has been received and all requirements have been met.  This is called your effective date.

Please note: Effective dates for Critical Illness Plus and the Incentive 10 and Dollar-Based Dental policies must be the 1st or 15th of the month. Managed Care plans through Willamette Dental Group begin on the 1st of the month.

Can my child have their own policy?

Yes, children may have their own policies for certain products.  When submitting their information, please include an in-care-of name if the child is under age 18 so that the post office will deliver the billing statements and policy documents.

Please note for STM and CI Plus:  if you request Electronic Communications for document delivery for multiple dependents, a different email addrss will be required for access to each policy through the My Account portal.

Can I have more than one child on a policy without an adult on the policy?

Children cannot be dependents of one another; therefore each child must have their own individual policy. 

Please note: Each application submitted will require a policy fee with the initial premium payment.

How do I terminate my policy*?

We require a written request at least 30 days prior to your desired termination date. Please include your ID # and date you wish to terminate the policy with your full name and signature and submit to LifeMap by mail or fax.

Please read your dental or critical illness and emergency treatment policy carefully for cancellation provisions.

Mail to:
LifeMap - Individual Products
PO Box 1271 MS E8L
Portland, OR 97207-1271

Fax: 1(855) 207-1202

*Short Term Medical policies may not be terminated for reasons other than those listed in your policy.

How do I make a payment?

We cannot take payments over the phone, however, we have four additional options available:

  • Online: This may only be used as a one-time payment, for ongoing payments please use the e-banking or EFT option below. 
  • E-banking: Set up an ongoing payment option with e-banking through your bank. 
  • Electronic Fund Transfer (EFT): To establish an automatic draft of your premium, please contact LifeMap either by phone 1(800) 756-4105 or by email at Support@LifeMapCo.com 

Mail to:
LifeMap - Individual
PO Box 35023
Seattle, WA 98124-3518

What do I use for my bill pay info for bank bill pay?

Use your Policy Number as the account number and make the payment out to LifeMap. Please refer to your premium billing statement for Payment address and Policy Number.

How do I know you received my payment?

Give us a call!  We can check the status of your account and any payments made or pending.  In order to protect your privacy we do not offer online account tracking at this time

Why didn't you call me when the draft declined?

LifeMap communicates through written notifications. If your draft declines, a written notice will be mailed to the address of record notifying you the draft declined and will state the amount due. Please note, full premium to bring the policy to a fully paid status will be required if your payment declines. 

Where is my refund?*

Give us a call! We would be happy to look into the status of your policy and offer a timeline. Depending on how premium was received and processed your refund may be issued via Check or a Credit to the account originally drafted. If a Check is being mailed it will be sent to the most recent address of record for your policy. Please be advised, refund processing can take up to 10 business days for full processing from the request date.

*Please read your policy carefully for refund provisions.

How do I change my address?

We require a written request including your ID number, new address, name and a signature at least 30 days prior to your next billing date to ensure the change processes on your next bill.  Requests may be made online, email, mail or fax.

Online: Change Address

Email: Support@LifeMapCo.com
Address: 
LifeMap - Individual
PO Box 1271 MS E8L
Portland, OR 97207-1271
Fax: 1(855) 207-1202

Why can't I get information about my spouse's services or policy?

In compliance with Federal HIPAA regulations we cannot provide certain information regarding a policy status or services if you are not the primary policy holder. If you would like to designate an authorized person to discuss your policy details please submit a written notice to our office via fax, mail, or email. Please include the full name and if any information should be restricted in your request. You may revoke or change the authorization at any time with a written request.

Email: Support@LifeMapCo.com
Fax: 1(855) 207-1202
Address: 
LifeMap - Individual
PO Box 1271 MS E8L
Portland, OR 97207-1271

For individual dental members only

When can I see a dentist?

You may see a dentist at any time after your policy’s effective date however please read your policy documents carefully to ensure that you do not have a waiting period for the services you are seeking.

How do I find a dental provider?

Simply visit our Find a Provider page and search the LifeMap Dental Network. If you purchased a Managed Care plan through Willamette Dental Group, use the search option provided for them.

I elected to include the Vision Rider with my Individual Dental policy.  What is the vision benefit?

The vision benefit allows up to $150 of any vision services or hardware every two years from the policy anniversary date. Any charges at the time of service or purchase will be your responsibility. To file a claim submit your receipt and claim form showing charges and details. Once received and processed you will be reimbursed up to the $150 limit within the two year period. 

Note: the vision rider is not an available option in the state of Washington.

The Individual Reimbursement Form can be found here or call our office for a copy. Please remember to keep a copy for your records.

Where do I go for vision services?

If you have elected the vision rider on your Individual Dental Policy, you can seek vision care from any vision provider of your choice, LifeMap does not have any contracted vision service centers.

When is my payment due?

Any premiums due will coincide with the original effective date of your policy and will be either the 1st or 15th of each month.

What do I do if I don’t get a bill or why didn’t I get a bill?

