Source: https://apps.doi.idaho.gov/Company/ACAFaq?FAQYear=2014
Timestamp: 2017-05-29 15:01:34
Document Index: 162568503

Matched Legal Cases: ['§ 156', '§ 147', '§ 147', '§ 155', '§ 144', '§ 41', '§ 41']

Other Services Address of Notice of Bail Bond Forfeiture List Related Links General Information Financial Condition Examinations Industry > ACA Related Guidance > Frequently Asked Questions 2014 The following questions have been received by the Idaho Department of Insurance regarding the Idaho Health Insurance Exchange and SHOP (Idaho Exchange), the filing process, Qualified Health Plan standards, and other related topics. The answers are intended to offer guidance on current issues based on the DOI’s current understanding of applicable federal and state law requirements. If you have any concerns regarding the accuracy of any of the guidance, please contact Wes Trexler at the DOI by phone at 208-334-4315 or email. The DOI will continue to release additional information and revise these responses as needed.
Are there any changes to the QHP standards for 2015?(5/15/2014) Yes. 2015 QHP Standards notice distributed April 21, 2014 has since been removed from the website.Due to SERFF binder functionality delays, will the DOI change the deadlines from what is presented in the 2015 QHP Standards document distributed April 21, 2014 by the Idaho DOI?(6/27/2014) In addition to the changes below, the Carrier Plan Preview is expected to begin July 10, and YHI is contemplating moving the participation agreement deadline from October 10 to prior to September 1.
(5/15/2014) The 2015 QHP Standards notice stated that, “In the case that SERFF is not ready to accept binder filings by the May 9 or May 30 due dates specified above, carriers will still be expected to submit their forms and rates through standard (non-binder) filings. DOI will expect carriers to complete their application by submitting the remaining components in a binder within one week of the SERFF binder functionality becoming available.” The DOI has moved the May 9 filing date for new exchange participants back to align with the general filing date of May 30. The general filing date for standard forms and rates filings of May 30 is not changing. Due to the unknown status of the SERFF binder functionality, the DOI is specifying the binder filing date as June 13, which is two weeks after the standard filing date. At this time, none of the other dates referenced in the 2015 QHP Standards notice are changing.Have you established a filing deadline for off-exchange plans for the 2015 plan year?(5/15/2014) While there is no hard deadline for off-exchange plans, the DOI recommends carriers selling only off-exchange plans have the 2015 forms, rates, and federal templates filed no later than August 29, 2014. If a carrier filing on-exchange plans also wishes to sell some plans only off-exchange, the carrier must include all plans (on and off-exchange) together in one filing by May 30, 2014 (See question 2).
Will the off-exchange open enrollment period for the 2015 calendar year coverage differ from the on-exchange open enrollment period of November 15, 2014 through February 15, 2015?(5/15/2014) At this time, the DOI does not expect to expand or modify the off-exchange open enrollment period from the on-exchange open enrollment period.What is the Idaho exchange user fee for the 2015 plan year?(5/15/2014) The Idaho Health Insurance Exchange Board set the 2015 fee at the April 18, 2014 board meeting at 1.5% of premium.Does Idaho require a health plan to embed the pediatric dental benefit when off the exchange, and what is considered reasonable assurance?(5/15/2014) For questions regarding the pediatric dental care EHB and reasonable assurance, please see Idaho DOI Bulletin 14-02.When can plans be added to either the individual or small group market?(5/15/2014) Since the market-wide index rate development must reflect all plans in the single risk pool, all plans in the risk pool have to have their rates approved at the same time, regardless of YHI participation. Therefore, new plans must be submitted with all other plans within the same market at the same time the market-wide index rate is changed. 45 C.F.R. § 156.80(d)(3) states that carriers (selling inside or outside an Exchange) may adjust the individual market-wide index rate annually and the small group market-wide index rate quarterly. Because the QHP certification process occurs annually and in order to maintain parity between QHPs and non-QHPs, new plans will not be allowed as part of the quarterly adjustments in the small group market. The quarterly index rate adjustments should be limited to modifications of the small group market index rate and expected trend through the fourth quarter of the calendar year.Are small group composite premiums allowed at certain group sizes, as long as the total is equal to the allowable per-member rating at issue and renewal?(7/15/2014) On July 8, CMS leadership approved the proposed small group composite premium method described below. The full proposal with additional details around the methodology has since been removed from the website.
