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609.01   Definitions.
609.03   Indication of operations.
609.05   Primary provider and referrals.
609.10   Standard plan and point-of-service option plan required.
609.17   Reports of disciplinary action.
609.20   Rules for preferred provider and defined network plans.
609.205   Public health emergency for COVID-19.
609.22   Access standards.
609.24   Continuity of care.
609.30   Provider disclosures.
609.32   Quality assurance.
609.34   Clinical decision-making; medical director.
609.35   Applicability of requirements to preferred provider plans.
609.36   Data systems and confidentiality.
609.38   Oversight.
609.60   Optometric coverage.
609.65   Coverage for court-ordered services for the mentally ill.
609.655   Coverage of certain services provided to dependent students.
609.70   Chiropractic coverage.
609.71   Disclosure of payments.
609.715   Coverage of alcoholism and other diseases.
609.717   Mental health services provided by a recovery charter school.
609.75   Adopted children coverage.
609.755   Coverage of dependents.
609.76   Coverage of student on medical leave.
609.77   Coverage of breast reconstruction.
609.78   Coverage of treatment for the correction of temporomandibular disorders.
609.79   Coverage of hospital and ambulatory surgery center charges and anesthetics for dental care.
609.80   Coverage of mammograms.
609.805   Coverage of contraceptives.
609.81   Coverage related to HIV infection.
609.82   Coverage without prior authorization for emergency medical condition treatment.
609.83   Coverage of drugs and devices.
609.837   Copayment equality for oral and injected chemotherapy.
609.84   Experimental treatment.
609.846   Discrimination based on COVID-19 prohibited.
609.85   Coverage of lead screening.
609.86   Coverage of hearing aids, cochlear implants, and related treatment for infants and children.
609.87   Coverage of treatment for autism spectrum disorders.
609.875   Coverage of colorectal cancer screening.
609.88   Coverage of immunizations.
609.885   Coverage of COVID-19 testing.
609.89   Written reason for coverage denial.
609.90   Restrictions related to domestic abuse.
609.91   Restrictions on recovering health care costs.
609.92   Hospitals, individual practice associations and providers of physician services.
609.925   Election to be subject to restrictions.
609.93   Scope of election by an individual practice association or clinic.
609.935   Notices of election and termination.
609.94   Summary of restrictions.
609.95   Minimum covered liabilities.
609.96   Initial capital and surplus requirements.
609.97   Compulsory and security surplus.
609.98   Special deposit.
Ch. 609 Cross-reference Cross-reference: See definitions in ss. 600.03 and 628.02.
Ch. 609 Cross-reference Cross-reference: See also ch. Ins 9, Wis. adm. code.
609.001 609.001 Joint ventures; legislative findings.
609.001(1)(1)The legislature finds that increased development of health maintenance organizations, preferred provider plans and limited service health organizations may have the effect of putting small, independent health care providers at a competitive disadvantage with larger health care providers. In order to avoid monopolistic situations and to provide competitive alternatives, it may be necessary for those small, independent health care providers to form joint ventures. The legislature finds that these joint ventures are a desirable means of health care cost containment to the extent that they increase the number of entities with which a health maintenance organization, preferred provider plan or limited service health organization may choose to contract and to the extent that the joint ventures do not violate state or federal antitrust laws.
609.001(2) (2)The legislature finds that competition in the health care market will be enhanced by allowing employers and organizations which otherwise act independently to join together in a manner consistent with the state and federal antitrust laws for the purpose of purchasing health care coverage for employees and members. These joint ventures will allow purchasers of health care coverage to obtain volume discounts when they negotiate with insurers and health care providers. These joint ventures should result in an improved business climate in this state because of reduced costs for health care coverage.
609.001 History History: 1985 a. 29.
609.01 609.01 Definitions. In this chapter:
609.01(1b) (1b)“Defined network plan" means a health benefit plan that requires an enrollee of the health benefit plan, or creates incentives, including financial incentives, for an enrollee of the health benefit plan, to use providers that are managed, owned, under contract with, or employed by the insurer offering the health benefit plan.
