Critical illness insurance: Insurance policy taken out against the risk of being diagnosed with a serious condition. Insurers pay out a regular or lump sum following diagnosis.

commercial purpose the names of its enrollees or any identifying information concerning enrollees.
Provide notification in accordance with subsection of section 38a-472f to each such enrollee upon the termination or withdrawal of the enrollee’s primary care provider.
Upon request, audit a contract for pharmacy services for compliance with the provisions of this section.

The Insurance Commissioner may adopt regulations, relative to chapter 54, to implement the provisions of the section.
Such admission, service, procedure or extension of stay has had invest reliance on such prior authorization or precertification.
No administrator shall prohibit a pharmacy from enrolling in a program aside from cause, including, but not limited to, previous fraudulent usage of program identification cards.
Each administrator shall mail to any pharmacist, upon written request, a copy of each contract or agreement form used in this state between such administrator and a pharmacy.
Coverage for accidental ingestion or usage of controlled drugs.

An issuer shall not use or change premium rates for a long-term care policy unless the rates have already been filed with and approved by the Insurance Commissioner.
Any rate filings or rate revisions shall demonstrate that anticipated claims with regards to premiums when coupled with actual experience up to now should be expected to comply with losing ratio requirement of this section.
A rate filing shall include the factors and methodology used to estimate irrevocable trust values if the policy includes an option for the elimination period specified in subdivision of subsection of this section.
Except as specified in subsection of this section, benefits under this section will be subject to the same terms and conditions applicable to all other benefits under such policies.
No insurance provider, fraternal benefit society, hospital service corporation, medical service corporation or health care center may deliver or issue for delivery any long-term care policy or certificate that has a loss ratio of less than sixty-five per cent for just about any group long-term care policy.
An issuer shall not use or change premium rates for a long-term care policy or certificate unless the rates have already been filed with the Insurance Commissioner.

What Three Major Types Of Critical Illness Insurance Carriers Often Group Covered Conditions?

Because you can find few therapeutic interventions for acute stroke, particularly acute intracerebral hemorrhage, these findings suggested that uninsured adults suffered more serious strokes because of poorer management of cardiovascular risk factors, such as hypertension and hypercholesterolemia, and fewer preventive carotid endarterectomies when indicated for asymptomatic or symptomatic carotid stenoses.
Unobserved differences in disease severity or health behaviors also, however, could have explained these results.
In addition to potentially life-saving procedures and therapies for acutely ill patients, health care is becoming particularly effective in reducing morbidity and mortality

• For the purposes of the section, “elevated blood alcohol content” means a ratio of alcohol in the blood of such person that is eight-hundredths of one per cent or even more of alcohol, by weight.
• Diabetes self-management training shall be provided by an avowed, registered or licensed health care professional been trained in the care and
• The online journey is being enabled through the Insurance Self Network platform of the Company
• The applicant shall sign an acknowledgment at the time of application for such policy that the company, society, corporation or center has provided the written disclosure required under this subsection to the applicant.
• external review or an expedited external review that involves exactly the same adverse determination or final adverse determination that the covered person or the covered person’s authorized representative already received an external review decision or an expedited external review decision.

“Self-insurer” or “self-insured or self-funded employee health benefit plan” will not include such employee welfare benefit fund or plan established prior to April 1, 1976, by any organization that’s exempt from federal taxes under the provisions of Section 501 of the United States Internal Revenue Code and amendments thereto and legal interpretations thereof, except any such organization described in Subsection of said Section 501.

Accident & Illness Insurance

Due to often delayed effects of health services on survival and the nonlinear relationship between mortality rates and increasing age, these null findings from quasi-experimental analyses of the consequences of Medicare coverage ought to be interpreted with caution and are not necessarily inconsistent with findings from observational comparisons.
As discussed later, quasi-experimental approaches such as for example regression discontinuity designs may be more desirable for assessing the effects of coverage on mortality among acutely ill adults for whom short-term reductions in the chance of death might be expected from greater access to appropriate care .
Instrumental variables analyses of longitudinal data are less subject to these limitations, and Hadley and Waidmann estimated that universal coverage would lower the death rate before age sixty-five from 6.7 percent to 3.9 percent among near-elderly adults.
However, as discussed earlier, the validity of the estimates requires that the selected instrumental variables exclusively predict exogenous differences in coverage.
Of the 131 studies reviewed in Care without Coverage , only three (Fihn and Wicher 1988; Goldman et al. 2001; Lurie et al. 1984) were seen as a a subsequent review as quasi-experimental .