(5/15/2014) In the final federal rule on the Payment Parameters for 2015 (79 Federal Register 13744, March 11, 2014), CMS clarifies that “the issuer must make the option to composite premiums uniformly available to all group health plans enrolling in [the issuer’s] product.” Therefore, carriers cannot offer composite premiums to only certain group sizes. The final rule also modified 45 C.F.R. § 147.102(c)(3)(iii) to provide criteria around using composite premiums. The Idaho DOI is currently evaluating the option in § 147.102(c)(3)(iii)(B) to establish an alternative rating methodology.Will YHI allow premium aggregation (employee choice) in the SHOP during 2015?(5/15/2014) YHI will be implementing a manual process for SHOP enrollment for plan year 2015 and is not planning to implement employee choice in 2015. YHI will be conducting an on-going assessment of the SHOP marketplace in the coming months and will determine whether employee choice will be an offering in the future.What requirements exist for brokers / producers who wish to participate in YHI?(5/15/2014) Work is underway to transition the training and certification process from CMS to Your YHI for the 2015 open enrollment period. For the 2015 Open Enrollment period, all producers that would like to sell plans from the Exchange must complete YHI’s training and certification process – as the training will be Idaho specific and cover new material and systems not covered in the 2014 CMS training. YHI anticipates having on-line, self-paced training available in early September. Once the YHI specific training program is available, YHI and the DOI will communicate those details to the producer community. NOTE: Any producers not already certified through CMS to sell Exchange products who would like to be certified for the Special Enrollment Period (now through November 15, 2015) must complete the Federally Facilitated Marketplace (FFM) Training via The Medicare Learning Network. Producers will be required to take YHI’s training for sale of 2015 plans. A quick reference guide explaining that process can be found at http://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/Downloads/agent-broker-reg-quick-reference.pdf.
Any questions regarding YHI’s training and certification process can be directed to the YHI Consumer Connector Program at connect@YourHealthIdaho.org.How do federal regulations change how Idaho carriers determine if an employer qualifies as a small group in 2015?(5/15/2014, revised 7/21/2015 and 10/13/2015) Idaho’s definition of a small employer as one employing at least two but no more than 50 employees and method of counting eligible employees, found in Idaho Code section 41-4703(28)(28) and section 41-4703 (13), will continue to apply in 2015 and later years. As of January 1, 2016, the federal method of counting employees, provided by the IRS at 26 USC 4980H, will apply, and a small employer will be defined as one with not more than 100 employees, per 45 C.F.R. § 155.20 45 C.F.R. § 144.103. The method of counting The method of counting employees described in Idaho Code section 41-4703(28) will continue to apply for the purpose of determining group size.Are rate manuals required to be included as part of a QHP rate filing?(5/15/2014) Idaho requires individual and small group carriers maintain a rate manual at the place of business and file the rate manual with the DOI prior to use. The DOI will expect that carriers file rate manuals for the 2015 plan year as part of the rate filing associated with an on-exchange or off-exchange plan. The rate manual should specify all rating factors used in calculating a premium. This requirement also applies to stand-alone dental carriers seeking exchange certification.Do carriers need to submit the federal rating business rules template in 2015?(6/27/2014)Yes. While YHI will not be utilizing this template, QHP carriers are still expected to submit it by July 1, 2014. The rules and responses below should be used to complete the template. Carriers have the flexibility to add additional relationships to the response to the final business rule, as what is shown in the table is the minimum. These responses are to apply to on-exchange and off-exchange policies of QHPs and non-QHPs in both the individual and small group market. Please contact Wes Trexler with any questions about these responses.
(5/15/2014) Yes. While YHI does not plan to utilize the rating business rules template in 2015, carriers should still submit the rating business rules template for 2015 plans. YHI and DOI have set standard responses for the rules in that template, which will provide a more uniform rating process across carriers. Please contact Wes Trexler with questions about the required rating business rules for QHPs and non-QHPs.Do carriers need to submit the federal network adequacy template in 2015?(5/15/2014) Yes. The DOI is requesting carriers submit the network adequacy template by July 1, 2014. While the DOI will not be using this template for QHP review purposes, the DOI will be using the template data to inform future decisions regarding network adequacy standards.Are there recommended changes to the default add-in EHB information provided in the federal plans and benefits template?(5/16/2014) Yes. CMS has released "Revised Benchmark Spreadsheets" which carriers should rely on when correcting the EHBs auto-populated within the federal plans and benefits template. The individual market EHBs are available here, and the small group market EHBs are available here.
