reglab/statecodes huggingface dataset:
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 11 - RULES GOVERNING FILINGS OF FORMS FOR PROPERTY, CASUALTY, SURETY, MARINE AND TRANSPORTATION INSURANCE › Section 11-4 - Alternative Filing Procedures

Current through July 13, 2024
(a) An advisory organization may submit a
				form to the Commissioner for conditional approval. No form will be considered
				filed unless it is adopted for use by one or more admitted insurance companies
				by one of the following two methods:
(i)
				First Alternative Method. After a form is submitted by an advisory organization
				for conditional approval and the advisory organization is advised that the form
				is conditionally approved, any admitted insurance company may adopt the form
				for use in Wyoming by submitting a certificate executed by an authorized
				company official that the company is adopting the form identified by the system
				approved under paragraph (c) of this Section for use in Wyoming; and that the
				form will be offered in Wyoming.
(ii) Second Alternative Method. An insurance
				company which is a member or subscriber of an advisory organization may adopt
				all or substantially all forms of the advisory organization which are or become
				conditionally approved in this state by filing a single certificate executed by
				an authorized company official that the company is adopting all forms
				conditionally approved except those the company specifically identifies to the
				Wyoming Insurance Department in writing within 60 days of the date of
				conditional approval notification to the advisory organization. The certificate
				shall attest that the insurance company will make the form available for use in
				Wyoming under the company's underwriting standards for the insurance offered
				under each form, until withdrawn or unless accepted within 60 days as provided
				here.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 11 - RULES GOVERNING FILINGS OF FORMS FOR PROPERTY, CASUALTY, SURETY, MARINE AND TRANSPORTATION INSURANCE › Section 11-5 - Availability of Filed Forms

Current through July 13, 2024
Companies shall offer to Wyoming residents any forms which it
				  filed with the Wyoming Insurance Department. Failure to make the form
				  available, under applicable underwriting standards, will be deemed an unfair
				  trade practice in violation of W.S. §§
									
										26-13-102,
				  26-13-104, and
				  26-13-116. An insurer may withdraw
				  any form for use in Wyoming at any time. Nothing contained here shall authorize
				  midterm cancellation of any issued policy form.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 11 - RULES GOVERNING FILINGS OF FORMS FOR PROPERTY, CASUALTY, SURETY, MARINE AND TRANSPORTATION INSURANCE › Section 11-6 - Annual Forms Listing

Current through July 13, 2024
On or before June 1 each year, each insurance company shall
				  submit a list which sufficiently identifies each form it used in
				  Wyoming.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 11 - RULES GOVERNING FILINGS OF FORMS FOR PROPERTY, CASUALTY, SURETY, MARINE AND TRANSPORTATION INSURANCE › Section 11-7 - Company Forms File

Current through July 13, 2024
Each insurance company shall maintain a file, accessible to
				  the Commissioner, containing a copy of each form available for use in Wyoming.
				  Each insurance company and advisory organization shall submit a copy of any
				  form available for use in Wyoming within 10 days after a request by the
				  Commissioner.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 11 - RULES GOVERNING FILINGS OF FORMS FOR PROPERTY, CASUALTY, SURETY, MARINE AND TRANSPORTATION INSURANCE › Section 11-8 - Effective Date

Current through July 13, 2024
This regulation shall become effective upon filing with the
				  Secretary of State.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 11 - RULES GOVERNING FILINGS OF FORMS FOR PROPERTY, CASUALTY, SURETY, MARINE AND TRANSPORTATION INSURANCE › Section 11-9 - Company Forms File

Current through July 13, 2024
Each insurance company shall maintain a file, accessible to
				  the commissioner, containing a list or copy of each form approved for use in
				  Wyoming. Each insurance company and advisory organization shall submit a copy
				  of any form it is using in Wyoming within 10 days after a request by the
				  commissioner.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 11 - RULES GOVERNING FILINGS OF FORMS FOR PROPERTY, CASUALTY, SURETY, MARINE AND TRANSPORTATION INSURANCE › Section 11-10 - Effective Date

