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COVID-19 life and health insurance regulation update

In the interest of public safety and the protection of residents, State Departments of Insurance (“Department” or “DOI”) have issued special rules, regulations, and guidance for insurers related to the COVID-19 pandemic. The scope of this report is limited to such information applicable to life, accident and health insurance only and focuses the impact that COVID-19 regulatory actions have on product administration, including the following primary topics:

Additional information is provided where state guidance expands beyond these eight categories. The chart below is organized by state and the relevant topics for each state are identified by the bolded, underlined text. Where possible, we have provided links to the relevant sources. The Interstate Insurance Product Regulation Commission (Insurance Compact) also has a COVID-19 resource page with significant information related to resources and filings. For a full PDF version of all jurisdictions with embedded links, please contact [email protected].

IMPORTANT: The information provided herein is not intended to be a comprehensive compilation of all state rules, regulations, and guidance related to COVID-19. Readers should review the linked sources for complete information on the categories covered and refer to the Department website links provided for guidance on other topics. Additionally, state regulatory responses to the COVID-19 pandemic are constantly evolving. As such, this document may need revision to account for changes in Department positions. We intend to provide updates as they become available; please refer to the date above, which represents the most recent revisions. This document is prepared and maintained by Taylor McKinnon, and Stephen Tabachnick in Milliman’s Tampa office. You may reach Taylor at [email protected]. 

Alabama 

Department Guidance

Alaska

DOI website 

Department Guidance

Bulletin 20-18. The Department has received numerous reports of insurers notifying consumers and health care providers that they will no longer cover telehealth services. The Department would like to remind insurers that under Bulletin 20-07 and SCS HB 29(HSS), telehealth coverage is mandatory for individual and group plans subject to Title 21. (10/16/2020)

Order R20-04. Insurers may request filings originally submitted as File and Use be treated as Prior Approval if their company experiences operational challenges due to COVID-19. The division reserves the right to treat File and Use filings as Prior Approval if deemed necessary by the director.

Arizona 

Department Guidance

Arkansas 

Department Guidance

Bulletin 21-2020 establishes a 45-day moratorium on cancellation or nonrenewal for premium nonpayment for policyholders who have been diagnosed with COVID-19 or who have been laid off or lost business as a result of the pandemic. (5/15/2020). Bulletin 26-20 extends Bulletin 21-2020 for the duration of the pandemic. (06/26/2020)

Bulletin 23-2020. The Department reminds all health insurance carriers offering health insurance plans, including short-term limited-duration insurance plans that they must comply with the reimbursement requirements for healthcare services provided through telemedicine found in Ark. Code Ann. § 23-79-1602(c) and (d). (5/15/2020)

Bulletin No. 24-2020. The Department directs all health insurance carriers offering health insurance plans, including short-term limited-duration insurance plans to suspend random audits of pharmacies and to suspend the requirement that pharmacy plan beneficiaries sign for the rendering of pharmacy services. (05/15/2020)

Bulletin 29-2020. The Department orders that all health insurance carriers suspend the requirement that pharmacy plan beneficiaries sign for the rendering of pharmacy services for the duration of the pandemic. (09/04/2020)

California 

Department Guidance

Colorado 

Department Guidance

Bulletin B-4.107. Carriers are directed to defer the triggering of a grace period for policyholder nonpayment of premium, and are urged to extend premium deferrals and premium due dates, accept partial payments, establish payment plans, and waive late fees or other penalties in order to ease consumer hardship. (4/24/2020)

Emergency Regulation 20-E-07. Treatment of COVID-19 is subject to the provider reimbursement requirements, in-network benefits, direct payment rules and consumer protections against balance billing under Colorado law. (4/24/2020)

Bulletin No. B-4.108. Health insurance companies must utilize both in-network and in-state out of network laboratories to process COVID-19 tests with no cost share by the covered person. Additionally, the carrier must reimburse any in-state out of network laboratory used to process COVID-19 tests in accordance with Colorado laws relating to emergency medical services. Carriers shall also cover cost sharing where licensed health care providers are administering testing for COVID-19, including in-network urgent care center settings, emergency room settings, and nontraditional care settings. (5/08/2020)