(5/15/2014) Yes. CMS has communicated that they are planning to release revised “Benchmark Benefits Instructions” that should explain what modifications should, at a minimum, be made to the Idaho EHB information that is auto-populated within the plans and benefits template. There currently is not an ETA for this information.Are enrollees of the Idaho Individual High Risk Pool plans eligible for a special enrollment period upon reaching the maximum lifetime benefit per carrier, allowing the individual to enroll in 2014 ACA-compliant health plan?(5/15/2014) No. Reaching the maximum lifetime benefit does not meet the criteria for a special enrollment period. The Idaho Individual High Risk Pool has existing procedures to allow enrollees to migrate to another carrier upon reaching the maximum benefit. Carriers should continue to follow those procedures, which will allow the enrollee unbroken access to coverage.Are the Idaho Individual High Risk Pool plans considered minimum essential coverage?(3/5/2015) According to the HHS Notice of Benefit and Payment Parameters for 2016, state High Risk Pools established on or before November 26, 2014 are considered minimum essential coverage indefinitely. Therefore, Idaho Individual High Risk Pool plans will continue to be deemed minimum essential coverage, and individuals enrolled in these plans will be considered in compliance with the individual mandate. However, carriers should continue to provide information to enrollees at renewal on the new health insurance marketplace. (6/27/2014) Currently, yes. However, per federal guidance Idaho Individual High Risk Pool plans will not satisfy the minimum essential coverage requirement starting with plan years that begin January 1, 2015 or later. Accordingly, the expiration of HRP coverage as minimum essential coverage will effect a special enrollment period at that point in 2015. Individuals should be notified of such and encouraged to enroll in ACA compliant plans in order to maintain minimum essential coverage and avoid the potential tax penalty.What templates are required for on-exchange plans and what templates are required for off-exchange only plans?(6/27/2014) Regarding QHPs and SADPs that are seeking certification (for on or off-exchange sale), QHP Binder Filing Instructions has since been removed from the website. For off-exchange only medical plans, the following templates and corresponding supporting documentation are required: Plans and Benefit Template, Prescription Drug Template, Network Template, Service Area Template, Rate Data Template, Business Rules Template, Unified Rate Review Template. The following templates are optional (not required) for off-exchange only medical plans: Administrative Template, ECP Template, Accreditation Template, Network Adequacy Template, Network Access Cover Sheet, Idaho Specific Attestations.
For SADPs not seeking certification, no binders or templates are needed.Can adults purchase a stand-alone dental plan on YHI?(6/27/2014) No. At least for the 2015 plan year, YHI will not sell coverage through a stand-alone dental plan to individuals age 19 or greater. YHI will offer stand-alone dental plans for purchase that provide coverage to individuals under age 19. YHI will be conducting an assessment to determine anticipated future functionality regarding stand-alone dental plans including covering adults. Plans with adult benefits can still be exchange-certified, and adult coverage can be purchased outside of YHI.Will YHI display in the shopping experience stand-alone dental plans designated as either “Allows Child-Only” or “Allows Adult and Child-Only” within the plans and benefits template?(6/27/2014) YHI will make available both “Allows Child-Only” dental plans and “Allows Adult and Child-Only” plans for selection after an applicant purchases a medical QHP, and at least one individual on the application is under age 19. However, if a family is applying for coverage on YHI, the dental application will include coverage for only the family members under age 19. This functionality may be expanded in the future to include offering dental coverage for adults. The DOI and YHI will work with carriers to ensure that in cases when there are multiple plans from a single carrier that have identical pediatric benefits, only one of those plans will be made available through YHI. The other plans can still be exchange-certified and purchased directly from carriers outside of YHI.Regarding stand-alone dental plans, will YHI allow the “household” composite rating tiers (Individual, Couple, Couple and Children, Family, etc.) or only the per member rating by age?(6/27/2014) The DOI recommends that stand-alone dental plans utilize the per member build-up using age rating in order to improve consistency among dental carriers. Because YHI will only be quoting stand-alone dental plans for individual under age 19, carriers must not use the household tier rating methodology for stand-alone dental plans in the individual market that will be sold through YHI. Carriers can utilize household tier rating on plans in the small group market and in the individual market if not offered through YHI. In the future, if stand-alone dental plans with adult benefits are displayed in YHI, both per member rating and household tier rating will be supported in the individual market, although the DOI recommendation to rate using the per member build-up will remain.Regarding stand-alone dental plans, will YHI distinguish between “guaranteed” and “estimated” rates?