Current through July 13, 2024
This regulation shall become effective immediately upon
				  filing with the Secretary of State.
STATEMENT OF PRINCIPAL REASONS
FOR
Amendments to Chapter 11 of Wyoming Insurance Department
				  Regulation
Rules Governing Filings Of Forms For Property.
				  Casualty. Surety. Marine and Transportation Insurance
The amendments to this Chapter, entitled
Rules
				  Goyerning Filings of Forms For Property. Casualty. Surety. Marine and
				  Transportation Insurance,
are to change the requirement from a
				  yearly exemption filing requirement to a single filing and to the chapter
				  numbering and the chapter pagination.
Section 6(a) presently requires a yearly filing on the part
				  of companies subject to this regulation. There are presently approximately
				  twenty (20) companies so subject. The statute from which this regulation is
				  derived does not require yearly exemption filings. The proposed amendments will
				  allow for a onetime exemption filing subject to the other provisions of the
				  Wyoming Insurance Code and Regulations for withdrawal of the exemption by a
				  company or revocation or suspension by the Wyoming Insurance Department. These
				  changes will result in less paperwork for the companies and for the State of
				  Wyoming without limiting this department's authority as a regulatory agency.
				  Presently the Chapter is designated by the
Roman
number symbol
"XI."
It will be amended to be designated by the
Arabic
number symbol
"11."
Pagination of the chapter will be amended from the present
				  continuous and sequential numbering from chapter-to-chapter, to
				  chapter-specific numbering. As an example, each page will be designated first
				  by a chapter number and then page number, as in 11-1, 11-2, 11-3, etc. Amending
				  the method by which the pages are numbered will allow for simpler amendments in
				  the future, and for easier reader identification of the chapter and pages with
				  which they are concerned.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 12 - REGULATION GOVERNING REPLACEMENT OF LIFE INSURANCE POLICIES AND ANNUITIES › Section 12-1 - Authority

Current through July 13, 2024
These rules and regulations governing the replacement of life
				  insurance policies and annuities in the State of Wyoming supplement the
				  provisions of
				  W.S.
				  26-13-102, W.S. W.S.
				  W.S.
				  26-13-103, W.S. W.S.
				  W.S.
				  26-13-104, W.S. W.S.
				  W.S.
				  26-13-105, W.S. W.S.
				  W.S.
				  26-13-106, W.S. W.S.
				  W.S.
				  26-13-107, W.S. W.S.
				  W.S.
				  26-15-109, and W.S. W.S.
				  W.S.
				  26-15-110. They are promulgated by authority
				  of and pursuant to the Wyoming Administrative Procedure Act (W.S. W.S.
				  W.S.
				  16-3-101 through W.S. W.S.
				  W.S.
				  16-3-115 ) and Wyoming Insurance Code (W.S.
				  W.S. W.S.
				  26-2-110 and W.S. W.S.
				  W.S.
				  26-2-125 ).
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 12 - REGULATION GOVERNING REPLACEMENT OF LIFE INSURANCE POLICIES AND ANNUITIES › Section 12-2 - Purpose

Current through July 13, 2024
The purpose of this Regulation is:
(a) To regulate the activities of insurers,
				and producers with respect to the replacement of existing life insurance and
				annuities.
(b) To protect the
				interests of life insurance and annuity purchasers by establishing minimum
				standards of conduct to be observed in replacement transactions by:
(i) Assuring that purchasers receive
				information with which a decision can be made in his or her own best
				interest;
(ii) Reducing the
				opportunity for misrepresentation and incomplete disclosures; and
(iii) Establishing penalties for failure to
				comply with requirements of this Regulation.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 12 - REGULATION GOVERNING REPLACEMENT OF LIFE INSURANCE POLICIES AND ANNUITIES › Section 12-3 - Definitions

Current through July 13, 2024
(a) "Replacement" means any transaction in
				which new life insurance or a new annuity is to be purchased, and it is known
				or should be known to the proposing producer or to the proposing insurer if
				there is no producer, that by reason of such transaction, existing life
				insurance or annuity has been or is to be:
(i) Lapsed, forfeited, surrendered, or
				otherwise terminated;
(ii)
				Converted to reduced paid-up insurance, continued as extended term insurance,
				or otherwise reduced in value by the use of nonforfeiture benefits or other
				policy values;
(iii) Amended so as
				to effect either a reduction in benefits or in the term for which coverage
				would otherwise remain in force or for which benefits would be paid;
(iv) Reissued with any reduction in cash
				value; or
(v) Pledged as collateral
				or subjected to borrowing, whether in a single
loan or under a schedule of borrowing over a period of time
				  for amounts in the aggregate exceeding twenty-five percent (25%) of the loan
				  value set forth in the policy.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 12 - REGULATION GOVERNING REPLACEMENT OF LIFE INSURANCE POLICIES AND ANNUITIES › Section 12-4 - Exemptions

Current through July 13, 2024
Unless otherwise specifically included, this Regulation shall
				  not apply to transactions involving:
(a) Credit life insurance;
(b) Group life insurance or group
				annuities;
(c) An application to
				the existing insurer that issued the existing life insurance and a contractual
				change or a conversion privilege is being exercised;
(d) Proposed life insurance that is to
				replace life insurance under a binding or conditional receipt issued by the
				same company; and
(e) Transactions
				where the replacing insurer and the existing insurer are the same, or are
				subsidiaries or affiliates under common ownership or control; provided,
				however, producers proposing replacement shall comply with the requirements of
				Section 5(a).
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 12 - REGULATION GOVERNING REPLACEMENT OF LIFE INSURANCE POLICIES AND ANNUITIES › Section 12-5 - Duties of Producers