Emergency Regulation 20-E-09. Establishes coverage and cost-sharing requirements for health insurance carriers related to claims arising from the testing and treatment of COVID-19. (09/04/2020)

Emergency Regulation 20-E-12. Carriers are required to provide covered persons with treatment related to COVID-19. (09/04/2020)

Emergency Regulation 20-E-11. Requires carriers offering health benefit plans to reimburse providers for provision of telehealth services using non-public facing audio or video communication products during the COVID-19 nationwide public health emergency. (09/04/2020)

Connecticut 

Department Guidance

Bulletin HC-128. Provides updated definitions of “Telehealth” and “Telehealth provider” according to Public Act 20-02. (09/04/2020)

Bulletin No. FS-36. First quarter financial report deadline has been extended to June 15, 2020 (previously May 15). The due date for annual statement supplements has also been extended to June 15, 2020.

Bulletin No. HC-90-20A. State extended ACA filings; the due date for such filings until July 6, 2020 for forms and July 20, 2020 for rates.

Bulletin No. FS-38. For Domestic companies, the Department is willing to extend financial reporting deadlines for certain required hard copy filings by up to 90 days by request and subject to Department approval. If your domestic company believes that it will not be able to meet any of the filing deadlines listed in this bulletin, please contact the Department at [email protected] to submit a request for waiver of the filing deadline. (5/08/2020). Bulletin No. FS-40 (supersedes Bulletin No. FS-38). For Domestic companies, all hard copy filings delayed because of COVID-19 will be due not later than 2 weeks after essential company personnel have returned to work. (06/26/2020)

Bulletin No. FS-39. For Foreign companies, the Department is willing to extend financial reporting deadlines for certain required hard copy filings by up to 90 days by request and subject to Department approval. If your foreign company believes that it will not be able to meet any of the filing deadlines listed in this bulletin, please contact the Department at [email protected] to submit a request for waiver of the filing deadline. (5/08/2020). Bulletin No. FS-41 (supersedes Bulletin No. FS-41). For Foreign companies, all hard copy filings delayed because of COVID-19 will be due not later than 2 weeks after essential company personnel have returned to work. (06/26/2020)

Bulletin No. HC-81-20A. The Department is removing a recently established requirement for rate filing submissions which obligated health insurers to include a demonstration of compliance with non-quantitative treatment limitations (NQTLs). This demonstration of compliance requirement has been removed due to the pandemic. (05/15/2020)

Delaware 

Department Guidance

Bulletin No. 117 (reissued 07-02-2020). As of July 01, 2020, the policy cancellation moratorium announced in Bulletin No. 116 is lifted. Insurers shall provide policyholders who were excused from paying premiums between March 25, 2020 and July 01, 2020 a 90-day repayment period. Insurers must give notice to policyholders concerning the availability of the repayment plans. (07/17/2020)

Bulletin No. 120. Outlines new rules relating to telehealth (codified in 18 DE Admin. Code 1409). (09/04/2020)

Florida 

Department Guidance

According to the Department's COVID-19 Website, the Quarterly Comprehensive Health Reporting (QCH) filing deadline for the first quarter of 2020 has been extended from May 15 to June 15, 2020. (5/15/2020)

Georgia 

Department Guidance

Directive 20-EX-4. Insurers are also requested to reimburse labs which are testing for COVID-19 at an in-network rate.

