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2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 20 - Mandated Coverage › Article 1 - Newborn and Adopted Children Coverage › Section 26-20-101 - Newly Born and Adopted Child Coverage Required.

26-20-101. Newly born and adopted child coverage required.
(a) All individual and group health insurance policies providing coverage on an expense incurred basis, and individual and group service or indemnity type contracts issued by any insurer including any nonprofit corporation which provide coverage for a family member of the insured or subscriber, shall also provide, as to the family members' coverage, that the health insurance benefits applicable for children are automatically payable with respect to:
(i) A newly born child of the insured or subscriber from the moment of birth; and
(ii) An adopted child from the earlier of the date the petition for adoption is filed or entry of the child in the adoptive home, except that when the child is in the custody of the state, coverage shall begin at the date of entry of a final decree of adoption. Coverage for an adopted child shall continue unless the petition is denied.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 20 - Mandated Coverage › Article 1 - Newborn and Adopted Children Coverage › Section 26-20-102 - Specific Coverage.

26-20-102. Specific coverage.
The coverage for newly born children shall consist of coverage of injury or sickness including the necessary care and treatment of medically diagnosed congenital defects and birth abnormalities. The coverage for adopted children shall consist of coverage of injury or sickness including the necessary care and treatment of medical conditions existing prior to the date of placement.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 20 - Mandated Coverage › Article 1 - Newborn and Adopted Children Coverage › Section 26-20-103 - Premiums.

26-20-103. Premiums.
If payment of a specific premium or subscription fee is required to provide coverage for a child, the policy or contract may require that notification of birth of a child or the placement for adoption of a child and payment of the required premium or fees shall be furnished to the insurer or nonprofit service or indemnity corporation within thirty-one (31) days after the date of birth or after the date coverage of a child placed for adoption begins in order to have the coverage continue beyond the thirty-one (31) day period.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 20 - Mandated Coverage › Article 1 - Newborn and Adopted Children Coverage › Section 26-20-104 - Applicability of Article.

26-20-104. Applicability of article.
The requirements of this article regarding newly born children apply to all insurance policies and subscriber contracts delivered or issued for delivery in this state more than one hundred twenty (120) days after May 30, 1975. The requirements of this article regarding adopted children apply to all insurance policies and subscriber contracts delivered or issued for delivery in this state after June 8, 1989.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 20 - Mandated Coverage › Article 2 - Diabetes Coverage › Section 26-20-201 - Diabetes Coverage Required.

26-20-201. Diabetes coverage required.
(a) All individual and group health insurance policies providing coverage on an expense incurred basis, individual and group service or indemnity type contracts issued by any insurer including any nonprofit corporation and individual and group service contracts issued by a health maintenance organization, which provide coverage shall also provide coverage for the equipment, supplies and outpatient self-management training and education, including medical nutrition therapy for the treatment of insulin-dependent diabetes, insulin-using diabetes, gestational diabetes and noninsulin using diabetes if prescribed by a health care professional legally authorized to prescribe such items under law. Covered diabetes outpatient self-management training and education shall be provided by a certified, registered or licensed health care professional with expertise in diabetes. For purposes of this section, required covered outpatient self-management training and education shall be limited to:
(i) A one-time evaluation and training program when medically necessary, within one (1) year of diagnosis;
(ii) Additional medically necessary self-management training shall be provided upon a significant change in symptoms, condition or treatment. This additional training shall be limited to three (3) hours per year.
(b) The benefits provided under this section shall be subject to the same annual deductibles or coinsurance established for all other covered benefits within a given policy. Private third-party payors may not reduce or eliminate coverage due to the requirements of this section. Enforcement of this section shall be performed by the commissioner or his designee.
(c) This section shall apply to a private health benefit plan as defined under W.S. 26-1-102(a)(xxxiii) delivered or issued on or after July 1, 2001.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 20 - Mandated Coverage › Article 4 - Inherited Enzymatic Disorder Coverage › Section 26-20-401 - Inherited Enzymatic Disorder Coverage Required.