Give us a call!  We can provide you your amount due over the phone, or we can send you a copy of the last bill issued.  You may also send in a check with your ID number and we will make sure the funds are posted to your account.

If you have chosen to have electronic drafting, we will not send a paper bill unless a draft is declined in which case you’ll receive a written notification from us.

There are a handful of things that may have happened to cause you to not receive your bill, so please don’t hesitate to give us a call so we can make sure we have all of your information up to date.

Phone: 1(800) 756-4105

How do I add or remove a dependent from my coverage?

Addition requests outside of your policy renewal date or after the 10 day right to examine will require a Qualified Life Event. Please contact our office regarding what a Qualified Life Event would be. 

Dependent addition requests coinciding with your policy renewal date not requiring a Qualified Life Event require:

  • A written request to be submitted at least 2 weeks prior to the date you would like the change to take place. 
  • Your request should include the dependent’s name, gender, social security number, date of birth, relationship to you, policy ID number and the date you would like the change to take place along with your full name and signature.  Requests may be made by mail, fax or email.

Please note, any addition to a policy will coincide with billing dates and is required to fulfill any applicable service waiting periods and coverage would begin at Level 1 benefits depending upon your policy provisions. 

Dependent removal requests require:

  • A written notice at least 2 weeks prior to the date you would like the change to take place. 
  • Your request should include the policy ID number, name of dependent to be removed and date you would like the change to take place. Requests may be made by mail, fax or email. 

Please note, any dependent removed from a policy will be required to fulfill any applicable reapplication waiting periods from removal date when applying for a new policy. Removal of a dependent will coincide with billing dates and no proration of premium is allowed.

Email: Support@LifeMapCo.com
Fax: 1(855) 207-1202
Mail to: 
LifeMap - Individual
PO Box 1271 MS E8L
Portland, OR 97207-1271

How do I get my policy documents?

It depends on how you submitted your application:

Mailed in application with check:  Your ID cards and policy documents will be mailed out.
Enrolled Online and paid by credit card:  All of you policy documents including a temporary ID card will be made immediately available on the confirmation screen.  If you were not able to print or save your documents, please contact our office to have them emailed to you.  Please note: your credit card will be charged upon your requested effective date.
Enrolled Online and paid by echeck: Policy documents will be mailed out. 

You are more than welcome to contact us and we can mail them again or send them to you in a secured email.

Can I access policy documents online?

In order to protect your privacy, policy documents are not available online at this time.  Please give us a call and we would be happy to mail you a copy of your documents, or send them via a secure email.

For individual Short Term Medical members only

How do I get my policy documents?

It depends on how you submitted your application:

  • Mailed in application with check: Your ID cards and policy documents will be mailed out.
  • Online application with Mail in check selection: ID cards and policy documents will be mailed out.
  • Enrolled Online and paid by credit card or e-check:
    • During the enrollment process you will have the option to Accept or Decline Electronic Communications.
      •  If you Accept; an email will be sent to you to access your Member Portal. Policy documents including your policy ID cards will be available from your member portal. 
      • If you Decline; Policy documents including policy ID cards will be mailed to the address provided during the application process.
      • You may revoke the Electronic Communications selection at any time by contacting our office.


You are welcome to contact us and we can resend your policy documents via mail or a secured email message.

Can I access policy documents online?

If you have selected Electronic Communications you may access your documents through the My Account portal. If you cannot access your account please contact our office to assist you in accessing your documents.


Please give us a call and we would be happy to mail you a copy of your documents, or send them via a secure email.

When can I see a doctor?

You may see a doctor at any time after your policy’s effective date. Please read your policy documents carefully for coverage exclusions, deductible information and claim payment information.

When is my payment due?

Depending upon your payment mode:

  • Onetime premium due will coincide with the original effective date of your policy.
  • Monthly premium due will coincide with the original effective date and be deducted on the same date each month.

Please refer to your Payment Schedule for further details. 

What do I do if I don't receive a bill or why I didn't get a bill?

The STM product does not send out billing notices. Depending upon selections made during enrollment premium is due with your application postmarked prior to the effective date or it will be deducted on the effective date of your policy.

Your payment schedule will state when your premium deductions will occur.

Will the Short Term Medical policy count for ACA coverage?

No, it will not. LifeMap’s Short Term Medical (STM) coverage is a great product for gaps in coverage;  whether you are between jobs, transitioning from a parent’s coverage, or transitioning between Affordable Care Act (ACA) plans.

However, LifeMap’s STM coverage does not meet the federally mandated requirement for health plan coverage under the ACA. 

Please note: short gaps of up to three months in mandated coverage are allowed without penalty under the ACA.

How do I add or remove a dependent from my coverage?

Dependent addition requests after the 10 day right to examine period will require a Qualified Life Event. Please contact our office regarding what a Qualified Life Event would be.

STM dependent removal can only be completed within the 10 day right to examine unless a Qualified Life Event has occurred. A written request is also required for removal of a dependent. Please contact our office for what a Qualified Life Event for dependent removal would be.