News Release 08/05/2020. Describes a newly enacted bill which allows for early prescription refills during a state of emergency. (09/04/2020)

Hawaii 

Department Guidance

Memorandum 2020-9A extends Memorandum 2020-4A throughout the duration of the pandemic. (09/04/2020)

Memorandum 2020-9A extends Memorandum 2020-4A throughout the duration of the pandemic. (09/04/2020)

Idaho 

Department Guidance

Bulletin No. 20-13. The Department recommends that carriers forgo any cost-sharing (copayments, deductibles, or coinsurance) for covered COVID-19 virus diagnostic testing and related services, including influenza testing or other respiratory testing when done in conjunction with COVID-19 virus testing, at in-network doctors’ offices, urgent care centers, or emergency rooms; and at out-of-network doctors’ offices, urgent care centers, or emergency rooms when access to urgent testing or treatment is unavailable from in-network providers. Additionally, The Department expects carriers to cover molecular, antigen, and antibody COVID-19 tests that are FDA-approved and deemed medically appropriate by the insured’s health care provider. (07/17/2020)

Illinois 

Department Guidance

Indiana 

Department Guidance

Iowa 

Department Guidance

Kansas 

Department Guidance

COVID-19 webpage statement. On June 01, 2020, the Department resumed in office work at half capacity, with the remainder of the staff working remotely. The office is open to the public.

Kentucky 

Department Guidance

Department Guidance 04-30-2020. In order to assist hospitals and healthcare facilities with focusing resources on the pandemic, insurers are required to waive preauthorization for various inpatient services and patient facility transfers. (5/15/2020)

Louisiana 

Department Guidance

Emergency Rule 37. All health insurance issuers shall evaluate differences in cost-sharing responsibilities for their insureds seeking in-network and non-network care and ensure that patients in areas in which in-network surge capacity is exceeded are not subject to unreasonable cost sharing requirements due to access limitations.

Maine

Department Guidance

ME BOI Emergency Response Order 03-27-2020. Carriers are required, when requested by an employer, to suspend the application of any group health plan contract provision that terminates coverage when an eligible employee is no longer actively employed by the group policyholder, provided that the employer’s offer of continued coverage is made to all affected employees on a nondiscriminatory basis.

Bulletin 453. A new Standing Order has been issued by the State Epidemiologist which eliminates defined risk criteria and expands COVID-19 testing eligibility to all individuals 12 months of age or older. As a result, Bulletin 453 has now superseded Bulletins 450 and 451. Carriers are reminded that their obligations to provide COVID-19 testing with no cost sharing have not changed. (10/16/2020)

Emergency Response Order 03-20-2020. Coverage of telehealth is expanded to include “audio-only telephone,” which had previously been excluded in Maine statutory definition of telehealth.

For all other individual and group policyholders - Until at least June 1, 2020, carriers must provide relief from premium cancellation to any individual policyholder not receiving APTC and to any small or large group policyholder, if the policyholder applies to the carrier for such relief and certifies that the policyholder’s inability to make timely premium payment was the result of hardship arising out of the COVID-19 pandemic.

Maryland 

Department Guidance

Bulletin 20-30. Health carriers are required to suspend health benefit cancellations and nonrenewals of individual health policies for nonpayment of premium. (09/04/2020)

Bulletin 20-39 outlines several conditions under which carriers can continue to cancel and nonrenew policies during the nonpayment cancellation moratorium. (10/16/2020)

Massachusetts 

Department Guidance

Bulletin 20202-23. Carriers are expected to cover PCR and antigen testing for COVID-19 under certain circumstances as outlined in the bulletin. (07/17/2020)

Bulletin 2020-13. The Division expects carriers will provide coverage for medically necessary emergency department and inpatient services rendered by out-of-network acute care hospitals without prior authorization requirements. (5/08/2020)

Bulletin 2020-15. The Division expects carriers to forego prior authorization for any scheduled surgeries and behavioral health or non-behavioral health admissions at acute care and mental health hospitals for a period of 60 days. This bulletin applies to all inpatient treatment, both COVID-19 and non-COVID-19. (5/08/2020)

Bulletin 2020-16. Carriers may develop utilization review systems that apply to COVID-19 tests, provided that they are consistent with the provisions of MGL c. 176O. (5/22/2020)