26-20-401. Inherited enzymatic disorder coverage required.
(a) All individual and group health insurance policies providing coverage on an expense incurred basis, individual and group service or indemnity type contracts issued by any insurer including any nonprofit corporation and individual and group service contracts issued by a health maintenance organization or delivered on or after July 1, 2013, shall provide coverage for the equipment, supplies and outpatient self-management training and education, including medical nutrition therapy for the treatment of inherited enzymatic disorders caused by single gene defects involved in the metabolism of amino, organic and fatty acids if prescribed by a health care professional legally authorized to prescribe such items under law. Covered inherited enzymatic disorder outpatient self-management training and education shall be provided by a certified, registered or licensed health care professional with expertise in inherited enzymatic disorders. For purposes of this section, required covered outpatient self-management training and education shall be limited to:
(i) A one (1) time evaluation and training program when medically necessary, within one (1) year of diagnosis;
(ii) Additional medically necessary self-management training shall be provided upon a significant change in symptoms, condition or treatment.
(b) For purposes of this section, "inherited enzymatic disorders" includes and is limited to phenylketonuria, maternal phenylketonuria, maple syrup urine disease, tyrosinemia, homocystinuria, histidinemia, urea cycle disorders, hyperlysinemia, glutaric acidemias, methylmalonic acidemia and propionic acidemia.
(c) The benefits provided under this section shall be subject to the same annual deductibles or coinsurance established for all other covered benefits within a given policy. Private third party payors may not refuse, reduce or eliminate coverage due to the requirements of this section. Enforcement of this section shall be performed by the commissioner or his designee.
(d) This section shall apply to both public and private health benefit plans, as defined in W.S. 26-1-102(a)(xxxiii) and (xxxiv), delivered or issued on or after July 1, 2013.
(e) Repealed by Laws 2020, ch. 87, 3.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 20 - Mandated Coverage › Article 5 - Prescription Eye Drop Refill Coverage › Section 26-20-501 - Prescription Eye Drop Refill Coverage Required.

26-20-501. Prescription eye drop refill coverage required.
(a) All individual and group health insurance policies providing coverage on an expense incurred basis, individual and group service or indemnity type contracts issued by any insurer including any nonprofit corporation and individual and group service contracts or certificates issued by a health maintenance organization which provide coverage for prescription eye drops shall provide coverage for the following:
(i) A renewal of prescription eye drops if:
(A) The renewal is requested by the insured at least twenty-three (23) days for a thirty (30) day supply of eye drops, forty-five (45) days for a sixty (60) day supply of eye drops or sixty-eight (68) days for a ninety (90) day supply of eye drops from the later of the date that the original prescription was distributed to the insured or the date that the last renewal of the prescription was distributed to the insured; and
(B) The original prescription states that additional quantities are needed and that the renewal requested by the insured does not exceed the number of additional quantities needed.
(ii) One (1) additional bottle of prescription eye drops if:
(A) A bottle is requested by the insured or the practitioner at the time the original prescription is filled; and
(B) The original prescription states that one (1) additional bottle is needed by the insured for use in a day care center or school. The additional bottle shall be limited to one (1) every three (3) months.
(b) The benefits provided under this section shall be subject to the same annual deductibles, copayments or coinsurance established for all other covered benefits within a given policy. Private third party payors may not reduce or eliminate coverage due to the requirements of this section.
(c) This section shall apply to both private and public health benefit plans, as defined in W.S. 26-1-102(a)(xxxiii) and (xxxiv), delivered or issued on or after July 1, 2015.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 20 - Mandated Coverage › Article 6 - Oral Chemotherapy Parity › Section 26-20-601 - Oral Chemotherapy Parity With Injectable and Intravenous.

26-20-601. Oral chemotherapy parity with injectable and intravenous.
(a) No individual or group health insurance policy providing coverage on an expense incurred basis, individual and group service or indemnity type contract issued by any insurer including any nonprofit corporation and individual and no group service contract issued by a health maintenance organization, shall require a higher copayment, deductible or coinsurance amount for oral chemotherapy than required for injected or intravenous chemotherapy, regardless of the formulation or benefit category determination by the policy or contract issuer.
(b) No issuer of a health insurance policy or contract shall comply with subsection (a) of this section by increasing the copayment, deductible or coinsurance amount required for covered injected or intravenous chemotherapy or by reclassifying benefits with respect to cancer treatment medications.
(c) This section shall apply to all policies and contracts, as described in subsection (a) of this section, issued or renewed after July 1, 2015.
(d) For purposes of this section, "chemotherapy" means administration of drugs and biologics to kill, slow or prevent the growth of cancerous cells.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 20 - Mandated Coverage › Article 7 - Mental Health and Substance Use Disorder Insurance Parity › Section 26-20-701 - Required Parity for Mental Health and Substance Use Disorder Insurance.

