Tom Portier Crystal M. Campbell Ricky Shields. Office of Health Insurance “Filing in the Fast Lane”. Louisiana Department of Insurance Commissioner James J. Donelon Form Filing Seminar ● July 24 – 25, 2008. Regulation 78. Policy Form Filing Requirements for
Crystal M. Campbell
Louisiana Department of Insurance
Commissioner James J. Donelon
Form Filing Seminar ● July 24 – 25, 2008
Policy Form Filing Requirements
Major Medical, Medicare Supplement and Supplemental/Limited Benefit
Health Insurance Products
The transmittal document, statement of compliance, certification of compliance and compliance affidavit, as well as other helpful resources and documents, can be found at www.ldi.state.la.us/ldipolicymatrix.
Group master contract;
Individual certificates or subscriber agreements or other statements of coverage;
Individual enrollment forms; and
Any conversion insurance policy and application for conversion, if offered under the group master contract.Group Insurance Products
Filings of group health and accident products intended for issuance to an association are limited to associations as defined in LSA R.S. 22:215.A(1)(a)(iv), or 22:250.1(5)(b), or 22:1734(4).
Filings of products to be issued to an association must include the association’s:
Filings of group health and accident products intended for issuance to a trust are limited to trusts established by an employer, an association, or to a multiple employer trust established by an insurer on behalf of participating employers.
Filings of products to be issued to a trust must include:
There are four (4) “types” of Medicare Supplement Insurance Products:
All filings of policy forms for one or more standardized Medicare Supplement Insurance plans, or one or more standardized Medicare Select insurance plans, shall be considered a filing of one insurance product per insurer.
Example: If an issuer files plans A, C and F under a Medicare Supplement Individual Product, the fee would be $100. If the issuer files the same plans under a Medicare Select Individual Product, there would be a separate $100 fee, because those plans fall under a different “type” of product.
Filings of all Med Supp products must include:
Annual Rate Filings versus Rate Adjustments
So…what’s the good news???
Exceptions to the requirements for a complete filing may be allowed at the discretion of the department for the following policy forms:
Note: These filings do not require a statement of compliance.
Compliance and Compliance Affidavit;
new Complaint, Rate and Form Tracking
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