Michigan 

Department Guidance

Bulletin 2020-44. All required hard copy filings may be made electronically to the Department with an email to the assigned analyst and a copy also going to the analyst’s manager unless notified otherwise by the Department. Deadlines to file the hard copy of these filings remain postponed, and the Department will notify companies when the hard copy filings must be resumed. (11/25/2020)

Bulletin 2020-41. On October 12, 2020, the Michigan Supreme Court issued an order in House of Representatives v Governor, stating that, consistent with the ruling In re Certified Questions and effective immediately, the Executive Orders issued under the Emergency Powers of the Governor Act “are of no continuing legal effect.” Accordingly, the Department is reviewing its bulletins, orders, and other guidance relating to the public health emergency caused by the COVID-19 pandemic to determine whether modifications are necessary at this time. Entities regulated by the Department must remain in compliance with Department bulletins and orders. (11/25/2020)

Minnesota 

Department Guidance

Mississippi 

Department Guidance

Bulletin 2020-13 extends the provisions of Bulletin 2020-1 through December 31, 2020. (10/16/2020)

Missouri 

Department Guidance

Bulletin 20-07. The DOI waives telehealth provider licensing requirements and encourages carriers to expand coverage for telehealth services. Bulletin 20-15 extends the provisions of Bulletin 20-07 through June 15, 2020. (5/15/2020)

Montana 

Department Guidance

Nebraska 

Department Guidance

Nevada 

Department Guidance

New Hampshire 

Department Guidance

Docket INS No. 20-059-AB. Due to COVID-19, the Department will allow domestic companies to submit the required second quarter financial filings (due August 15, 2020) via email to [email protected]. Foreign companies should continue to send the August 15th Second Quarter Statement filing through the NAIC portal. (07/17/2020)

Docket 20-072-AB. Due to COVID-19, the Department will allow domestic companies to submit the required third quarter financial filings (due November 15, 2020) via email to [email protected]. Foreign companies should continue to send the November 15th Third Quarter Statement filing through the NAIC portal. (10/16/2020)

New Jersey 

Department Guidance

Bulletin No. 20-07. Network providers should be encouraged to utilize telehealth services. Carriers are required to update telehealth policies to include telephone-only services.

New Mexico 

Department Guidance

New York 

Department Guidance

Insurance Circular Letter No. 7 (2020). All insurance entities are urged to allow consumers to defer payments at no cost, extend payment due dates, or waive late or reinstatement fees which will avoid a lapse in coverage.

Regulation 216. The Department has issued emergency rules relating to grace periods and premium repayments, which are extended by 30 days by Executive Order 202.28. (5/15/2020)

Insurance Circular Letter No. 10 (2020). The NY DFS has adopted the 60th Amendment to Regulation 62 which prohibits health insurers from imposing cost-sharing for mental health services rendered by in-network providers on an outpatient basis for essential workers, regardless of whether the services are provided by telehealth. (5/08/2020)

Insurance Circular Letter No. 11 (2020). Issuers are directed to comply with the requirements of the 57th Amendment of Insurance Regulation 62 for COVID-19 testing covered under comprehensive health insurance policies and contracts and provided to nursing home and adult care facility personnel covered under the policy or contract consistent with EO 202.30, including the prohibition on cost sharing for such testing. 05/22/2020)

Insurance Circular Letter No. 16 and Sixty-First Amendment to Insurance Regulation 62. The Department requires health insurers to provide access to COVID-19 vaccinations with no cost sharing.

Issuers are directed to ensure that, as applicable, their telehealth programs with participating providers are robust and will be able to meet any increased demand. NY DFS Insurance Circular Letter No. 3 (2020) (issued 03-02-2020).

58th Amendment to Insurance Regulation 62. During the state of emergency related to COVID-19, no policy or contract delivered or issued for delivery in this State that provides comprehensive coverage for hospital, surgical, or medical care shall impose, and no insured shall be required to pay, copayments, coinsurance, or annual deductibles for an in-network service delivered via telehealth when such service would have been covered under the policy if it had been delivered in person. (05/22/2020)

North Carolina 

Department Guidance

Deferral Order. Insurers are ordered to provide a 30-day deferral of premiums due if requested by an insured. Extended Order 04-21-2020 extends the deferral order to 05/27/2020. See also Bulletin 20-B-07. (4/24/2020)

NC statutes section 58-3-228 requires health benefit plans to cover one early refill of a prescription drug, or to fill one replacement prescription of a drug that was recently filled, during disasters in the state (see Bulletin Number 20-B-04).