Current through July 13, 2024
(a) Each producer
				who initiates the application shall submit to the insurer to which an
				application for life insurance or annuity is presented, with or as part of each
				application:
(i) A statement signed by the
				applicant as to whether replacement of existing life insurance or annuity is
				involved in the transaction; and
(ii) A signed statement as to whether the
				producer knows replacement is or may be involved in the transaction.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 12 - REGULATION GOVERNING REPLACEMENT OF LIFE INSURANCE POLICIES AND ANNUITIES › Section 12-6 - Duties of All Insurers

Current through July 13, 2024
Each insurer shall:
(a) Inform its field representatives or other
				personnel responsible for compliance with this Regulation of the requirements
				of this Regulation.
(b) Require
				with or as a part of each completed application for life insurance or annuity a
				statement signed by the applicant as to whether such proposed insurance or
				annuity will replace existing life insurance or annuity.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 12 - REGULATION GOVERNING REPLACEMENT OF LIFE INSURANCE POLICIES AND ANNUITIES › Section 12-7 - Duties of Insurers That Use Producers

Current through July 13, 2024
Each insurer that uses a producer in a life insurance or
				  annuity sale shall:
(a) Require with or
				as part of each completed application for life insurance or annuity, a
				statement signed by the producer as to whether he or she knows replacement is
				or may be involved in the transaction.
(b) Where a replacement is involved:
(i) Require from the producer with the
				application for life insurance or annuity a list of all the applicant's
				existing life insurance or annuity to be replaced and a copy of the Replacement
				Notice provided the applicant pursuant to Section 5(b)(i). Such existing life
				insurance or annuity shall be identified by name of insurer, insured and
				contract number. If a number has not been assigned by the existing insurer,
				alternative identification, such as an application or receipt number, shall be
				listed.
(ii) Send to each existing
				insurer a written communication advising of the replacement or proposed
				replacement and the identification information obtained pursuant to Section
				7(b)(i). This written communication shall be made within three (3) working days
				of the date the application is received in the replacing insurer's home or
				regional office, or the date the proposed policy or contract is issued,
				whichever is sooner.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 12 - REGULATION GOVERNING REPLACEMENT OF LIFE INSURANCE POLICIES AND ANNUITIES › Section 12-8 - Duties of Insurers to Direct Response Sales

Current through July 13, 2024
Each insurer shall:
(a) Inform its personnel responsible for
				compliance with this Regulation of the requirements of this
				Regulation;
(b) Require with or as
				a part of each completed application for insurance a statement signed by the
				applicant as to whether such proposed insurance will replace existing
				insurance;
(c) Where a replacement
				is proposed by an insurer in the solicitation of a direct-response sale or it
				is known by the insurer on the date of application that a replacement will
				occur:
(i) Provide the applicant or
				prospective applicant with or as part of the
application the "Replacement Notice" (Exhibit A), or other
				  substantially similar form approved by the commissioner, with the request that
				  the applicant properly complete, sign and return a copy of the Notice with the
				  application. In these instances the insurer may delete the references to the
				  producer, including the producer's signature, and references not applicable to
				  the product being sold or replaced, without having to obtain approval of the
				  form from the commissioner. The "Replacement Notice" shall include any
				  applicable surrender charges of the new policy being replaced, any sales
				  charges applicable to the policy being purchased, and any surrender periods
				  and/or charges applicable to the new policy being purchased.
(ii) Send to the existing insurer at its home
				office within three (3) working days of the date the Notice is received, a copy
				of the Notice advising of the replacement or proposed replacement of existing
				insurance. Forwarding of the Notice is not required if the replacing insurer
				and existing insurer are one and the same in name and direct management
				control;
(iii) Maintain copies of
				the Notice, all written communications with respect to replacement, and a
				replacement register, cross-indexed by existing insurer to be replaced, for at
				least three (3) years or until the conclusion of the next regular examination
				by the Insurance Department of its state of domicile, whichever is
				later;
(iv) Provide the applicant
				with a right to an unconditional refund of all premiums paid, which right may
				be exercised within a thirty (30) day period of delivery of the policy or
				contract.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 12 - REGULATION GOVERNING REPLACEMENT OF LIFE INSURANCE POLICIES AND ANNUITIES › Section 12-9 - Penalties