(6/27/2014) No. YHI’s solution will not distinguish between a plan that is defined to have guaranteed rates (the premium for the plan will always match what YHI displays during shopping) or estimated rates (the premium can vary from what YHI displays during shopping). Therefore, in order to minimize confusion and avoid misleading consumers purchasing a dental plan, YHI requires that, at least for 2015, dental carriers develop guaranteed rates for child-only policies.Is the Carrier Acknowledgement & Consent to Publishing of Rate Information and Determination form required for stand-alone dental plans wishing to be exchange-certified?(6/27/2014) No. That form is only needed for medical plans.Since accreditation is not a requirement of stand-alone dental plans, how should a SADP demonstrate network adequacy?(6/27/2014) Stand-alone dental carriers should demonstrate network adequacy by submitting with their binder the Network Adequacy Cover Sheet and an accompanying Network Access Plan which demonstrates that each SADP meets 45 C.F.R. 156.230(a)(2) as it applies to SADPs. The following sections of the Cover Sheet apply to SADPs: standards for network composition (excluding references to mental health and substance abuse providers), ongoing monitoring process, plan for addressing needs of special populations, member communication methods, and continuity of care plan (in the event of provider contract termination or corporate insolvency).On September 12, 2014, CMS released Revised Bulletin #10 on Grace Periods Related to Terminations for Non-Payment of Premiums and Enrollment through the Federally-facilitated Marketplace across Benefit Years.” The bulletin specifically applies to Federally-facilitated Marketplaces, and therefore is not directly applicable to Idaho. How does the DOI interpret the regulations regarding a grace period that crosses benefit years?Revised Bulletin #10
The DOI finds either approach acceptable, provided that the carrier communicates the policy to the enrollees and applies it consistently.Are there Idaho standards regarding the acceptance of incomplete binder payments to effectuate coverage?(11/12/2014) No. Each carrier should have a standard practice regarding incomplete payments of the initial premium. This could be a percentage or dollar threshold, and the threshold should be applied consistently.Regarding renewing coverage, are there situations in which the carrier could require a new binder payment prior to processing the renewal?(11/12/2014) In the case of an enrollee either passively or actively renewing his/her policy into the identical plan or the applicable replacement plan if the same plan is no longer an option, the carrier should not require a binder payment to continue coverage. Instead, the carrier should apply the contractual grace period for non-APTC coverage. The three-month grace period that applies to policies with APTC does not apply until the first month of a benefit year is paid, so it would not apply to the January payment of a renewal if the enrollee was current through the end of December.
In other cases, such as an enrollee actively renewing the policy into a different plan, the carrier should define and apply a consistent policy of either requiring or not requiring a binder payment to begin the coverage for the new benefit year.Idaho’s small employer Basic, Standard, and Catastrophic plans, as described in IDAPA 18.01.70, do not qualify as grandfathered plans, and the plans do not meet ACA requirements to be sold as non-grandfathered coverage after January 1, 2014. Therefore, what options do carriers have regarding these plans mandated by Idaho Code § 41-4708?(11/12/2014) The DOI has determined that the ACA requires that these mandated plans either be modified by carriers to adopt the grandfathered plan consumer protections or be discontinued following the discontinuation requirements of Idaho Code § 41-4707(1)(g).How does the DOI interpret and intend to enforce the new requirements for fixed indemnity plans in the individual market, as described in the Market Standards final rule, published May 27, 2014?Market Standards final rule(12/2/2014) Beginning January 1, 2015, fixed indemnity plans in the individual market may be sold only to individuals who attest in their application for coverage that they have other health coverage that meets the definition of minimum essential coverage under the ACA. The following additional requirements also apply:
Fixed indemnity plans in the individual market issued prior to January 1, 2015 must comply with the above requirements, including the attestation, upon the first renewal that occurs on or after October 1, 2016. See 45 CFR 148.220(b)(4).Do group health plans that do not include in-patient hospitalization services meet minimum value requirements if the plan provides at least a 60% value, as determined using the Minimum Value Calculator?(11/12/2014) No. On November 4, 2014, the IRS issued Notice 2014-69. This notice states that health plans which fail to provide in-patient hospitalization services and/or physician services do not satisfy the minimum value requirement. Employers will not be subject to IRS penalties for offering coverage in such a plan if the plan year begins on or before March 1, 2015. However, employees who are offered coverage in an employer plan that does not include in-patient hospitalization services and/or physician services will be eligible to enroll in an individual plan with APTC regardless of when the plan year begins.