North Dakota 

Department Guidance

Bulletin 2020-10. Regarding the three types of available COVID-19 tests (PCR tests, antigen tests, and antibody tests), the Department expects carriers offering health benefit plans to cover PCR tests and antigen tests designed to detect the presence of COVID-19 when a patient’s symptoms indicate the medical need to conduct a test. The Department expects carriers to cover antibody tests only when they are FDA-authorized and are deemed medically necessary by a health professional. (5/22/2020)

Ohio 

Department Guidance

ODI Bulletin 2020-05. Testing and treatment for COVID-19 shall not be subject to preauthorization requirements.

Oklahoma 

Department Guidance

Oregon 

Department Guidance

Extension of Disability and Life Insurance Order 2020-08-21 extends the provisions of Emergency order 2020-05-22 through September 20, 2020. (09/04/2020)

Pennsylvania 

Department Guidance

Rhode Island 

Department Guidance

RI OHIC Bulletin 2020-5. It is the expectation of OHIC that carriers shall cover for the duration of the Rhode Island COVID-19 State of Emergency, PCR and Antigen testing and the administration of such tests where an ordering provider has determined the test is medically appropriate for an individual beneficiary in accordance with accepted standards of medical practice, inclusive of guidance issued by the Rhode Island Department of Health. (09/04/2020)

South Carolina 

Department Guidance

South Dakota 

Department Guidance

Tennessee 

Department Guidance

Executive Order 36. Health insurance carriers are urged to provide coverage for the delivery of clinically appropriate, medically necessary covered services via telemedicine to all providers, irrespective of network status or originating site. (5/22/2020)

Executive Order 63 extends various provisions of Executive Order 36 through October 30, 2020 including the Governor’s recommendation for insurers to provide access to telemedicine services. (10/16/2020)

Texas 

Department Guidance

TDI Bulletin B-0025-20. The Department encourages health insurers, health maintenance organizations (HMOs), and utilization review agents to extend prior authorizations for elective procedures authorized before the Governor’s executive order on March 22, 2020, directing a postponement of those procedures. (5/15/2020)

TDI Bulletin B-0024-20. The TDI will delay collection of 2019 mandated health benefits cost and utilization data from health benefit plan issuers to 2021. At that time, health benefit plan issuers will report data from 2019 and 2020. (5/08/2020)

TDI Bulletin B-0005-20. Insurers are encouraged to waive penalties, restrictions, and claims denials for necessary out-of-network services. 

Utah 

Department Guidance

Bulletin 2020-13. The Department interprets the federal FFCRA and CARES Act (both of which require coverage for COVID-19 testing without cost sharing, in various settings and circumstances) as applying to all insurers that offer group or individual health benefit plans in Utah. (5/15/2020). Bulletin 2020-16 provides additional guidance concerning federal requirements for coverage of COVID-19 testing. (09/04/2020)

Vermont 

Department Guidance

Bulletin #209, Emergency Rule H-2020-03-E, and Bulletin #214 were withdrawn by the Department effective October 23, 2020. (11/25/2020)

Emergency Rule H-2020-03-E. Health insurers shall cover medically necessary prescription drugs in connection with services for COVID-19 with no cost sharing.