26-20-701. Required parity for mental health and substance use disorder insurance.
(a) All individual or group health insurance policies providing coverage on an expense incurred basis, individual and group service or indemnity type health insurance contracts issued by any insurer, including any nonprofit corporation and individual and group service contracts issued by a health maintenance organization, shall meet the requirements of, and the commissioner may enforce subject to the provisions of this section, the Mental Health Parity and Addiction Equity Act of 2008, 42 U.S.C. 300gg-26, as amended, and the regulations promulgated pursuant thereto as of January 1, 2018. Persons exempt from complying with the Mental Health Parity and Addiction Equity Act shall not be exempted from complying with the requirements of this section if this section otherwise applies to the person. The commissioner may promulgate reasonable rules which establish exemptions from the application of this section.
(b) No policy or contract providing mental health or substance use coverage to which subsection (a) of this section applies shall:
(i) Deny coverage for mental health or substance use services delivered using remote audio or audio-visual delivery systems to a person not physically present with the delivering health care provider if coverage would be provided for the same services when delivered in person;
(ii) Charge a copayment, deductible or coinsurance amount to a person receiving mental health or substance use services through remote audio or audio-visual delivery systems that is higher than the copayment, deductible or coinsurance amount charged for the same services when delivered in person;
(iii) Reduce any payment or reimbursement provided to a health care provider using remote audio or audio-visual delivery systems for the provision of mental health or substance use services to an amount that is less than the payment or reimbursement that would be made to a health care provider rendering those services in person.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 20 - Mandated Coverage › Article 7 - Mental Health and Substance Use Disorder Insurance Parity › Section 26-20-702 - Reimbursement for Mental Health and Substance Use Disorder Benefits.

26-20-702. Reimbursement for mental health and substance use disorder benefits.
(a) As used in this section "mental health and substance use disorder benefits" means benefits for the treatment of any condition or disorder that involves a mental health condition or substance use disorder that falls under any of the diagnostic categories listed in the mental disorders section of the most recent edition of the International Classification of Disease or that is listed in the mental disorders section of the most recent version of the Diagnostic and Statistical Manual of Mental Disorders.
(b) All individual or group health insurance policies providing coverage on an expense incurred basis, individual and group service or indemnity type health insurance contracts issued by any insurer, including any nonprofit corporation and individual and group service contracts issued by a health maintenance organization and individual and group service contracts that provide mental health and substance use disorder benefits shall provide reimbursement for benefits that are delivered through the psychiatric Collaborative Care Model as defined by the American Medical Association's most recent procedural terminology codes and where a licensed and credentialed primary care team consists of a primary care provider, a care manager and a psychiatric consultant.
(c) The benefit and reimbursement requirements of subsection (b) of this section shall not apply to any policy, contract or service that would require the state to defray the cost as specified in 42 U.S.C. 18031(d)(3)(B)(ii).
(d) Nothing in this section shall restrict the health insurer's ability to apply appropriate medical management for the services rendered.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 20 - Mandated Coverage › Article 8 - Anatomical Gifts and Organ Transplantation › Section 26-20-801 - Definitions.

26-20-801. Definitions.
(a) As used in this article:
(i) "Covered person" means a policyholder, subscriber, enrollee, member or individual covered by any policy, contract or certificate listed in W.S. 26-20-802(a) or by any life insurance or long-term care insurance policy;
(ii) "Health insurance issuer" means an entity subject to the insurance laws and regulations of this state, or subject to the jurisdiction of the commissioner, that contracts or offers to contract to provide, deliver, arrange for, pay for or reimburse any of the costs of health care services, including through a policy, contract or certificate listed in W.S. 26-20-802(a), and shall include a sickness and accident insurance company, a nonprofit corporation, a health maintenance organization, a preferred provider organization, or any similar entity, or any other entity providing a plan of health insurance or health benefits.
(iii) "Living organ donor" means a person who is not deceased and who has donated all or part of one (1) or more of the person's own organs or tissues to another person for transplant.
(b) The definitions in W.S. 35-5-301 shall apply to this article.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 20 - Mandated Coverage › Article 8 - Anatomical Gifts and Organ Transplantation › Section 26-20-802 - Discrimination Prohibited.

