Ga. Comp. R. & Regs. R. 120-2-101-.05 - Policy Form and Rate Submissions in SERFF
(1) Insurers are required to submit all
proposed form and rate filings in the SERFF filing system for advance
approval.
(2) Insurers shall pay
all appropriate policy form and rate filing fees, as normally
required.
(3) Insurers shall mark
such SERFF policy form and rate filings in cover letter materials as child-only
coverage and prominently reference "child-only" in appropriate descriptions to
ensure the recognition and timely attention necessary for compliance with these
product offering requirements.
(4)
Insurers should include specialized child-only application and enrollment forms
with policy form and rate filings. Such applications should make appropriate
provisions for parent or guardian authorization and completion of applicant
identifying and other relevant information by parent or guardian on behalf of
any minor applicant.
(a) Applications shall
include a prominent disclosure about the 2013 duration of this child-only
Georgia coverage program. Such application disclosures should reference
evidence of coverage material provisions as to term and termination of the
program as provided in O.C.G.A. ยง33-29B-8.
(b) The Commissioner may approve a
modification of previously approved forms, provided the changes are clearly
marked on the documents submitted to the Commissioner and are consistent with
the provisions of this regulation.
(5) Policy form filed materials should make
appropriate reference to the temporary nature of the 2013 child-only Georgia
individual health coverage program. Insurers should pay specific attention to
and address the following issues:
(a)
Enrollment;
(b) Special
Enrollment;
(c) Limited coverage
term of policy during 2013;
(d)
Provisions regarding termination not prejudicing any existing claim and
providing a reasonable proposed extension of benefits for covered persons
disabled at the end of term of coverage;
(e) Disclosure about lack of renewability (if
applicable); and
(f) Any provisions
about transition to other insurance after 2013 (if applicable).
The items above are appropriate provisions to include in proposed policy materials, endorsements and other parts of the individual health coverage contract for this program.
(6) Specimen Notices as required in O.C.G.A.
33-29B-6 regarding open enrollment opportunity, open enrollment dates,
qualifying event references and the proposed plan to display these on the
insurer's website should be submitted as part of the policy form and rate
filings.
Notes
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