Current through July 13, 2024
(a) A violation of this Regulation shall
				occur if a producer or insurer recommends the replacement or conservation of an
				existing policy by use of a substantially inaccurate presentation or comparison
				of an existing contract's premiums and benefits or dividends and values, if
				any. Any insurer, producer, representative, officer or employee of such insurer
				failing to comply with the requirements of this Regulation shall be subject to
				such penalties as may be appropriate under the Insurance Code.
(b) Patterns of action by policy owners who
				purchase replacing policies from the same producer, after indicating on
				applications that replacement is involved, shall be deemed prima facie evidence
				of the producer's knowledge that replacement was intended in connection with
				the sale of those policies, and such patterns of action shall be deemed prima
				facie evidence of the producer's intent to violate this Regulation.
(c) This Regulation does not prohibit the use
				of additional material other than that which is required that is not in
				violation of this Regulation or any other statute or regulation.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 12 - REGULATION GOVERNING REPLACEMENT OF LIFE INSURANCE POLICIES AND ANNUITIES › Section 12-10 - Severability

Current through July 13, 2024
If any section or portion of a section of this Regulation, or
				  the applicability thereof to any person or circumstance, is held invalid by a
				  court, the remainder of this Regulation, or the applicability of such provision
				  to other persons, shall not be affected thereby.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 13 - HEALTH MAINTENANCE ORGANIZATIONS › Section 13-1 - Authority

Current through July 13, 2024
These rules and regulations governing health maintenance
				  organizations are promulgated by authority of and pursuant to the Wyoming
				  Administrative Procedure Act and Sections
										26-2-110, and
				  26-34-120 of the Wyoming Insurance
				  Code.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 13 - HEALTH MAINTENANCE ORGANIZATIONS › Section 13-3 - Standards

Current through July 13, 2024
(a) The health maintenance organization shall
				develop and institute health care services which assure the enrollees adequate
				medical care which is available and accessible in accordance with the
				enrollees' plan.
(b) A progressive,
				preventive health program is required which is developed according to the
				prevailing health factors predominate in the enrollee population.
(c) In reviewing material submitted, the
				commissioner will recognize that there are differences between the practices
				and procedures of a group practice and that of an individual practice
				arrangement, that either arrangement can be utilized in an HMO setting and that
				these differences will necessarily affect the structure and operation of an
				HMO.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 13 - HEALTH MAINTENANCE ORGANIZATIONS › Section 13-4 - Definitions

Current through July 13, 2024
Terms used shall have the same meaning as defined by
				  Sections
										26-1-102 and
				  26-34-102 of the Wyoming Insurance
				  Code and are herein clarified accordingly. Terms used herein, which are not
				  defined by the Wyoming Insurance Code, are defined as follows:
(a) "Inpatient medical care" shall include,
				but is not limited to, medical and surgical care received in a hospital
				environment;
(b) "Outpatient
				services" means those services which may be rendered in, but are not limited to
				clinics, private offices, and hospital based outpatient services as a minimum,
				and may include but are not limited to surgery centers, radiation therapy
				centers, and nursing homes;
(c)
				"Medical director" means a physician licensed to practice in the State of
				Wyoming; and
(d) "Certification"
				means approval by a branch of the Federal government to perform reimbursable
				services.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 13 - HEALTH MAINTENANCE ORGANIZATIONS › Section 13-5 - Organization

Current through July 13, 2024
(a) The HMO will be organized in a manner
				which allows attainment of its stated mission which as a minimum, shall be to
				provide and/or to cause to be provided:
(i)
				Emergency care;
(ii) Inpatient
				hospital and medical-surgical care; and
(iii) Outpatient services.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 13 - HEALTH MAINTENANCE ORGANIZATIONS › Section 13-6 - Facilities and Environment

Current through July 13, 2024
(a) Facilities
				owned and/or operated by the HMO shall have sufficient equipment for
				examination and treatment in accordance with enrollee contracts.
(b) If all or part of the HMO services are to
				be performed by contract with providers of service, the following shall
				pertain:
(i) Said providers of service shall
				be licensed or registered according to applicable state and local
				laws;
(ii) Said providers of
				service which have no licensure requirements may be certified for participation
				in a Federal program. In the event that the providers are not certified or
				licensed pursuant to State or Federal law, then an acceptable quality control
				program must be maintained; and
(iii) Said services being contracted must be
				clearly identifiable listing the name and location of the facility or
				facilities of the contract providers and listing the services offered at each
				location and the service hours.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 13 - HEALTH MAINTENANCE ORGANIZATIONS › Section 13-8 - Accessibility of Services