26-20-802. Discrimination prohibited.
(a) No individual or group health insurance policy providing coverage on an expense incurred basis, individual or group service or indemnity type health insurance contract or certificate issued by any health insurance issuer that provides coverage for anatomical gifts, organ transplants or related treatment and services shall:
(i) Deny coverage of an anatomical gift, organ transplant or related treatment or service to a covered person solely on the basis of the person's disability;
(ii) Deny to a covered person eligibility, or continued eligibility, to enroll or to renew coverage under the terms of the policy, contract or certificate, solely for the purpose of avoiding the requirements of this section or W.S. 35-5-301 through 35-5-303;
(iii) Penalize or otherwise reduce or limit the reimbursement of an attending provider, or provide monetary or nonmonetary incentives to an attending provider, to induce the provider to provide care to a covered person in a manner inconsistent with this section or W.S. 35-5-301 through 35-5-303; or
(iv) Reduce or limit coverage benefits to a covered person for the medical services or other services related to organ transplantation performed pursuant to this section and W.S. 35-5-301 through 35-5-303 as determined in consultation with the attending physician and covered person.
(b) In the case of any policy, contract or certificate listed in subsection (a) of this section that is maintained pursuant to one (1) or more collective bargaining agreements between employee representatives and one (1) or more employers, any policy, contract or certificate amendment made pursuant to a collective bargaining agreement relating to the policy and made solely to conform to any requirement under this section shall not be treated as a termination of the collective bargaining agreement.
(c) Nothing in this section shall require a health insurance issuer to provide coverage for a medically inappropriate organ transplant.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 20 - Mandated Coverage › Article 8 - Anatomical Gifts and Organ Transplantation › Section 26-20-803 - Living Organ Donor Coverage.

26-20-803. Living organ donor coverage.
(a) No individual or group life insurance policy or long-term care insurance policy shall:
(i) Deny or cancel coverage to a covered person solely on the basis of the person's status as a living organ donor;
(ii) Deny a covered person eligibility or continued eligibility to enroll or to renew coverage under the terms of a policy, contract or certificate, solely on the basis of the person's status as a living organ donor;
(iii) Reduce or limit coverage or benefits, increase the premiums or otherwise adversely affect the coverage or cost for a covered person's policy, contract or certificate solely on the basis of the person's status as a living organ donor without any additional separate actuarial risk involved;
(iv) Preclude a covered person from donating all or part of an organ or tissues as a condition of receiving or continuing to receive coverage under a policy, contract or certificate.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 21 - Credit Life and Disability Insurance › Section 26-21-101 - Scope and Applicability of Chapter.

26-21-101. Scope and applicability of chapter.
(a) All life insurance and all disability insurance in connection with loans or other credit transactions is subject to this chapter, except that insurance is not subject to this chapter if:
(i) It is in connection with a loan or other credit transaction of more than ten (10) years; or
(ii) The issuance of that insurance is an isolated transaction by the insurer not related to an agreement or a plan or regular course of conduct for insuring debtors of the creditor.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 21 - Credit Life and Disability Insurance › Section 26-21-102 - Definitions.

26-21-102. Definitions.
(a) For the purpose of this chapter:
(i) "Credit life insurance" means insurance on the life of a debtor pursuant to or in connection with a specific loan or other credit transaction;
(ii) "Credit disability insurance" means insurance on a debtor to provide indemnity for payments becoming due on a specific loan or other credit transaction while the debtor is disabled as defined in the policy;
(iii) "Creditor" means the lender of money or vendor of goods, services or property, including a lessor under a lease intended as a security, rights or privileges, for which payment is arranged through a credit transaction, or any successor to the right, title or interest of any such lender or vendor, and an affiliate, associate or subsidiary of any of them or any director, officer or employee of any of them or any other person in any way associated with any of them;
(iv) "Debtor" means a borrower of money or a purchaser or lessee of goods, services, property, rights or privileges for which payment is arranged through a credit transaction;
(v) "Indebtedness" means the total amount payable by a debtor to a creditor in connection with a loan or other credit transaction.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 21 - Credit Life and Disability Insurance › Section 26-21-103 - Forms of Credit Life and Credit Disability Insurance.

26-21-103. Forms of credit life and credit disability insurance.
(a) Credit life insurance and credit disability insurance shall be issued only in the following forms:
(i) Individual policies of life insurance issued to debtors on the term plan;
(ii) Individual policies of disability insurance issued to debtors on a term plan, or disability benefit provisions in individual policies of credit life insurance;
(iii) Group policies of life insurance issued to creditors providing insurance upon the lives of debtors on the term plan;
(iv) Group policies of disability insurance issued to creditors on a term plan insuring debtors, or disability benefit provisions in group credit life insurance policies to provide disability coverage.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 21 - Credit Life and Disability Insurance › Section 26-21-104 - Amount of Credit Life Insurance.

26-21-104. Amount of credit life insurance.
(a) The initial amount of credit life insurance shall not exceed the total amount repayable under the contract of indebtedness.
(b) If an indebtedness is repayable in substantially equal installments, the amount of insurance shall not exceed the scheduled or actual amount of unpaid indebtedness, whichever is greater.
(c) Notwithstanding subsections (a) and (b) of this section, insurance on agricultural credit transactions not exceeding two (2) years in duration may be written up to the amount of the loan commitment on a nondecreasing or level term plan.
(d) Notwithstanding any other provision of law, insurance on educational credit transaction commitments may be written for the amount of the portion of that commitment that the creditor has not advanced.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 21 - Credit Life and Disability Insurance › Section 26-21-105 - Credit Disability Insurance.

