Ins 3.651 Note
Note:
If, on March 1, 1994, an insurer has a contract with a health care provider that governs the form and content of remittance advice forms, s.
Ins 3.651 (3), as affected March 1, 1994, first applies to the insurer on the date the contract is renewed, but no later than December 31, 1994.
Ins 3.651(4)(a)
(a) The explanation of benefits form for insureds shall include, at a minimum, all of the following:
Ins 3.651(4)(a)1.
1. The insurer's name and address and the telephone number of the section of the insurer designated to handle questions and appeals from insureds relating to payments.
Ins 3.651(4)(a)2.
2. The insured's name, address and policy number, certificate number or both.
Ins 3.651(4)(a)3.
3. A statement as to whether payment accompanies the form, payment has been made to the health care provider or payment has been denied.
Ins 3.651(4)(a)4.
4. The last name followed by the first name and middle initial of each patient insured under the policy or certificate for whom claim information is being reported, and the patient account number, if it has been supplied by the health care provider.
Ins 3.651(4)(a)5.
5. For each patient listed, all of the following that are applicable, using a single line for each procedure or service:
Ins 3.651(4)(a)5.d.
d. The amount charged by the health care provider if the insured may be liable for any of the difference between the amount charged and the amount allowed by the insurer.
Ins 3.651(4)(a)5.e.
e. The amount allowed by the insurer. An insurer may modify this requirement if necessary to provide information relating to supplemental insurance.
Ins 3.651(4)(a)5.f.
f. Each claim adjustment reason code, unless the claim is for a dental procedure for which there is no applicable code, in which case the insurer shall provide an appropriate narrative explanation as a replacement for the information required under subd.
7. Ins 3.651(4)(a)6.
6. A general description of each procedure performed or service provided.
Ins 3.651(4)(a)7.
7. A narrative explanation of each claim adjustment reason code. An insurer may provide information in addition to the narrative accompanying the code on form OCI 17-007.
Ins 3.651(4)(b)
(b) Unless requested by the insured, an insurer is not required to provide an explanation of benefits if the insured has no liability for payment for any procedure or service, or is liable only for a fixed dollar copayment which is payable at the time the procedure or service is provided.
Ins 3.651(5)
(5)
Claim adjustment reason codes; use. The office shall prepare updated claim adjustment reason code forms at least semiannually and shall notify insurers of their availability. In preparing remittance advice and explanation of benefits forms, an insurer shall use the claim adjustment reason codes provided by the office of the commissioner of insurance by no later than the first day of the 4th month beginning after being notified that an updated list of codes is available.
Ins 3.651 History
History: Cr.
Register, August, 1993, No. 452, eff. 9-1-93; emer. r. and recr. (3) and (5), renum. (4) (a) 5. b., c. and 8. to 11. to be (4) (a) 5. c., b. and 8. a. to d., am. (4) (a) 6. and 7., cr. (4) (a) 8. (intro.), eff. 10-1-93; r. and recr. (3) and (5), renum. (4) (a) 5. b., c. and 8. to 11. to be (4) (a) 5. c., b. and 8. a. to d., am. (4) (a) 6. and 7., cr. (4) (a) 8. (intro.),
Register, February, 1994, No. 458, eff. 3-1-94.
Ins 3.67
Ins 3.67
Benefit appeals under certain policies. Ins 3.67(1)(am)
(am) “Expedited request" means a request where the standard resolution process may include any of the following:
Ins 3.67(1)(am)1.
1. Serious jeopardy to the life or health of the enrollee or the ability of the enrollee to regain maximum function.
Ins 3.67(1)(am)2.
2. In the opinion of a physician with knowledge of the enrollee's medical condition, would subject the enrollee to severe pain that cannot be adequately managed without the care or treatment that is the subject of the request.
Ins 3.67(1)(am)3.
3. Is determined to be an expedited request by a physician with knowledge of the enrollee's medical condition.
Ins 3.67(1)(b)
(b) “Grievance" means any dissatisfaction with the provision of services or claims practices of an insurer offering a defined network plan, limited service health organization or preferred provider plan or administration of a defined network plan, limited service health organization or preferred provider plan by the insurer that is expressed in writing to the insurer by, or on behalf of, an enrollee.