Current through July 13, 2024
(a) Within each
				service area of a plan, basic health care services and specialized health care
				services shall be readily available and accessible to each of the plan's
				enrollees.
(b) The location of
				facilities providing the primary health care services of the plan shall be
				within reasonable proximity of the business or personal residences of
				enrollees, and so located as to not result in unreasonable barriers to
				accessibility.
(c) Hours of
				operation and provision for after-hour services shall be reasonable.
(d) Emergency health care services shall be
				available and accessible within the service area twenty-four (24) hours a day,
				seven (7) days a week.
(e) The
				ratio of enrollees to staff, including health professionals, administrative and
				other supporting staff, directly or through referrals, shall be such as to
				reasonably assure that all services offered by the plan will be accessible to
				enrollees on an appropriate basis without delays detrimental to the health of
				the enrollees.
(f) A plan shall
				provide accessibility to medically required specialists who are certified or
				eligible for certification by the appropriate specialty board, through
				staffing, contracting, orreferral.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 13 - HEALTH MAINTENANCE ORGANIZATIONS › Section 13-9 - Medical Records

Current through July 13, 2024
(a) Medical records
				shall be maintained by HMO or the appropriate physician and provider of
				service.
(b) Arrangements shall be
				made for the sharing of pertinent medical records between physicians and
				providers within the HMO, while assuring the records'
				confidentiality.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 13 - HEALTH MAINTENANCE ORGANIZATIONS › Section 13-10 - Statistical Information

Current through July 13, 2024
The HMO Will compile, develop, evaluate, and report
				  statistics relating to the cost of operation, the pattern of utilization of
				  services, the accessibility, and availability of the services. Sufficient
				  information Shall be maintained to support continuity and adequate quality of
				  care to the enrollees.
(a) The HMO
				shall maintain a membership file which shall include:
(i) Name of the individual;
(ii) Name and address of the
				subscriber;
(iii) Family
				number;
(iv) Individual's
				identification number;
(v) Date of
				birth;
(vi) Sex;
(vii) Coverage or method of
				payment;
(viii) Insurance
				certificate number or contract number;
(ix) Entry date and reason, if available;
(x) Exit date and reason, if
				available;
(xi) Date of most recent
				verification of information; and
(xii) Such other information as the
				commissioner or the administrator may require.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 13 - HEALTH MAINTENANCE ORGANIZATIONS › Section 13-11 - Annual Statement

Current through July 13, 2024
On or before March 1 of each year, each authorized health
				  maintenance organization shall file with the commissioner, with a copy to the
				  administrator, a full and true statement of its financial condition,
				  transactions and affairs as of December 31 immediately preceding. The statement
				  shall be in the general form and context of, and require information as called
				  for by, the form of annual statement for health maintenance organizations as
				  prescribed by the National Association of Insurance Commissioners, together
				  with any modification the commissioner may require. The statement shall be
				  verified by the oath of the organization's president or vice president and
				  secretary or actuary as applicable.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 13 - HEALTH MAINTENANCE ORGANIZATIONS › Section 13-12 - Complaint Investigation

Current through July 13, 2024
A complaint investigation procedure shall be implemented
				  which assures:
(a) A mechanism through
				which written enrollee complaints may be filed and presented by the enrollee or
				his authorized representative;
(b)
				The source of the complaint, and the date filed;
(c) A written review of the
				complaint;
(d) Provision for
				informal discussions, consultations or conferences between the complainant and
				a person of authority to resolve or recommend the resolution of the complaint
				within thirty (30) days;
(e) A
				description of the conclusions and results; and
(f) Maintenance of a file for all written
				complaints for annual review by the commissioner or the
				administrator.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 13 - HEALTH MAINTENANCE ORGANIZATIONS › Section 13-13 - Reimbursement for Emergency Care

Current through July 13, 2024
The HMO will provide a mechanism to provide for the assurance
				  of reimbursement for emergency care during periods of time the enrollee is out
				  of the HMO service area as specified in their plan.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 13 - HEALTH MAINTENANCE ORGANIZATIONS › Section 13-14 - Licensing and Regulations of Agents; General

Current through July 13, 2024
No person may hold himself out to be an HMO agent or perform
				  the acts of an HMO agent within this state unless such person:
(a) Has a valid disability agent's license
				authorizing him to write disability insurance subject to all applicable
				provisions of Chapter 9 of the Wyoming Insurance Code pertaining to disability
				agents.
(b) Has an appointment by
				an HMO with a valid Wyoming Certificate of Authority.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 13 - HEALTH MAINTENANCE ORGANIZATIONS › Section 13-15 - Penalties

Current through July 13, 2024
Any violation of these regulations shall be punishable under
				  the provisions of Sections
										26-1-107,
				  26-34-118, and
				  26-34-123 of the Wyoming Insurance
				  Code.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 13 - HEALTH MAINTENANCE ORGANIZATIONS › Section 13-16 - Effective Date