26-21-105. Credit disability insurance.
The total amount of indemnity payable by credit disability insurance in case of disability, as defined in the policy, shall not exceed the aggregate of the periodic scheduled unpaid installments of the indebtedness, and the amount of each periodic indemnity payment shall not exceed the original indebtedness divided by the number of periodic installments.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 21 - Credit Life and Disability Insurance › Section 26-21-106 - Term of Insurance.

26-21-106. Term of insurance.
(a) The term of any credit life insurance or credit disability insurance, subject to the insurer's acceptance, commences on the date when the debtor becomes obligated to the creditor, or the date when the debtor applies for the insurance, whichever is later, except that if a group policy provides coverage with respect to the existing obligations, the insurance on a debtor with respect to the indebtedness commences on the effective date of the policy.
(b) If evidence of insurability is required and that evidence is furnished more than thirty (30) days after the date when the debtor becomes obligated to the creditor, the term of the insurance may commence on the date on which the insurer determines the evidence to be satisfactory, and in that case there shall be an appropriate refund or adjustment of any charge to the debtor for insurance. The term of the insurance shall not extend more than fifteen (15) days beyond the scheduled maturity date of the indebtedness except when extended without additional cost to the debtor.
(c) If the indebtedness is discharged because of renewal or refinancing prior to the scheduled maturity date, the insurance in force shall be terminated before any new insurance may be issued in connection with the renewed or refinanced indebtedness.
(d) In all cases of termination prior to scheduled maturity, a refund shall be paid or credited as provided in W.S. 26-21-109.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 21 - Credit Life and Disability Insurance › Section 26-21-108 - Filing of Policies With Commissioner; Approval or Disapproval; Withdrawal of Approval.

26-21-108. Filing of policies with commissioner; approval or disapproval; withdrawal of approval.
(a) All policies, certificates of insurance, notices of proposed insurance, applications for insurance, endorsements and riders delivered or issued for delivery in this state and the schedule of premium rates pertaining thereto shall be filed with the commissioner.
(b) The commissioner, within thirty (30) days after the filing of any such policies, certificates of insurance, notices of proposed insurance, applications for insurance, endorsements and riders, shall disapprove any such form if the premium rates charged or to be charged are excessive in relation to benefits, or if it contains provisions which are unjust, unfair, inequitable, misleading, deceptive or encourage misrepresentation of the coverage, or are contrary to any provision of this code or of any rule or regulation promulgated under this code. In determining whether to disapprove any form the commissioner shall consider past and prospective loss experience within and outside this state, underwriting practice and judgment to the extent appropriate and any other relevant factors within and outside this state.
(c) If the commissioner notifies the insurer that the form is disapproved, it is unlawful for the insurer to issue or use that form. The commissioner shall specify in the notice the reason for his disapproval and state that a hearing will be granted within twenty (20) days after request in writing by the insurer. No policy, certificate of insurance, notice of proposed insurance, application, endorsement or rider shall be issued or used until the expiration of thirty (30) days after it is filed, unless the commissioner gives his prior written approval thereto.
(d) The commissioner, at any time after a hearing held not less than twenty (20) days after written notice to the insurer, may withdraw his approval of any form on any ground set forth in subsection (b) of this section. The written notice of hearing shall state the reason for the proposed withdrawal.
(e) The insurer shall not issue or use any form after the effective date of withdrawal.
(f) If a group policy of credit life insurance or credit disability insurance is delivered in another state, the insurer shall file only the group certificate and notice of proposed insurance delivered or issued for delivery in this state as specified in W.S. 26-21-107(b) and (d). The commissioner shall approve the forms if they conform with the requirements specified in W.S. 26-21-107(b) and (d) and if the schedules of premium rates applicable to the insurance evidenced by the certificate or notice are not in excess of the insurer's schedules of premium rates filed with the commissioner.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 21 - Credit Life and Disability Insurance › Section 26-21-109 - Schedules of Premiums; Refunds.

