New Jersey Administrative Code › Title 11 - INSURANCE › Chapter 20 - INDIVIDUAL HEALTH COVERAGE PROGRAM › Subchapter 3 - BENEFIT LEVELS AND POLICY FORMS › Section 11:20-3.6 - Optional benefit riders to standard plans

Current through Register Vol. 56, No. 14, July 15, 2024
(a) Members may offer riders that revise the coverage offered by Plans A/50, B, C, D, and HMO, subject to the provisions set forth in (a)1 through 8 below.
1. Before a member may sell a rider or amendment thereof that increases any benefits or increases the actuarial value of Plans A/50, B, C, D, or HMO, the member shall file the rider or amendment thereof with the Board for informational purposes.
2. For purposes of optional benefit riders filed pursuant to (a)1 above, "coverage" offered by Plans A/50, B, C, D, or HMO means:
i. The types and extent of services and supplies described in the "Covered Charges," and "Exclusions" sections of Plans A/50, B, C, and D or the "Covered Services and Supplies" and "Non-Covered Services and Supplies" sections of the HMO plan;
ii. Deductibles, coinsurance, copayments, maximum out of pocket, network maximum out of pocket and non-network maximum out of pocket of Plans A/50, B, C, D and HMO as applicable (including, but not limited to, deductible provisions such as deductible waiver, year-end deductible carry-over, and first dollar coverage), and their applicability in situations involving common accident.
3. For purposes of optional benefit riders filed pursuant to (a)1 above, "coverage" offered by Plans A/50, B, C, D, or HMO does not include:
i. Provider networks;
ii. Coverage which is specifically excluded from the definition of "health benefits plan" in 11:20-1.2, except for dental coverage where the additional dental coverage is subject to the standard plan's deductible and coinsurance or copayment schedule, as applicable; or
iii. Benefits which are other than those provided under a "health benefits plan" as defined at N.J.A.C. 11:20-1.2.
4. In addition to (a)1, 2, and 3 above, any benefit rider shall be subject to the provisions of 17B:27A-4 and 17B:27A-6.
5. The inclusion of an optional benefit rider with Plan A/50, B, C, D, or HMO creates Plan A/50, B, C, D, or HMO as amended by the rider and while a plan amended by a rider creates a unique plan, such unique plan continues to be known as Plan A/50, B, C, D, or HMO. The inclusion of an optional benefit rider resulting in a unique plan does not create another standard plan.
6. An individual seeking to purchase Plan A/50, B, C, D, or HMO must be given the opportunity to purchase Plan A/50, B, C, D, or HMO without a rider as well as all plans created by the inclusion of the rider.
7. A member making an informational filing to the Board pursuant to (a)1 above shall:
i. Submit one copy of the filing and any related materials to the Board at the address specified at 11:20-2.1;
ii. Submit one copy of the rider or riders which amend the standard plans, which rider or riders shall include cross-references to the standard plan provisions or sections and/or pages which are being modified;
iii. Specify whether the rider or amendment thereof is to be used in connection with standard health benefit Plans A/50, B, C, D or HMO and provide clear and conspicuous notice of such on the forms submitted for each rider;
iv. The standard plan language shall not be altered, and the benefit modifications shall appear only on the rider or riders;
v. Submit the standard plan page or pages which are affected by the rider or riders marked to identify which provisions are affected by the rider or riders; and
vi. Submit a certification signed by a duly authorized officer of the member that states clearly:
(1) That the rider or amendment thereof increases a benefit or benefits and does not include a decrease of any benefits or decrease in the actuarial value of standard health benefits Plan A/50, B, C, D, or HMO;
(2) That the filing is complete and in accordance with all the requirements of this subsection and applicable New Jersey statutes and regulations;
(3) That the member will offer the plans created by the inclusion of the rider to all individuals seeking to purchase the health benefits plans;
(4) That a rate filing for the plans created by the inclusion of the rider has been made with the Commissioner pursuant to N.J.A.C. 11:20-6; and
(5) If amending a plan, or a plan and a rider or riders, sold through or in conjunction with a selective contracting arrangement, that the plan as ridered continues to comply with the requirements set forth in 11:4-37.3.
8. The Board shall notify a member in writing of its determination of whether an informational filing is complete and in compliance with the requirements of this subchapter within 45 days of the Board's receipt of the member's submission of a rider. If the Board does not notify a member of its determination with respect to an informational filing within 45 days of the Board's receipt of the submission, the informational filing shall be deemed complete and in compliance.
i. If an informational filing is incomplete or not in compliance, the notification shall provide the reasons the filing is incomplete or not in compliance and what additional information needs to be submitted by the member. The member shall provide the Board with the necessary information such that the filing will be complete and in compliance. Upon receipt of notice from the Board that a filing is incomplete or not in compliance, the member shall not sell the rider until the member has received written notice from the Board that the informational filing is complete and in compliance.
ii. If the Board takes no action within 45 days of receipt by the Board of a member's submission of information requested by the Board, the filing shall be deemed to be complete and in compliance.