d. Unique aspects of the health contract
(1) Conditional
(2) Unilateral
(3) Adhesion
V. Wisconsin Health Insurance Law -- 3 Hours
A. General policy provisions
1. Right of return
2. Right of insurer to contest
3. Pre-existing conditions
4. Application responsibilities for accident and health
5. Grace periods
B. Mandated benefits
1. Handicapped children
2. Newborn children
3. Declined risks
4. Alcoholism, drug abuse, and mental and nervous disorders
5. Home health care
6. Skilled nursing care
7. Kidney disease treatment
8. Diabetes
9. Maternity benefits
10. Nurse practitioners
11. Optometrists
12. Chiropractic
13. Adopted children
14. Grandchildren
15. Mammograms
16. Lead screening
17. TMJ coverage
18. Hospital/anesthesia coverage for dental care
19. Breast reconstruction
C. Wisconsin Medicare supplements
D. Requirements of Medicare supplements
E. Special nursing home and long term care regulations for nursing home and long term care policies
F. Special provisions, sale of group or individual health to small employers
G. HIPAA (Health Insurance Portability and Accountability Act)
H. Continuation and conversion privileges
I. Cancer insurance and other dread disease
J. Marketing methods and practices
1. Advertising Company approval of advertising
2. Suitability
3. Outline of coverage
4. Policy replacement
5. Identification of insurer (advertiser)
6. Testimonials, endorsements, or commendations by third parties
7. Disparaging comparisons and statements
K. Health Insurance Risk-Sharing Plan (HIRSP)