Ins 3.67(1)(c)
(c) “Health care plan" has the meaning provided under s.
628.36 (2) (a) 1., Stats., including fixed indemnity and specified disease insurance but does not include coverage ancillary to property and casualty insurance and Medicare + Choice plans.
Ins 3.67(2)
(2)
Drugs and devices. A health care plan or self-insured plan that provides coverage of only certain specified prescription drugs or devices shall develop a process through which an enrollee's physician may present medical evidence to obtain an individual patient exception for coverage of a prescription drug or device.
Ins 3.67(3)(a)
(a) Any coverage limitations for experimental treatment shall be defined and clearly disclosed in every policy issued by a health care plan or self-insured plan in accordance with s.
632.855 (2), Stats.
Ins 3.67(3)(b)
(b) A health care plan or self-insured plan that limits coverage for experimental treatment shall have an internal procedure consistent with s.
632.855 (3), Stats., including issuing a written coverage decision within 5 business days of receipt of the request.
Ins 3.67(4)
(4)
Appeal procedure. The procedure for defined network plan enrollees to appeal a decision under subs.
(2) and
(3) is delineated under s.
Ins 18.03. For other health care plans, the appeal procedure established under this section shall include all of the following:
Ins 3.67(4)(a)
(a) The opportunity for the policyholder or certificate holder, or an authorized representative of the policyholder or certificate holder, to submit a written request, which may be in any form and which may include supporting material, for review by the insurer of the denial of any benefits under the policy.
Ins 3.67(4)(b)
(b) If an insurer denies any benefit under sub.
(2) or
(3), the insurer shall, at the time the insurer gives notice of the denial of benefits, provide the policyholder with a written description of the appeal process.
Ins 3.67(4)(c)
(c) The health care plan or self-insured plan shall acknowledge, in writing, a request for review of coverage under sub.
(2), within 5 business days of receiving it.
Ins 3.67(4)(d)
(d) Within 30 calendar days after receiving the request under sub.
(2) or
(3), the health care plan or self-insured plan shall provide the disposition of the review and notify the person who submitted the request for review of the results of the review.
Ins 3.67(4)(e)
(e) A process to resolve an expedited request for review as expeditiously as the health condition requires but not to exceed 72 hours from the receipt of a substantially completed request under sub.
(2) or
(3).
Ins 3.67(4)(f)
(f) An insurer shall describe the procedure established under this subsection in every policy, group certificate and outline of coverage issued in connection with a health care plan.
Ins 3.67(4)(g)
(g) Each insurer offering a health care plan shall keep together, at its home or principal office, all records of appeals under this subsection. The insurer shall make these records available for review during examinations or at the request of the commissioner.
Ins 3.67 History
History: Cr.
Register, February, 2000, No. 530, eff. 3-1-00; correction in (1) (e) made under s. 13.93 (2m) (b) 7., Stats.,
Register December 2002 No. 564; correction in (4) made under s. 13.93 (2m) (b) 7., Stats.,
Register April 2003 No. 568;
CR 05-059: renum. (1) (a) and (e) to be (1) (am) and (a), am. (1) (a) and (b) and (4) (intro.)
Register February 2006 No. 602, eff. 3-1-06.
Ins 3.75
Ins 3.75
Continuation of discontinued employer provided health group policy coverage for employees and their dependents. Ins 3.75(1)(1)
Purpose. The purpose of this section is to allow assistance eligible individuals to elect continued coverage provided under s.
632.897, Stats., in circumstances where the group policy is discontinued on or after June 30, 2009, and not replaced. The rule applies only to individuals who are eligible for a premium subsidy under the federal American Recovery and Reinvestment Act of 2009 P.L.
111-5, as amended. The federal act makes the premium subsidy available to those individuals who are eligible due to an involuntary employment termination prior to June 1, 2010.
Ins 3.75(2)(a)
(a) “Assistance eligible individual" has the meaning provided in section 3001 (a) (3) of the federal act.
Ins 3.75(2)(b)
(b) “Federal act" means the American Recovery and Reinvestment Act of 2009, P.L.
111-5, as amended by section 1010 of the federal department of defense appropriations act, 2010 (P.L.111-118), the temporary extension act of 2010 (P.L.
111-144) and the continuing extension act of 2010 (P.L.
