This rulemaking establishes general principles for insurers to allocate covered procedures and services to the categories in ORS 743.874 for in-network procedures and services and the categories in ORS 743.876 for out-of-network procedures and services so that the insurer will be able to provide a reasonable estimate of an enrollee’s share of costs for a procedure or service according to the legislation. The rules also provide for combined estimates, when two or more procedures or services will be performed, and requires that an estimate state whether it applies only to the costs specifically relating to the procedure or service alone or applies to an episode of care that includes the procedure or service.  The rules also give guidance for insurers to make instructions available to consumers for obtaining estimates and benefit information under the legislation and specify data that insurers must report, to enable the Department to assess the effect of the disclosure requirements under ORS 743.874, 743.876 and 743.878.