26-21-109. Schedules of premiums; refunds.
(a) Any insurer may revise its schedules of premium rates and shall file the revised schedules with the commissioner. No insurer shall issue any credit life insurance or credit disability insurance policy for which the premium rate exceeds that determined by the insurer's schedules then on file with the commissioner.
(b) Each individual policy or group certificate shall provide that if the insurance is terminated prior to the scheduled maturity date of the indebtedness, any refund of an amount paid by the debtor for insurance shall be paid or credited promptly to the person entitled thereto. The commissioner shall prescribe a minimum refund and no refund less than the minimum need be made. The formula to be used in computing the refund shall be filed with and approved by the commissioner.
(c) If a creditor requires a debtor to make any payment for credit life insurance or credit disability insurance and an individual policy or group certificate of insurance is not issued, the creditor shall immediately give written notice to the debtor and shall promptly make an appropriate credit to the account.
(d) The amount charged to a debtor for any credit life or credit disability insurance shall not exceed the premiums charged by the insurer, as computed at the time the charge to the debtor is determined.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 21 - Credit Life and Disability Insurance › Section 26-21-110 - Collection of Premiums.

26-21-110. Collection of premiums.
The insurance premium or other identifiable charge for credit life or credit disability insurance may be collected from the insured or included in the principal of any loan or other transaction at the time the transaction is completed. If included in the principal of the loan or other transaction, a statement that the premium is included in the principal and the amount of the premium shall be legible on the face of the policy or certificate in a size larger than the type used in the body of the policy or certificate.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 21 - Credit Life and Disability Insurance › Section 26-21-111 - Premium Not Deemed Interest; Gains to Creditor Not Violation.

26-21-111. Premium not deemed interest; gains to creditor not violation.
The premium or cost of credit life or credit disability insurance when issued through any creditor is not deemed interest or charges, or consideration or an amount in excess of permitted charges in connection with the loan or other credit transaction. Any gain or advantage to the creditor arising out of the premium or commission or dividend from the issuance of the insurance is not a violation of any other law of this state.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 21 - Credit Life and Disability Insurance › Section 26-21-112 - Issuance and Delivery of Policies.

26-21-112. Issuance and delivery of policies.
All credit life insurance and credit disability insurance policies shall be delivered or issued for delivery in this state only by an insurer authorized to transact insurance in this state and shall be issued only through holders of licenses or authorizations issued by the commissioner.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 21 - Credit Life and Disability Insurance › Section 26-21-113 - Claims.

26-21-113. Claims.
(a) All claims shall be:
(i) Promptly reported to the insurer or its designated claim representative, and the insurer shall maintain adequate claim files;
(ii) Settled as soon as possible and in accordance with the terms of the insurance contract;
(iii) Paid either by draft drawn upon the insurer or by check of the insurer to the order of the claimant to whom payment of the claim is due pursuant to the policy provisions, or upon direction of the claimant to one specified.
(b) No plan or arrangement shall be used whereby any person other than the insurer or its designated claim representative is authorized to settle or adjust claims. The creditor shall not be designated as claim representative for the insurer in adjusting claims, except that a group policyholder, by arrangement with the group insurer, may draw drafts or checks in payment of claims due to the group policyholder subject to the insurer's audit and review.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 21 - Credit Life and Disability Insurance › Section 26-21-114 - Choice of Debtor to Use Existing Insurance or New Insurance for Additional Security.

26-21-114. Choice of debtor to use existing insurance or new insurance for additional security.
If credit life insurance or credit disability insurance is required as additional security for any indebtedness, the debtor, upon request to the creditor, has the option of furnishing the required amount of insurance through existing insurance policies which he owns or controls or of procuring and furnishing the required coverage through any insurer authorized to transact insurance within this state.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 22 - Hospital or Medical Service Insurance and Prepaid Health Service Plans › Article 1 - Reimbursement Under Medical Service Contract or Disability Insurance Policy › Section 26-22-101 - Reimbursement for Health Services Provided by Licensed Practitioner or Registered Dietitian Not to Be Denied.

26-22-101. Reimbursement for health services provided by licensed practitioner or registered dietitian not to be denied.
(a) Notwithstanding any provision of any medical service contract or policy of disability insurance or certificate to the contrary if a medical service contract or insurance policy or certificate provides for reimbursement to the insured or subscriber for health services, reimbursement in amounts provided under the contract or insurance policy shall not be denied if the services are rendered to the insured or subscriber by a person licensed under the laws of this state to treat the illness or disability or perform the health services covered by the contract or policy. Nothing in this section prevents the insured from contracting with the insurer for direct payment of policy proceeds to the provider of health services.
(b) For purposes of reimbursements provided by subsection (a) of this section for dietary services, a dietitian registered with the commission on dietetic registration of the American dietetic association shall be deemed a "person licensed" within the meaning of subsection (a) and benefits otherwise provided by the contract shall be provided. Nothing in this section shall require a disability insurer to pay for services provided by a dietitian or a registered dietitian unless otherwise provided as a benefit in the contract or policy.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 22 - Hospital or Medical Service Insurance and Prepaid Health Service Plans › Article 1 - Reimbursement Under Medical Service Contract or Disability Insurance Policy › Section 26-22-102 - Requirements of Accident and Sickness Insurance to Tax Supported Institutions.