Bulletin #215 rescinds Bulletin #211 effective August 03, 2020. (09/04/2020)

Virginia 

Department Guidance

Washington 

Department Guidance

Third Partial Extension of Emergency Order 20-02 updates the expiration date of the Emergency Order 20-02 COVID-19 and respiratory panel testing cost sharing waiver provisions to August 16, 2020. (07/17/2020)

Fourth Partial Extension of Emergency Order 20-02 updates the expiration date of the Emergency Order 20-02 COVID-19 and respiratory panel testing cost sharing waiver provisions to September 15, 2020. (09/04/2020)

Fifth Partial Extension of Emergency Order 20-02 updates the expiration date of the Emergency Order 20-02 COVID-19 and respiratory panel testing cost sharing waiver provisions to October 14, 2020.

Sixth Partial Extension of Emergency Order 20-02 updates the expiration date of the Emergency Order 20-02 COVID-19 and respiratory panel testing cost sharing waiver provisions to November 13, 2020.

Seventh Partial Extension of Emergency Order 20-02 updates the expiration date of the Emergency Order 20-02 COVID-19 and respiratory panel testing cost sharing waiver provisions to December 11, 2020.

Third Partial Extension of Emergency Order 20-02 updates the expiration date of the Emergency Order 20-02 telehealth provision to August 16, 2020. (07/17/2020)

Fourth Partial Extension of Emergency Order 20-02 updates the expiration date of the Emergency Order 20-02 telehealth provision to September 15, 2020. (09/04/2020)

Fifth Partial Extension of Emergency Order 20-02 updates the expiration date of the Emergency Order 20-02 telehealth provision to October 14, 2020.

Sixth Partial Extension of Emergency Order 20-02 updates the expiration date of the Emergency Order 20-02 telehealth provision to November 13, 2020.

Seventh Partial Extension of Emergency Order 20-02 updates the expiration date of the Emergency Order 20-02 telehealth provision to December 11, 2020.

Extension of Emergency Order 20-01 extends the expiration date of Emergency Order 20-01 by 30 days to June 03, 2020. (5/08/2020).

Second Extension of Emergency Order 20-01 extends the expiration date of Emergency Order 20-01 by an additional 30 days to July 03, 2020. (06/05/2020)

Third Extension of Emergency Order 20-01 updates the expiration date of Emergency Order 20-01 to August 02, 2020. (07/17/2020)

Fifth Extension of Emergency Order 20-01 updates the expiration date of the order to September 27, 2020. (09/04/2020)

Sixth Extension of Emergency Order 20-01 updates the expiration date of the order to October 25, 2020. (10/16/2020)

Seventh Extension of Emergency Order 20-01 updates the expiration date of the order to November 24, 2020.

Eighth Extension of Emergency Order 20-01 updates the expiration date of the order to December 24, 2020.

Extension of Emergency Order 20-01 extends the expiration date of Emergency Order 20-01 by 30 days to June 03, 2020. (5/08/2020).

Second Extension of Emergency Order 20-01 extends the expiration date of Emergency Order 20-01 by an additional 30 days to July 03, 2020. (06/05/2020)

Third Extension of Emergency Order 20-01 updates the expiration date of Emergency Order 20-01 to August 02, 2020. (07/17/2020)

Fifth Extension of Emergency Order 20-01 updates the expiration date of the order to September 27, 2020. (09/04/2020)

Sixth Extension of Emergency Order 20-01 updates the expiration date of the order to October 25, 2020. (10/16/2020)

Seventh Extension of Emergency Order 20-01 updates the expiration date of the order to November 24, 2020.

Eighth Extension of Emergency Order 20-01 updates the expiration date of the order to December 24, 2020.

Extension of Emergency Order 20-01 extends the expiration date of Emergency Order 20-01 by 30 days to June 03, 2020. (5/08/2020).

Second Extension of Emergency Order 20-01 extends the expiration date of Emergency Order 20-01 by an additional 30 days to July 03, 2020. (06/05/2020)

Third Extension of Emergency Order 20-01 updates the expiration date of Emergency Order 20-01 to August 02, 2020. (07/17/2020)

Fifth Extension of Emergency Order 20-01 updates the expiration date of the order to September 27, 2020. (09/04/2020)

Sixth Extension of Emergency Order 20-01 updates the expiration date of the order to October 25, 2020. (10/16/2020)

Seventh Extension of Emergency Order 20-01 updates the expiration date of the order to November 24, 2020.