609.01(1c) (1c)“Emergency medical condition" has the meaning given in s. 632.85 (1) (a).
609.01(1d) (1d)“Enrollee" means, with respect to a defined network plan, preferred provider plan, or limited service health organization, a person who is entitled to receive health care services under the plan.
609.01(1g) (1g)
609.01(1g)(a)(a) Except as provided in par. (b), “health benefit plan" means any hospital or medical policy or certificate.
609.01(1g)(b) (b) “Health benefit plan" does not include any of the following:
609.01(1g)(b)1. 1. Coverage that is only accident or disability income insurance, or any combination of the 2 types.
609.01(1g)(b)2. 2. Coverage issued as a supplement to liability insurance.
609.01(1g)(b)3. 3. Liability insurance, including general liability insurance and automobile liability insurance.
609.01(1g)(b)4. 4. Worker's compensation or similar insurance.
609.01(1g)(b)5. 5. Automobile medical payment insurance.
609.01(1g)(b)6. 6. Credit-only insurance.
609.01(1g)(b)7. 7. Coverage for on-site medical clinics.
609.01(1g)(b)8. 8. Other similar insurance coverage, as specified in regulations issued by the federal department of health and human services, under which benefits for medical care are secondary or incidental to other insurance benefits.
609.01(1g)(b)9. 9. If provided under a separate policy, certificate or contract of insurance, or if otherwise not an integral part of the policy, certificate or contract of insurance: limited-scope dental or vision benefits; benefits for long-term care, nursing home care, home health care, community-based care, or any combination of those benefits; and such other similar, limited benefits as are specified in regulations issued by the federal department of health and human services under section 2791 of P.L. 104-191.
609.01(1g)(b)10. 10. Hospital indemnity or other fixed indemnity insurance or coverage only for a specified disease or illness, if all of the following apply:
609.01(1g)(b)10.a. a. The benefits are provided under a separate policy, certificate or contract of insurance.
609.01(1g)(b)10.b. b. There is no coordination between the provision of such benefits and any exclusion of benefits under any group health plan maintained by the same plan sponsor.
609.01(1g)(b)10.c. c. Such benefits are paid with respect to an event without regard to whether benefits are provided with respect to such an event under any group health plan maintained by the same plan sponsor.
609.01(1g)(b)11. 11. Other insurance exempted by rule of the commissioner.
609.01(1j) (1j)“Health care costs" means consideration for the provision of health care, including consideration for services, equipment, supplies and drugs.
609.01(1m) (1m)“Health care plan" has the meaning given under s. 628.36 (2) (a) 1.
609.01(2) (2)“Health maintenance organization" means a health care plan offered by an organization established under ch. 185 or 193, 611, 613 or 614 or issued a certificate of authority under ch. 618 that makes available to its enrollees, in consideration for predetermined periodic fixed payments, comprehensive health care services performed by providers participating in the plan.
609.01(3) (3)“Limited service health organization" means a health care plan offered by an organization established under ch. 185, 611, 613 or 614 or issued a certificate of authority under ch. 618 that makes available to its enrollees, in consideration for predetermined periodic fixed payments, a limited range of health care services performed by providers participating in the plan.
609.01(3m) (3m)“Participating" means, with respect to a physician or other provider, under contract with a defined network plan, preferred provider plan, or limited service health organization to provide health care services, items or supplies to enrollees of the defined network plan, preferred provider plan, or limited service health organization.
609.01(3r) (3r)“Physician" has the meaning given in s. 448.01 (5).
609.01(4) (4)“Preferred provider plan" means a health care plan offered by an organization established under ch. 185, 193, 611, 613, or 614 or issued a certificate of authority under ch. 618 that makes available to its enrollees, without referral and for consideration other than predetermined periodic fixed payments, coverage of either comprehensive health care services or a limited range of health care services, regardless of whether the health care services are performed by participating or nonparticipating providers.
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