26-22-102. Requirements of accident and sickness insurance to tax supported institutions.
(a) No individual or group policy of accident and sickness insurance delivered or issued for delivery to any person in this state which provides coverage for mental illness or intellectual disability or both shall exclude benefits for the care or treatment of the mental illness or intellectual disability provided by a tax supported institution of the state, provided:
(i) The institution establishes and actively utilizes appropriate professional standard review organizations according to W.S. 35-17-101, or comparable peer review programs;
(ii) The operation of the institution is subject to review according to federal and state law; and
(iii) Charges are made for the services.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 22 - Hospital or Medical Service Insurance and Prepaid Health Service Plans › Article 1 - Reimbursement Under Medical Service Contract or Disability Insurance Policy › Section 26-22-103 - Applicability; Compliance by Use of Endorsements or Riders.

26-22-103. Applicability; compliance by use of endorsements or riders.
W.S. 26-22-102 and this section apply to all accident and sickness policies issued and delivered in the state or issued for delivery in the state after January 1, 1976, but do not apply to any policies issued and delivered in the state or issued for delivery in the state prior to that date. With respect to any policy forms approved by the insurance commission prior to January 1, 1976, an insurer is authorized to achieve compliance by the use of endorsements or riders if the endorsements or riders are approved by the insurance commission as being in compliance with W.S. 26-22-102.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 22 - Hospital or Medical Service Insurance and Prepaid Health Service Plans › Article 1 - Reimbursement Under Medical Service Contract or Disability Insurance Policy › Section 26-22-104 - Reimbursement for Health Care; Includes Health Care by Psychologists.

26-22-104. Reimbursement for health care; includes health care by psychologists.
Notwithstanding any provisions in policies or contracts or certificates issued as evidence thereof which might be construed to the contrary, from and after July 1, 1985, all individual and group or blanket policies of accident and sickness insurance or individual or group service or indemnity contracts issued by a corporation including corporations which provide health care to its employees as a benefit of employment which are issued, delivered, issued for delivery, amended or renewed in this state or which cover any risk resident, located or to be performed in this state and which provide coverage for diagnostic and therapeutic services which are within the lawful scope of practice of a psychologist duly licensed to practice, shall be deemed to provide that any person covered under the policies or contracts is entitled to receive reimbursement for the services under the policies or contracts if they are rendered by a duly licensed doctor of medicine or a duly licensed psychologist.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 22 - Hospital or Medical Service Insurance and Prepaid Health Service Plans › Article 2 - Group Health Insurance Conversion › Section 26-22-201 - Group Health Insurance Conversion.

26-22-201. Group health insurance conversion.
A group policy or certificate delivered or issued for delivery in this state which provides hospital, surgical or major medical expense insurance, or any combination of these coverages, on an expense incurred basis, but not a policy which provides benefits for specific diseases or for accidental injuries only, shall provide that an employee or member whose insurance under the group policy has been terminated for any reason and who has been continuously insured under the group policy, and under any group policy providing similar benefits which it replaces, for at least three (3) months immediately prior to termination, is entitled to have the insurer issue to him a policy of health insurance, referred to in this article as the converted policy. An employee or member is not entitled to have a converted policy issued to him if termination of his insurance under the group policy occurred because he failed to pay any required contribution, or any discontinued group coverage was replaced by similar group coverage within thirty-one (31) days from the date of discontinuation.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 22 - Hospital or Medical Service Insurance and Prepaid Health Service Plans › Article 3 - Prepaid Hospital, Medical-Surgical or Other Health Service Plans › Section 26-22-301 - Prepaid Hospital, Medical-Surgical or Other Health Service Plans Subject to Provisions of Code; Exceptions.

26-22-301. Prepaid hospital, medical-surgical or other health service plans subject to provisions of code; exceptions.
(a) Any corporation which establishes, maintains or operates prepaid hospital, medical-surgical or other health service plans, or combination thereof, in which hospital, medical-surgical or other health service may be provided to its members or subscribers by hospitals or physicians with which the corporation has contracted for that purpose, is transacting insurance and subject to regulation and taxation as an insurer under this code.
(b) This section does not apply to company-operated or employee-operated organizations, not covered by hospital or sickness insurance, but formed and operated for the purpose of providing hospital or medical services supported or financed by dues paid to the associations by or on behalf of those who are employees or pensioners of the company.
(c) This section does not apply to a direct primary care agreement as defined in W.S. 26-1-104(a)(vi).
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 22 - Hospital or Medical Service Insurance and Prepaid Health Service Plans › Article 4 - Insurance Continuation for Dependents With Disabilities › Section 26-22-401 - Required Provision of Individual or Group Policy or Contract.