Eighth Extension of Emergency Order 20-01 updates the expiration date of the order to December 24, 2020.

Extension of Emergency Order 20-06 extends the expiration date of the order to August 28, 2020.

Second Extension of Emergency Order 20-06 extends the expiration date of the order to September 27, 2020. (09/04/2020)

Third Extension of Emergency Order 20-06 extends the expiration date of the order to October 25, 2020. (10/16/2020)

Fourth Extension of Emergency Order 20-06 extends the expiration date of the order to November 24, 2020.

Fifth Extension of Emergency Order 20-06 extends the expiration date of the order to December 24, 2020.

West Virginia 

Department Guidance

Emergency Proceeding 20-EO-07. Health insurers must provide benefits for diagnostic testing of COVID-19 without cost sharing for all individuals who reside or work in nursing homes in the state of West Virginia, and for all individuals who reside or work in assisted living residences and residential care communities licensed by the DHHR Office of Health Facility Licensure and Certification (OHFLC). The Insurance Commissioner will take a non-enforcement position regarding midyear plan changes, so long as those changes are made to provide increased coverage for services related to the diagnosis and treatment of COVID-19. (5/15/2020)

Emergency Proceeding 20-EO-08. Health insurers must provide benefits for diagnostic testing of COVID-19 without cost sharing for all individuals who work in child care centers licensed by the DHHR’s Bureau for Children and Families. The Insurance Commissioner will take a non-enforcement position regarding midyear plan changes, so long as those changes are made to provide increased coverage for services related to the diagnosis and treatment of COVID-19. (5/15/2020)

Bulletin 20-14. An at-home COVID-19 testing kit must be covered by an insurer without imposing any cost-sharing requirements, prior authorization, or other medical management requirements on the individual covered under the plan or policy when (1) the individual requesting the test undergoes a valid screening or eligibility assessment; (2) the screening or eligibility assessment is reviewed and evaluated by a licensed healthcare provider; (3) the licensed healthcare provider is acting within the scope of his or her license; and, (4) the licensed healthcare provider authorizes or orders the at-home COVID-19 test for the individual. (09/04/2020)

Bulletin No. 20-07. The Department does not intend to extend the deadline for insurance premium tax payments (due April 15, 2020), the deadline for health insurers to file their Annual Grievance Reports (March 31, 2020) or the deadline for supplemental filings to Annual Statements (April 1, 2020). Companies should contact the DOI if extensions are needed.

Wisconsin 

Department Guidance

Bulletin 2020 04 21. Newly enacted law requires insurers offering disability insurance, defined network plans, and preferred provider plans to cover testing for COVID-19 without copayment or coinsurance if the plan or policy includes coverage for testing of infectious diseases. 

Notice 04-19-2020 and Press Release 04-19-2020. Wisconsin health insurers must cover cost sharing for COVID-19 testing based on the federal FFCRA and CARES Act. (5/22/2020)

Bulletin 2020 04 21. Newly enacted law, s. 609.205, WI Stats, prohibits Insurers offering disability insurance, defined network plans, and preferred provider plans from requiring prior authorization for early refills of a prescription drug or imposing a limit quantity of prescription drugs that may be obtained if the quantity is no more than a 90-day supply. (4/24/2020)

Bulletin 2020 03 19. Insurers that will not be able meet a filing deadline required by law or the DOI should contact the DOI to discuss alternative arrangements.

Bulletin 2020 04 02. The DOI is currently NOT granting any extensions for the filing deadline (June 1, 2020) for the Corporate Governance Annual Disclosures.

Wyoming 

Department Guidance

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Stephen Tabachnick

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COVID-19 life and health insurance regulation update

State Departments of Insurance have issued special rules, regulations, and guidance for insurers related to the COVID-19 pandemic. The scope of this report is limited to such information applicable to accident and health insurance only and focuses on the impact that COVID-19 regulatory actions have on product administration.

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