A dental plan organization shall preserve its books, accounts and records for at least five years, provided preservation by photographic reproduction or records in photographic form shall constitute compliance with sections 38a-577 to 38a-590, inclusive.
A certificate of authority shall expire twelve months following a date of issuance or previous renewal.
If the dental plan organization remains in compliance with the requirements of sections 38a-577 to 38a-590, inclusive, and contains made timely payment of the renewal fee of one hundred dollars, its certificate will be renewed.
No small employer carrier or producer shall induce or elsewhere encourage a little employer to separate or elsewhere exclude a worker from coverage of health or benefits provided in connection with the employee’s employment.
All persons treated as an individual employer under Section 414 of the Internal

No dentist shall charge more for services or procedures that are not covered benefits than such dentist’s usual and customary rate for such services or procedures, no optometrist or ophthalmologist shall charge more for services, procedures or products that are not covered benefits than such optometrist’s or ophthalmologist’s usual and customary rate for such services, procedures or products.
A health carrier shall post each access anticipate its Internet site and make such access plan offered by medical carrier’s business premises in this state and to any person upon request, except that such health carrier may exclude from such posting or publicly available access plan any information such health carrier deems to be proprietary information that, if disclosed, would cause the health carrier’s competitors to acquire valuable business information.
A health carrier may request the commissioner never to disclose such information under section 1-210.
For a covered person who is in the second or third trimester of pregnancy, the continuity of care period shall extend through the postpartum period.
Penalize a participating provider because such participating provider reports in good faith to convey or federal authorities any act or practice by such health carrier that jeopardizes patient health or welfare.
The provisions of this section and sections 38a-477g and 38a-477h shall connect with all health carriers that deliver, issue for delivery, renew, amend or continue a network plan in this state.

No individual health insurance policy providing coverage of the sort specified in subdivisions , , , , and of section 38a-469 delivered, issued for delivery, renewed, amended or continued in this declare that provides coverage for prescription medications shall deny coverage for the refill of any drug prescribed for the treatment of a chronic illness that’s made in accordance with a plan on the list of insured, a practitioner and a pharmacist to synchronize the refilling of multiple prescriptions for the insured.
Any insurance company, hospital service corporation, medical service corporation or health care center may issue to a religious employer an individual health insurance policy that excludes coverage for methods of diagnosis and treatment of infertility that are unlike the religious employer’s real religious tenets.
As used in this section, “carrier” means each insurer, healthcare center, hospital service corporation, medical service corporation or other entity delivering, issuing for delivery, renewing, amending or continuing anybody medical health insurance policy in this state providing coverage of the sort specified in subdivisions , , , , , and of section 38a-469.
As found in this section, “carrier” means each insurer, health care center, hospital service corporation, medical service corporation or other entity delivering, issuing for delivery, renewing, amending or continuing anybody health insurance policy in this state providing coverage of the sort specified in subdivisions , , , , and of section 38a-469.
Each individual health insurance policy providing coverage of the type specified in subdivisions , , , , , and of section 38a-469 delivered, issued for delivery, renewed, amended or continued in this state that provides coverage for expenses incurred for physical therapy shall provide coverage for occupational therapy provided in private practice or in a healthcare facility or in a partial hospitalization program on an exchange basis.
Each individual health insurance policy providing coverage of the type specified in subdivisions , , , , and of section 38a-469 delivered, issued for delivery, renewed, amended or continued in this state shall provide usage of a pain management specialist and coverage for pain treatment ordered by such specialist that could include all means medically necessary to create a diagnosis and develop a treatment plan including the usage of necessary medications and procedures.

If such copy is not so delivered or mailed, the insurer shall be precluded from introducing such application as evidence in virtually any action or proceeding based upon or involving such policy or its reinstatement or renewal.
For the purposes of the section, “limited coverage” means an insurance policy providing coverage of the type specified in subdivisions , , , and of section 38a-469 that contains an annual maximum