Current through July 13, 2024
These regulations shall be effective immediately upon filing
				  with the Secretary of State's office. STATEMENT OF PRINCIPAL REASONS
FOR
Amendments to Chapter 13 of Wyoming Insurance Department
				  Regulation
Regulation Governing Health Maintenance
				  Organizations
The purpose of these regulations is to implement Chapter 34
				  of the Wyoming Insurance Code; "The Health Maintenance Organization Act of
				  1995."
The primary purpose of these amendments is to correct citings
				  in Section 1. Authority, to the Wyoming Insurance Code which have no
				  applicability to the Regulation. W.S. §
									
										26-34-103(e) refers to the
				  commissioner promulgating rules and regulations exempting from the filing
				  requirements under certificate of authority and W.S. §
									
										26-34-115. refers to uncovered expenditures
				  insolvency deposit. Nothing in the Regulation promulgates rules affecting these
				  two areas.
Section 14.
Certificate of need
is eliminated in
				  its entirety as the certificate of need process was repealed in 1986.
				  Subsequent sections are renumbered, accordingly.
Additional amendments to this Chapter are to change the
				  chapter numbering and the chapter pagination.
Presently the Chapter is designated by the
Roman
number symbol
"XIII."
It will
				  be amended to be designated by the
Arabic
number symbol
"13."
Pagination of the chapter will be amended from the present
				  continuous and sequential numbering from chapter-to-chapter, to
				  chapter-specific numbering. As an example, each page will be designated first
				  by a chapter number and then page number, as in 13-1, 13-2, 13-3, etc. Amending
				  the method by which the pages are numbered will allow for simpler amendments in
				  the future, and for easier reader identification of the chapter and pages with
				  which they are concerned.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 14 - CANCELLATION AND NONRENEWAL OF AUTOMOBILE LIABILITY POLICIES › Section 14-1 - Authority

Current through July 13, 2024
These rules are promulgated by the Insurance Commissioner
				  pursuant to Sections
										26-2-109,
				  26-2-110,
				  26-3-120,
				  26-13-116, and
				  16-3-101 to
				  16-3-115, W.S. 1977 as
				  amended.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 14 - CANCELLATION AND NONRENEWAL OF AUTOMOBILE LIABILITY POLICIES › Section 14-2 - Definitions

Current through July 13, 2024
As used in this act:
(a) "Policy" means any automobile policy
				providing automobile liability coverage, uninsured motorist coverage,
				automobile medical payments coverage or automobile physical damage coverage,
				which is delivered or issued for delivery in this state, under the motor
				vehicles therein designated, and are of the following types only;
(i) A motor vehicle of the private passenger
				or the station wagon type, which is not used as a public or livery conveyance
				nor rented to others; or
(ii) Any
				four-wheeled vehicle of the pickup, panel or sedan delivery type not used in
				the occupation, profession or business of the policyholder, other than farming
				or ranching, nor used as a public or livery conveyance nor rented to others;
				or
(iii) Any other four-wheel motor
				vehicle with a gross weight not exceeding 9,000 pounds, which is not used in
				the occupation, profession or business of the policyholder, other than farming
				or ranching, nor used as a public or livery conveyance nor rented to others;
				or
(iv) Motorcycles other than
				those used for commercial purposes; provided that these rules shall not apply:
(A) To any policy which has been in effect
				less than 60 days at the time notice of cancellation is mailed or delivered by
				the insurer unless it is a renewal policy;
(B) To any policy issued under an automobile
				assigned risk plan or Wyoming automobile insurance plan;
(C) To any policy insuring motor vehicles
				under commercial fleet plans;
(D)
				To any policy covering the operation of a garage, automobile sale agency,
				repair shop, service station or public parking place;
(E) To any policy providing insurance only on
				an excess basis;
(F) To any other
				contract providing insurance to such policyholder even though such contract may
				incidentally provide insurance with respect to such motor vehicles.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 14 - CANCELLATION AND NONRENEWAL OF AUTOMOBILE LIABILITY POLICIES › Section 14-3 - No Cancellation of a Policy; Exceptions

Current through July 13, 2024
(a) No
				insurer shall exercise its right to cancel a policy except for the following
				reasons:
(i) Nonpayment of premium;
(ii) The driver's license or motor vehicle
				registration of any one operator residing in the policyholder's household
				(including all insureds, named or otherwise) or who customarily operates a
				motor vehicle insured under the policy has been under suspension or revocation
				during the policy period. The insurer may cancel coverage only to such operator
				by issuing an endorsement to the policy excluding coverage thereunder to such
				operator notwithstanding any omnibus clause contained in the policy. Refusal of
				such restrictive endorsement by said policyholder shall constitute grounds for
				cancellation of the policy. Modification of automobile physical damage coverage
				by applying a deductible amount not exceeding five hundred dollars ($500.00)
				shall not be deemed a cancellation.
(iii) Fraud on the part of the applicant in
				filing out the application.
(iv)
				For any reason determined appropriate by the insurance commissioner after a
				hearing thereon, other than specified in paragraphs (i), (ii), or (iii). such
				hearing shall be held upon petition of the insurer within 15 days after receipt
				of said petition by the insurance commissioner, or within 15 days after notice
				to the policyholder served in accordance with Rule 4 of the Wyoming Rules of
				Civil Procedure, whichever is later.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 14 - CANCELLATION AND NONRENEWAL OF AUTOMOBILE LIABILITY POLICIES › Section 14-4 - Cancellation Procedures

