Wisconsin Legislature: Ins 8.49 Text

Ins 8.49(4)(a)(a) Small employer insurers shall either state the premium to the small employer within 10 business days from receipt of all pertinent information required for its underwriting of the small employer’s application for group health insurance, including completed uniform employee applications, or deny the application in accordance with s. 635.18 (6), Stats.

Ins 8.49(4)(b)(b) Small employer insurers shall make a reasonable effort to promptly obtain information it determines is necessary to make an underwriting decision including the information described in par. (a).

Ins 8.49 HistoryHistory: CR 03-055: cr. Register April 2004 No. 580, eff. 5-1-04.

APPENDIX 1

Employee Name_______________________

This form is designed for an employer’s initial application for coverage. Please contact your agent or the insurer to determine if this form should be used in other situations once the group is enrolled with the insurer.

Employer Name _________________________________ Group Number ______________ Division Number ____________

Employee Class _________________

Total number of permanent employees who have a normal work week of 30 or more hours _________

Names of Insurers to whom information may be released:

Insurer: __________________________________________ Insurer: _____________________________________________

Employee Instructions: Please print using black or blue ink. Please fill out the entire application for each person for whom coverage is being sought.

Employee’s First Name, Middle Initial and Last Name: ___________________________________________________________

Social Security No.: __________________ Birth Date: _________________ Sex: _______ Height and Weight:_____________

Street or Post Office Address: ______________________________________________________________________________

City: _______________________________ County:____________________ State: ___________________Zip: ____________

Home Phone: __________________Work Phone: _________________ Email: _____________________ [ ] Home [ ] Work

1. For your current employer: What was your first day of employment? ____/____/____

How many hours, on average, do you work each week? ______

2. Are You:

a) [ ] Single [ ] Married [ ] Legally Separated [ ] Divorced [ ] Widow or Widower

If you are married, legally separated, divorced or widowed, please indicate the date that the event occurred: __________

If you are married, please indicate the county and state, or country in which you were married: _____________________

If you are married, please indicate your former or maiden name: __________________________________

b) A Retiree? [ ] Yes [ ] No

c) On COBRA or State Continuation? [ ] Yes [ ] No

If “Yes,” provide start date and reason: _________________________________________________________________

Please select the type of health insurance coverage for which you are applying:

[ ] Employee Only [ ] Employee and Spouse [ ] Employee and Dependent Child(ren) [ ] Employee, Spouse and Dependent Child(ren)

a) List all dependents, spouse and child(ren) applying for insurance. If you need additional space, please use a separate sheet of paper and attach it to this application (please sign and date the additional sheet).

b) Does the dependent child(ren) named within this application live with you at the address shown above? [ ] Yes [ ] No

If “No,” please list the dependent child(ren)’s name and address(es):

______________________________________________________________________________________________________

c) If there is a stipulation in a legal decree or court order stating who is responsible for providing health insurance of the named dependent child(ren), please indicate name of the person who has primary custody of the dependent child(ren) and the name of the responsible person for health insurance:

______________________________________________________________________________________________________

Please answer the following questions to the best of your knowledge. On the next page, please provide the complete details if you answer “Yes” to any of the questions below. The date that this application is signed is the date that you should use when answering questions that request you to provide prior history for various periods of time. The health insurance company does not use or collect genetic information for any underwriting purpose. Genetic information includes information related to genetic tests, genetic counseling, and any family history of a disease or disorder. Any such information should not be included on an application or communicated to the insurance company in any manner. Any genetic information that may be obtained will not be used for underwriting of health coverage. You are required to promptly notify your employer so that you may provide updated information to the small employer insurer(s) of any changes or developments in your, your spouse’s or your dependent child(ren)’s health history that occur prior to your employer’s notifying you that there has been an insurer’s underwriting decision regarding this application.

A. Are you, your spouse or any dependent child(ren) (even if not listed on the application) currently pregnant or an expectant parent? (If “Yes,” due date is __________________) [ ] Yes [ ] No

B. Has anyone named in this application been treated or diagnosed by a medical professional as having Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC)? [ ] Yes [ ] No

C. Has anyone named in this application used tobacco or smokeless tobacco during the past 12 months? [ ] Yes [ ] No

If “Yes,” provide information as requested regarding the product, duration and frequency of use in section H below.

