Register November 2001 No. 551
Chapter Ins 9
DEFINED NETWORK PLANS
Subchapter I — Definitions
Subchapter II — Financial Standards for Health Maintenance Organizations or Limited Service Health Organizations
Ins 9.04 Financial requirements. Ins 9.06 Changes in the business plan. Ins 9.07 Copies of provider agreements. Ins 9.08 Other reporting requirements. Ins 9.09 Notice of election and termination of hold harmless. Ins 9.10 Receivables from affiliates. Ins 9.11 Receivables from Individual Practice Association (“IPA”). Ins 9.12 Incidental or immaterial indemnity business in health maintenance organizations. Ins 9.14 Nondomestic HMO. Subchapter III — Market Conduct Standards for Defined Network Plans, Preferred Provider Plans and Limited Service Health Organizations
Ins 9.21 Limited exemptions. Ins 9.25 Preferred provider plan same service provisions. Ins 9.26 Preferred provider plan subject to defined network plan regulations. Ins 9.27 Preferred provider plan requirements. Ins 9.30 Group and blanket health insurers compliance. Ins 9.31 Annual certification of access standards. Ins 9.32 Defined network plan requirements. Ins 9.33 Enrollee election of nonparticipating provider reimbursement. Ins 9.35 Continuity of care. Ins 9.37 Notice requirements. Ins 9.38 Policy and certificate language requirements. Ins 9.40 Required quality assurance and remedial action plans. Ins 9.41 Right of the commissioner to request OCI complaints be handled as grievances. Ins 9.42 Compliance program requirements. Ch. Ins 9 NoteNote: The revisions to ch. Ins 9 that are effective March 1, 2006, apply to newly issued policies or certificates of insurance on or after January 1, 2007, and to policies renewed on or after January 1, 2008. Ins 9.01Ins 9.01 Definitions. In this chapter, and for the purposes of applying ch. 609, Stats.: Ins 9.01(1)(1) “Acceptable letter of credit” means a clean, unconditional, irrevocable letter of credit issued by a Wisconsin bank or any other financial institution acceptable to the commissioner which renews on an annual basis for a 3–year term unless written notice of nonrenewal is given to the commissioner and the limited service health organization at least 60 days prior to the renewal date. Ins 9.01(2)(2) “Commissioner” means the “commissioner of insurance” of this state or the commissioner’s designee. Ins 9.01(3)(3) “Complaint” means any expression of dissatisfaction expressed to an insurer by an enrollee, or an enrollee’s authorized representative, about the insurer or its participating providers. Ins 9.01(3m)(3m) “Defined network plan” has the meaning provided under s. 609.01 (1b), Stats., and includes Medicare select policies and certificates, as defined in s. Ins 3.39 (3) (vm) and (ve), respectively, and health benefit plans that contract for use of participating providers. Ins 9.01(4)(4) “Expedited grievance” means a grievance where the standard resolution process may include any of the following: Ins 9.01(4)(a)(a) Serious jeopardy to the life or health of the enrollee or the ability of the enrollee to regain maximum function. Ins 9.01(4)(b)(b) 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 grievance. Ins 9.01(4)(c)(c) It is determined to be an expedited grievance by a physician with knowledge of the enrollee’s medical condition. Ins 9.01(5)(5) “Grievance” means any dissatisfaction with the provision of services or claims practices of an insurer offering a defined network plan, preferred provider plan or limited service health organization, or administration of a defined network, preferred provider plan or limited service health organization, that is expressed to the insurer by, or on behalf of, an enrollee. Ins 9.01(7)(7) “HMO” or “health maintenance organization” means a health care plan as defined in s. 609.01 (2), Stats. Ins 9.01(9)(9) “Hospital emergency facility” means any hospital facility that offers services for emergency medical conditions as described in s. 632.85 (1) (a), Stats., within its capability to do so and in accordance with s. DHS 124.24, or the licensure requirements of the jurisdiction in which the hospital resides. Ins 9.01(9m)(9m) “Intermediate entity” means a provider network, a provider association, a provider leasing arrangement or other similar entity that contracts with providers for the rendering of health care services, items or supplies to enrollees of a defined network plan, preferred provider plan or limited service health organization and also contracts with the insurer offering a defined network plan, preferred provider plan or limited service health organization. Ins 9.01(11)(11) “Limited service health organization” means a health care plan as defined in s. 609.01 (3), Stats. Ins 9.01(13)(13) “OCI complaint” means any written complaint received by the office of the commissioner of insurance by, or on behalf of, an enrollee of an insurer offering a defined network plan, preferred provider plan or limited service health organization. Ins 9.01(14)(14) “Office” means the “office of the commissioner of insurance.” Ins 9.01(14m)(14m) “Participating” has the meaning provided under s. 609.01 (3m), Stats., and includes a provider as being under contract with the insurer when the provider is under contract with an intermediate entity. Ins 9.01(17)(17) “Silent provider network” means one or more participating providers that provide services covered under a defined network plan where all of the following apply:
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