Current through July 13, 2024
No insurer shall exercise its right to cancel a policy unless
				  a written notice of cancellation is mailed or delivered to the last known
				  address of the policyholder at least 20 days prior to the effective date of
				  cancellation, except that when cancellation is for nonpayment of premium, the
				  notice shall be mailed or delivered to the policyholder at the address shown in
				  the policy at least 10 days prior to the effective date of
				  cancellation.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 14 - CANCELLATION AND NONRENEWAL OF AUTOMOBILE LIABILITY POLICIES › Section 14-5 - Refusal to Renew; Exceptions

Current through July 13, 2024
(a) No insurer
				shall refuse to renew a policy unless a written notice of nonrenewal is mailed
				or delivered to the policyholder, at least 30 days prior to the expiration date
				of the policy.
(b) This section
				shall not apply:
(i) In case of nonpayment of
				premium for the expiring policy;
(ii) If the policyholder fails to pay the
				premium as required by the insurer for renewal.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 14 - CANCELLATION AND NONRENEWAL OF AUTOMOBILE LIABILITY POLICIES › Section 14-6 - Notice of Right Under Assigned Risk Plan

Current through July 13, 2024
(a) When automobile
				liability coverage is either canceled or nonrenewed by an insurer, the insurer
				shall notify the policyholder of his possible eligibility for automobile
				insurance through the automobile assigned risk plan or Wyoming automobile
				insurance plan. The notification shall accompany or be included in the notice
				of cancellation or nonrenewal by these rules.
(b) This section shall not apply to
				cancellation or nonrenewal for nonpayment of premium.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 14 - CANCELLATION AND NONRENEWAL OF AUTOMOBILE LIABILITY POLICIES › Section 14-7 - Proof of Mailing

Current through July 13, 2024
Proof of mailing shall be by affidavit of the person so
				  mailing to the last known address of the policyholder, except that cancellation
				  under Section 3(a)(ii) or 3(a)(iv) shall be by affidavit of delivery by the
				  person so making that delivery, or by U.S. mails "return receipt requested". If
				  a return receipt is requested but is returned to the sender marked "refused" or
				  with words of similar character, the sender shall be deemed as having complied
				  with this section.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 14 - CANCELLATION AND NONRENEWAL OF AUTOMOBILE LIABILITY POLICIES › Section 14-8 - Replacement Policy

Current through July 13, 2024
Notwithstanding the failure of an insurer to comply with
				  these rules, termination of any coverage either by cancellation or nonrenewal
				  shall be effective on the effective date of any other liability policy
				  providing substantially similar coverage to the policyholder on the same motor
				  vehicle or any replacement thereof
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 14 - CANCELLATION AND NONRENEWAL OF AUTOMOBILE LIABILITY POLICIES › Section 14-9 - Effective Date

Current through July 13, 2024
These regulations shall become effective immediately upon
				  filing with the Secretary of State.
STATEMENT OF PRINCIPAL REASONS
FOR
Amendments to Chapter 15.1 of Wyoming Insurance Department
				  Regulation
Cancellation And Nonrenewal of Automobile
Liability Policies
Amendments to this Chapter are to change the chapter
				  numbering and the chapter pagination and to renumber Chapter 15.1 to Chapter
				  14. No Chapter 14 is presently designated in the Wyoming Insurance Department
				  Regulations.
A Chapter designation with a "dot-number" (15.1) is not
				  acceptable to the in-state computer programs. For that reason, the present
				  Chapter 15.1 will be redesignated Chapter 14. A chapter number 14 does not
				  presently exist in the regulations for the Wyoming Insurance Department. The
				  Chapter numbers are presently ... 13, 14.1, 15, 15.1, . . ., etc.
The Chapter will be designated by the
Arabic
number symbol
"14."
Pagination of the chapter will be
				  amended from the present continuous and sequential numbering from
				  chapter-to-chapter, to chapter-specific numbering. As an example, each page
				  will be designated first by a chapter number and then page number, as in 14-1,
				  14-2, 14-3, etc. Amending the method by which the pages are numbered will allow
				  for simpler amendments in the future, and for easier reader identification of
				  the chapter and pages with which they are concerned.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 15 - REGULATION GOVERNING RISK RETENTION › Section 15-1 - Authority