D. In the past 5 years has anyone named in this application been evaluated or treated for alcoholism or chemical dependency; or joined any organization for alcoholism or chemical dependency; or used illegal drugs or been advised by a health care professional to reduce the use of alcohol or illegal drugs? [ ] Yes [ ] No

E. Is anyone named in this application now disabled, mentally incompetent or unable to perform normal work or age-related activities? [ ] Yes [ ] No

If “Yes,” please identify name(s), health condition(s), date(s) of disability and name(s) and address(es) of the attending physician(s):

______________________________________________________________________________________________________

F. Within the past 10 years, has anyone named in this application been counseled, consulted or treated for any of the following (please check all conditions that apply):

G. Within the last 5 years, has anyone named in this application to be covered by this insurance had any other injury, illness or treatment for any condition not already listed; been hospitalized or been scheduled for hospitalization; had surgery or had surgery scheduled; had a test or a test scheduled; or been recommended to have a test or surgery which was not performed for any reason not already mentioned in this application? We are not seeking the results of HIV Antibody test. [ ] Yes [ ] No

H. In the space below please list and provide the complete details if you answered “Yes” above to any of the questions or conditions contained in sections A through F. (Attach additional pages as needed and sign the additional pages.)

I. If anyone named in this application is taking medication or has had prescribed or recommended any medication during the period of time related to your answer (i.e. past 5 years, past 10 years, or currently taking), please list all those medications, dosages, and what medical condition is being treated or were treated by each medication in the space provided below. (Attach additional pages as needed and sign the additional pages.)

I understand that I am eligible to apply for group health insurance through my employer. I do NOT want, and hereby waive, group health insurance for (check the box that applies):

[ ] Waiving for myself [ ] Waiving for my spouse [ ] Waiving for my dependent child(ren)

[ ] Waiving for me, my spouse and my dependent child(ren)

I am waiving group health insurance because (check all that apply):

[ ] I, the employee, am covered or will be covered under another plan that is not sponsored by my employer. I am not enrolled for coverage under the Health Insurance Risk-Sharing Plan (HIRSP). If currently covered, please attach a copy of your identification card for that plan.

[ ] I, the employee, do not have a risk characteristic or other attribute that would be the sole cause for the small employer insurer to make a decision with respect to premiums or eligibility for a policy that is adverse to the small employer.

[ ] My spouse is covered or will be covered under another plan that is not sponsored by this employer. My spouse is not enrolled for coverage under the Health Insurance Risk-Sharing Plan (HIRSP). If currently covered, please attach a copy of your spouse’s identification card for that plan.

[ ] My dependent child(ren) is covered or will be covered under another plan that is not sponsored by my employer. My dependent child(ren) is not enrolled for coverage under the Health Insurance Risk Sharing Plan (HIRSP). If currently covered, please attach your identification card for that plan. Please list, below, the name(s) of the child(ren) for whom coverage is being waived.

[ ] I am not enrolled under the Health Insurance Risk-Sharing Plan (HIRSP) and the annualized premium contribution to be paid by me on behalf of myself or my dependent spouse and child(ren) would exceed 10% of my annualized gross earnings from this employer.

[ ] Other reason (Please provide a written reason for waiving coverage):

____________________________________________________________________________________________________

WAIVER: I certify that I have been given the opportunity to apply for group health insurance and decline to enroll as indicated above, on behalf of myself, my spouse and my dependent child(ren). I understand that by signing this waiver, I, my spouse, and my dependent child(ren) forfeit the right to coverage. I was not pressured, forced or unfairly induced by my employer, the agent or the insurer(s) into waiving or declining the group health insurance. If in the future I apply for coverage, I, my spouse, or any of my dependent child(ren) may be treated as a late enrollee and subject to postponement or an exclusion of coverage for preexisting conditions for a period of up to 18 months. This period may be offset by the time I, my spouse or my dependent child(ren) was covered under a qualified health plan.