26-22-401. Required provision of individual or group policy or contract.
(a) Any individual or group hospital or medical expense insurance policy or hospital service plan contract or medical service plan contract, delivered or issued for delivery in this state which provides that coverage of a dependent child of a policyholder or subscriber, or of an employee or other member of the covered group, as the case may be, terminates upon attainment of the limiting age for dependent children specified in the policy or contract, shall also provide in substance that attainment of the limiting age does not terminate the child's coverage while the child is and continues to be both:
(i) Incapable of self-sustaining employment by reason of intellectual disability or physical disability; and
(ii) Chiefly dependent upon the policyholder or subscriber, or the employee or other member of the covered group, as the case may be, for support and maintenance, provided proof of the incapacity and dependency is furnished to the insurer or hospital service plan corporation or medical service plan corporation by the policyholder or subscriber, or employee or other member of the covered group, as the case may be, within thirty-one (31) days of the child's attainment of the limiting age and subsequently as the insurer or corporation requires but not more frequently than annually after the two (2) year period following the child's attainment of the limiting age.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 22 - Hospital or Medical Service Insurance and Prepaid Health Service Plans › Article 5 - Health Care Reimbursement Reform › Section 26-22-502 - Definitions.

26-22-502. Definitions.
(a) As used in this article:
(i) "Group" means any individual, partnership or corporation employing individuals in any occupation, or any labor union or other association representing such individuals if those individuals would qualify as an eligible group under W.S. 26-19-102(a)(i), (ii), (iii) or (viii) or any other number of individuals organized or united for a common purpose including any purpose specified in this article;
(ii) "Health care services" means health care services or products rendered or sold by a provider within the scope of the provider's license or legal authorization and includes, but is not limited to, hospital, medical, surgical, dental, vision and pharmaceutical services or products;
(iii) "Insured" means an individual entitled to reimbursement for expenses of health care services under an agreement between a group and a provider or under a policy or subscriber contract issued or administered by an insurer;
(iv) "Insurer" means an insurance company or a health service corporation authorized in this state to issue policies or subscriber contracts which reimburse for expenses of health care services;
(v) "Provider" means an individual or entity licensed or legally authorized to provide health care services.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 22 - Hospital or Medical Service Insurance and Prepaid Health Service Plans › Article 5 - Health Care Reimbursement Reform › Section 26-22-503 - Policies With Incentives or Limits on Reimbursement Authorized; Conditions.

26-22-503. Policies with incentives or limits on reimbursement authorized; conditions.
(a) Notwithstanding any other provision of law to the contrary:
(i) Any provider may enter into a written agreement with any group or insurer relating to health care services which may be rendered to insureds, including amounts to be charged the insured for services rendered;
(ii) Any group or insured may contract with insurers to issue policies which:
(A) Include incentives for the insured;
(B) Limit reimbursement for health care services.
(iii) Before entering into any written agreement under paragraph (a)(i) of this section, the group or insurer shall establish terms and conditions to be required of any provider interested in entering into the agreement. In no event shall the established terms and conditions discriminate against any Wyoming provider nor shall any Wyoming provider willing to meet the established terms and conditions be denied the right to enter into any written agreement;
(iv) This section shall not be construed to expand the scope of coverage as defined by any agreement.
(b) In no event may an insurer deny or limit reimbursement to an insured under this article on the grounds that the insured was not referred to the provider by a person acting on behalf of or under an agreement with the insurer.
(c) Any group may contract with an insurer, preferred provider organization or health maintenance organization for provision of medical services outside of Wyoming for the insureds of that group, provided the insureds are not restricted from utilizing any Wyoming provider who provides the same health care services.
2023 Wyoming Statutes › Title 26 - Insurance Code › Chapter 22 - Hospital or Medical Service Insurance and Prepaid Health Service Plans › Article 5 - Health Care Reimbursement Reform › Section 26-22-504 - Refusal to Contract or Compensate for Covered Services.

26-22-504. Refusal to contract or compensate for covered services.
An insurer shall not refuse to contract with or compensate for covered services an otherwise eligible health care provider solely because that provider has in good faith communicated with one (1) or more of his current, former or prospective patients regarding the provisions, terms or requirements of the insurer's products as they related to the needs of that provider's patients.