111-157).
Ins 3.75(2)(c)
(c) “Terminated insured" means a
n insured under s.
632.897 (1) (f) and
(2) (b) 2., Stats., whose employment has been involuntarily terminated on or after September 1, 2008, and prior to June 1, 2010, who has been continuously covered under a group policy for at least 3 months and who satisfies one of the following:
Ins 3.75(2)(c)1.
1. Would be entitled to elect continued coverage under s.
632.897, Stats., but for the fact that the group policy was discontinued on or after June 30, 2009, and not replaced by another group policy offered by the employer during the terminated insured's 30-day election period under s.
632.897 (3) (a), Stats.
Ins 3.75(2)(c)2.
2. Is receiving, on behalf of themselves and, if applicable, a spouse or dependents, continued coverage under s.
632.897, Stats., due to an involuntary termination of employment that occurred on or after September 1, 2008, but prior to June 1, 2010, and, on or after June 30, 2009, the group policy is discontinued and not replaced by a group policy offered by the employer.
Ins 3.75(3)
(3)
Additional continuation coverage election opportunity for assistance eligible individuals when an employer discontinues and does not replace group policy coverage. Ins 3.75(3)(a)(a) Except as provided in pars.
(c) and
(d), an insurer shall permit a terminated insured to elect continuation of coverage under the terms of an employer's group policy if the group policy is discontinued on or after June 30, 2009.
Ins 3.75(3)(b)
(b) An insurer shall permit a terminated insured to elect continuation of coverage on behalf of themselves and the terminated insured's spouse and dependents if the spouse or dependents were covered under the group policy at the time the group policy was discontinued.
Ins 3.75(3)(c)
(c) An insurer may limit continuation of coverage under this section to individuals who are under the federal act who are assistance eligible individuals.
Ins 3.75(3)(d)
(d) This section does not require continuation of coverage if the individual satisfies all of the following:
Ins 3.75(3)(d)3.
3. Becomes eligible for similar coverage under another employer's group policy or for benefits under title XVIII of the Social Security Act.
Ins 3.75(3)(d)4.
4. Ceases to be eligible for premium assistance under section 3001 (a) (2) of the federal act.
Ins 3.75(3)(d)5.
5. The individual's eligibility for continued coverage would have otherwise ceased under s.
632.897, Stats., if the group policy had not been discontinued.
Ins 3.75(3)(e)
(e) Coverage under this section, if elected under par.
(a), shall continue uninterrupted from the date of the employer's discontinuance of the group policy. An insurer is not required to continue coverage for a period covered by a conversion policy issued under s.
632.897, Stats., for the period prior to the date of election of continuation coverage.
Ins 3.75(3)(f)
(f) An insurer shall provide a right to an individual conversion policy on termination of continuation of coverage under this section if the terminated insured tenders the first premium within 30 days after the continued coverage terminates. The insurer shall either include notice of this right and a description of how to make payment of premium in the notice required under sub.
(4) (b) or shall provide notice prior to termination of the continuation coverage. The conversion policy shall conform to the requirements of s.
632.897 (4), Stats. An insurer is not required to issue a conversion policy under this paragraph if issuance of an individual conversion policy is not required under the standards established in s.
632.897 (4) (d), Stats.
Ins 3.75(4)(a)(a) An employer shall provide written notice in the form required by par.
(b) to each terminated insured prior to the date of discontinuance of the group policy. An employer or insurer is not required to give notice to a terminated insured who is not, or who is not entitled to elect coverage for, an assistance eligible individual.
Ins 3.75(4)(b)
(b) The notice required under this subsection shall include a description of the discontinuance of the group policy; the right to continuation under sub.
(3) (a) and
(b); an explanation of the procedure for electing continued coverage; the payment amounts required for continuation coverage; and the manner, place, and time in which the payments shall be paid. The notice shall also include a description of the premium subsidy, the notice required under section 3001 (a) (7) of the federal act, and a description of when the continuation coverage will discontinue, including a description of discontinuance under sub.
(3) (d) 4. Ins 3.75(4)(c)
(c) If an employer that is required to provide the notice as required under pars.
(a) and
(b) fails to provide the notice within the time required, the insurer shall provide the notice specified in par.