I understand that if I am declining enrollment for myself, my spouse, or my dependent child(ren) because of other health insurance coverage, including Medicaid, I may in the future be able to enroll myself, my spouse, or my dependent child(ren) in this plan, provided that I request enrollment within 30 days after my other health coverage ends or 60 days after Medicaid ends. In addition, if I gain a dependent spouse or child(ren) as a result of marriage, birth, adoption, or placement for adoption, I understand that I may be able to enroll myself, my spouse and my dependent child(ren), provided that I request enrollment within 30 days after the marriage, birth, adoption or placement for adoption. If I am declining enrollment for myself, my spouse or my dependent child(ren) because of coverage under Medicaid, I understand that if I, my spouse or my dependent child(ren) become eligible for group health plan premium assistance under Medicaid, I may be able to enroll myself, my spouse or my dependent child(ren), provided I request enrollment within 60 days of initial eligibility for the premium assistance. I understand that I can obtain enrollment information from my employer or small employer group health insurance carrier.

Signature of Employee: ______________________________________________ Date Signed: ____________________________

If you need to complete this section for more than one person, please use a separate sheet of paper and attach it to this application (please sign and date the additional sheet).

Are you, your spouse or your child(ren) covered by Medicare Part A? [ ] Yes [ ] No Medicare Part B? [ ] Yes [ ] No
Medicare Part D [ ] Yes [ ] No

Name of person covered by Medicare: ____________________________________

If “Yes,” reason for Medicare: [ ] Over Age 65 [ ] Disability [ ] End-Stage Renal Disease (ESRD) [ ] Disability and ESRD

Medicare Part A Effective Date: _________________ Medicare Part B Effective Date ___________________

Medicare Part C (Medicare Advantage) Effective Date: _________________ Medicare Part D Effective Date: __________________

The information you provide about your other individual or group health insurance coverage (either prior or current) is necessary to determine whether you will have any waiting periods for preexisting conditions under the group health insurance plan under which you are applying for coverage. Your information will also help the small employer insurer(s) to coordinate benefits with any other group health coverage you may have. By providing this information you are not reducing your group health insurance for which you are applying.

If “Yes,” please complete the following table and attach a copy of the Certificates of Creditable Coverage for each person.

Starting with you, the employee, identify each person applying for insurance and include information for all current and previous health insurance coverage(s) in effect during the last 18 months.

Type of Coverage Key: G = Group Comprehensive Major Medical; I = Individual Comprehensive Major Medical;

M = Medicare Supplement; D = Drug Coverage Only; H = Hospital Coverage Only; V = Vision Coverage Only

This section should be completed only if the small employer group insurance for which you are applying requires the selection of a network, primary care provider or clinic. If applicable, it should also be used to select the product options offered by the employer or insurer. With respect to the provider or network selection, a selection should be made for each individual applying for such coverage and for each insurer from which insurance coverage is being sought. The provider numbers may be listed in the provider materials (i.e., directory) that are supplied by each insurer to your employer. The provider numbers for the same provider may not be the same for different insurers or products. Use additional sheets if necessary.

Insurer: ____________________________________________________________

Product Type: _______________________________________________________

Coinsurance Option: _______________ Deductible Option: _______________ Copayment Option: _______________

Selected Provider is for (choose only one): [ ] Health Insurance [ ] Dental Insurance [ ] Other ________________________

Insurer: ____________________________________________________________

Product Type: _______________________________________________________

Coinsurance Option: _______________ Deductible Option: _______________ Copayment Option: _______________

Selected Provider is for (choose only one): [ ] Health Insurance [ ] Dental Insurance [ ] Other _________________________

Availability of coverage is determined by your employer and whether the coverage is approved for issuance by the insurer(s).

Please list the insurer(s) below from whom you are applying for coverage and check all benefits for which you are applying.

If you have been given a choice of plans to apply for, or if the coverage you are applying for requires the selection of a primary care provider/clinic/network, please complete the section entitled “Provider and/or Product Selection.”