Idaho Admin. Code r. 18.04.13.082 - GENERAL MINIMUM STANDARDS
An insurance
01.
Outline of Coverage. An
insurer will deliver an outline of coverage to an applicant or enrollee with
the sale, which complies with the model outline of coverage established by the
National Association of Insurance Commissioners ("NAIC"), incorporated herein
in Section 002. (3-31-22)
a. If an outline of coverage was delivered at
the time of application or enrollment and the policy is issued on a basis which
would require revision of the outline, a substitute outline of coverage
properly describing the policy will accompany the policy when it is delivered
and contain the following statement in no less than twelve (12) point type,
immediately above the company name: "NOTICE: Read this outline of coverage
carefully. It is not identical to the outline of coverage provided upon
(application) (enrollment), and the coverage originally applied for has not
been issued." (3-31-22)
b. In any
case where the prescribed outline of coverage is inappropriate for the coverage
provided by the policy , an alternate outline of coverage is to be submitted to
the Director for prior written approval. (3-31-22)
02.
Coverage of Dependents. A
policy will consider as an eligible dependent a child who is chiefly dependent
on the insured for support and maintenance and who is incapable of
self-sustaining employment due to intellectual disability or physical
disability on the date that the child's coverage would otherwise terminate
under the policy due to the attainment of a specified age for children. The
policy may require that within thirty-one (31) days of such date the company
receives due proof of the incapacity in order for the insured to elect to
continue the policy in force with respect to the child, or that a separate
converted policy be issued at the option of the insured or policyholder.
(3-31-22)
03.
Limitation on
Termination of Coverage of Dependent. A policy cannot provide for
termination of coverage of a covered dependent solely because of the occurrence
of an event specified for termination of coverage of the insured, other than
nonpayment of premium. In addition, the policy will provide that in the event
of the insured's death, the spouse or dependent of the insured, if covered
under the policy , will become the insured. (3-31-22)
04.
Continuous Loss Extension.
Termination of the policy will be without prejudice to a continuous loss that
commenced while the policy was in force. Such extension of benefits beyond the
period during which the policy was in force may be conditioned upon the
continuous total disability of the insured, limited to the duration of the
policy benefit period, if any, or payment of the maximum benefits.
(3-31-22)
05.
Pregnancy
Benefit Extension. In the event the insurer cancels or refuses to renew,
policies providing pregnancy benefits will provide for an extension of benefits
as to pregnancy commencing while the policy is in force and for which benefits
would have been payable had the policy remained in force. (3-31-22)
06.
Expenses of Live Donor. A
policy providing coverage for the recipient in a transplant operation also
provides reimbursement of any medical expenses of a live donor to the extent
that benefits remain and are available under the recipient's policy or
certificate, after benefits for the recipient's own expenses have been paid.
(3-31-22)
07.
Fractures or
Dislocations. A policy providing coverage for fractures or dislocations
will not provide benefits only for "full or complete" fractures or
dislocations. (3-31-22)
08.
Coinsurance. Except for out-of-network benefits offered as part of
a managed care plan, a coinsurance percentage will not exceed fifty percent
(50%) of covered charges. A coinsurance percentage for out-of-network benefits
offered as part of a managed care plan will not exceed sixty percent (60%) of
covered charges. (3-31-22)
Notes
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