(b) within 10 days after the date the insurer acquires knowledge the employer has not provided the notice or the date the insurer exercising due diligence should know that the employer has not provided the notice.
Ins 3.75(4)(d)
(d) Insurance intermediaries shall provide reasonable assistance to insurers by notifying employers of the requirement to provide notice under this subsection and by making reasonable efforts to assist insurers in determining whether the employer complies and, if not, by making reasonable efforts to assist the insurer in giving notice.
Ins 3.75(4)(e)
(e) A terminated insured may elect continuation of coverage by electing continuation coverage and paying the premium due under sub.
(5) (a) to either the employer or the insurer, as directed by the notice required under par.
(b), within 30 days after notice is given as required under par.
(a) or
(c).
Ins 3.75(5)(a)(a) The insurer may charge for coverage continued under this section an amount no more than 100% of the cost the employer incurred for providing the group policy coverage, including group rate adjustments on the date the group policy would have renewed that are based on applying rating factors to group changes that occurred prior to the discontinuance of the group policy. The employer or insurer shall collect only 35% of that amount from the terminated insured. The insurer may collect any premium subsidy available under the federal act.
Ins 3.75(5)(b)
(b) An insurer may require payment of premium for all required continuation coverage periods, including for periods prior to the date of election.
Ins 3.75(5)(c)
(c) An employer, if requested by the insurer, shall collect and remit to the insurer premium due under this section. An insurer may require the employer to collect and remit premium due from a terminated insured, spouse, or dependent under this section. An insurer may not condition continuation of coverage on the employer collection and remittance of premium. An insurer shall treat payment by a terminated insured, spouse, or dependent to the employer as receipt and payment to the insurer unless the insurer directs that payment be made to the insurer. An insurer may direct a terminated insured, spouse, or dependent to pay the premium to either the employer or to the insurer, including by direction in the notice under sub.
(4) (b).
Ins 3.75(5)(d)
(d) An employer must notify an insurer when the employer discontinues a group policy and does not replace the group policy. An insurer may require the employer to give it notice when it discontinues a group policy and does not replace the group policy. An insurer may not condition continuation of coverage under this section on employer notice of such discontinuance.
Ins 3.75(6)
(6)
Portability. For an individual who elects continuation of coverage under this section, the period, if any, from the date of the termination of the individual's group policy coverage to the commencement of continuation of coverage under this section shall be disregarded for the purpose of determining the 63-day period under s.
632.746 (3) (b), Stats.
Ins 3.75(7)
(7)
Contract terms preserved. An insurer may restrict coverage provided under this section to the terms of the group policy to the extent the terms do not conflict with this section. Nothing in this section prohibits an insurer from applying deductibles and other cost sharing according to the terms of the group policy, including according to policy periods based on renewal dates that would have occurred had the policy not been discontinued. An insurer may apply policy modifications that were included in notice given to the employer under s.
631.36, Stats., or requested by the employer, that took effect or would have taken effect prior to or on the date of the discontinuance of the policy. An insurer may include provisions for administration of this section in its group policy and certificates.
Ins 3.75(8)
(8)
Extended premium payment right, coverage, and notice pursuant to section 1010 of the federal department of defense appropriations act, 2010. An insurer must provide the rights provided by, and must comply with the provisions of, section 1010 (c) of the federal department of defense appropriation act, 2010 (P.L.111-118), for assistance eligible individuals who are or were eligible for coverage under this section or s.
632.897, Stats., including:
Ins 3.75(8)(a)
(a) The rules relating to 2009 extension, including the right to elect to pay premiums retroactively and maintain coverage under this section or s.
632.897, Stats.
Ins 3.75(8)(b)
(b) The rules relating to notification as provided under section 1010 (c) of the federal department of defense appropriation act, 2010 (P.L.111-118), as amended.
Ins 3.75 History
History: EmR0925: emerg. cr., eff. 10-2-09;
EmR0945: emerg. am. (2) (c), cr. (8), eff. 1-7-10;
CR 09-096 and
CR 10-038: cr.
Register December 2010 No. 660, eff. 1-1-11; correction in (7) made under s.
13.92 (4) (b) 7., Stats.,
Register December 2010 No. 660;
CR 17-015: am. (6)
Register December 2017 No. 744, eff. 1-1-18.