Current through July 13, 2024
These rules and regulations governing risk retention and
				  purchasing groups are adopted pursuant to W.S. §§
									
										26-2-110 and
				  26-36-101 et
				  seq.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 15 - REGULATION GOVERNING RISK RETENTION › Section 15-2 - Definitions

Current through July 13, 2024
As used in these rules and regulations:
(a) "authorized" and "admitted" means an
				insurer authorized by a subsisting certificate of authority issued by the
				commissioner to transact insurance in this state;
(b) "liability insurance coverage" means
				liability insurance policy or endorsement forms under which a liability risk
				retention group or liability insurer may undertake to indemnify a liability
				risk retention group or liability purchasing group member;
(c) "unauthorized" and "non-admitted" means
				not authorized to transact insurance in this state by a subsisting certificate
				of authority issued by the commissioner.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 15 - REGULATION GOVERNING RISK RETENTION › Section 15-3 - REGISTRATION, NOTICE AND INFORMATIONAL FILINGS

Current through July 13, 2024
(a)
Foreign Liability Risk Retention
				Group Registration
(i) Any risk
				retention group chartered in a state other than Wyoming, before offering
				liability insurance on any risk located, resident or to be performed in this
				state, shall register with the commissioner, on forms the commissioner
				designates, sworn to by the president or chief executive officer and the
				secretary of the risk retention group pursuant to W.S. §
										
											26-36-105.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 15 - REGULATION GOVERNING RISK RETENTION › Section 15-4 - ELIGIBILITY AND CONDITIONS FOR PROCUREMENT

Current through July 13, 2024
(a)
Group Location
For the purposes of Section Four of these rules and
				  regulations a liability purchasing group shall be deemed located or situated in
				  the state where it is domiciled.
(b)
Direct Production
Any registered risk retention group in this state which
				  utilizes brokers or agents in soliciting, negotiating, procuring or providing
				  liability insurance for its members located or resident in this state shall do
				  so only through brokers or agents licensed in this state. Nothing herein shall
				  be construed to prevent a risk retention group from soliciting, negotiating,
				  procuring or providing liability insurance for its members located or resident
				  in this state directly through its officers, directors, owners, partners,
				  trustees, or full-time salaried employees not licensed as a broker or agent in
				  this state.
(i) Any registered
				purchasing group in this state which utilizes brokers or agents in soliciting,
				negotiating, procuring, or providing liability insurance for its members
				located or resident in this state shall do so only through brokers or agents
				licensed in this state. Nothing herein shall be construed to prevent a
				purchasing group from soliciting, negotiating, procuring or providing liability
				insurance for its members located or resident in this state through an insurer
				admitted in the state in which the purchasing group is located on a direct
				basis through the purchasing group's officers, directors, owners, partners,
				trustees, or full-time salaried employees not licensed as a broker or agent in
				this state.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 15 - REGULATION GOVERNING RISK RETENTION › Section 15-5 - TAXES

Current through July 13, 2024
(a)
Liability Risk Retention Group
				Taxes
Each risk retention group shall file with the commissioner a
				  report of all premiums paid to it for risks insured by it located, resident or
				  to be performed within or properly allocated to this state in a form the
				  commissioner prescribes and requires pursuant to the provisions of W.S. §
									
										26-4-103 and W.S. §
									
										26-36-105(d).
(b)
Purchasing Group Taxes
Premium taxes and taxes on premiums paid for coverage of
				  risks resident or located in this state by a purchasing group or any member of
				  the purchasing groups shall be:
(i)
				Imposed at the same rate and subject to the same interest, fines and penalties
				as that applicable to premium taxes and taxes on premiums paid for similar
				coverage from a similar insurance source by other insureds; and
(ii) Paid first by such insurance source, and
				if not by such source by the agent or broker for the purchasing group, and if
				not by such agent or broker then by the purchasing group, and if not by such
				purchasing group then by each of its members.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 15 - REGULATION GOVERNING RISK RETENTION › Section 15-6 - Tax Delinquency

Current through July 13, 2024
If an insurer, liability risk retention group or risk
				  retention broker agent does not pay the tax on or before March 31 of the year
				  in which due, in accordance with the Wyoming Risk Retention Act and these rules
				  and regulations, the tax is delinquent, and the commissioner may enforce
				  payment thereof by the seizure, distraint and sale of any of the insurer's, the
				  liability risk retention group's or the risk retention broker agent's property
				  within Wyoming.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 16 - REGULATION GOVERNING INSURANCE COMPANY APPOINTMENTS OF PRODUCERS › Section 16-1 - Authority

Current through July 13, 2024
These regulations governing the company appointments of
				  producers are promulgated pursuant to the authority granted by W.S.
				  §§
									
										26-2-110,
				  26-9-213 and
				  26-9-217.