Colorado Insurance Law and Cleft Lip and Cleft
- Slides: 15
Colorado Insurance Law and Cleft Lip and Cleft Palate Coverage Dayle Axman, FLMI, ACS, AIE, AIS Colorado Division of Insurance October 10, 2015
Introduction to the Division of Insurance v Regulate insurance to ensure that insurance rates are not excessive, inadequate, or unfairly discriminatory v Give consumers the greatest choice of policies at the most reasonable cost possible v Permit and encourage open competition between insurers on a sound financial basis • CRS 10 -1 -101
Finance and Administration v Actuarial v Financial Examiners v Corporate Affairs v Rates and Forms § Life and Health § Property and Casualty v Financial Affairs v Market Regulation
Consumer Affairs v Consumer Affairs Life and Health n Property and Casualty n v Senior Health Insurance Program (SHIP/SMP) v Compliance v Licensing and Investigations
Consumer Protection v Consumer Affairs § Complaint process § Referral to Market Regulation for enforcement action § Referral to Licensing and Investigations v Market Regulation n n Market Analysis Targeted Market Conduct Examinations
Consumer Affairs v Education § 13, 000 calls, emails and written inquiries v Consumer Recoveries (Fiscal Year 2014 -2015) § $7, 436, 522 for all lines of insurance
How do I know if my plan is a Colorado-regulated plan? Check your member ID card: Does it have a “CO-DOI” designation on it? If so, Colorado insurance laws apply and the Division can help you.
What Can’t the Division Help With? v Individual policies issued in other states v Health plans that are “self-funded” by employers v Single employer plans where the master contract is issued in another state v Medicare and Medicaid v Federal employee benefit plans
Cleft coverage mandates in other states 15 other states have some type of mandated coverage*: ü California ü New York ü Connecticut ü North Carolina ü Florida ü South Carolina ü Indiana ü Texas ü Louisiana ü Vermont ü Maryland ü Virginia ü Massachusetts ü Wisconsin ü Minnesota * According to Cleft. Advocate. org and the internet
Section 10 -16 -104(1)(c)(II), C. R. S. Effective July 1, 1975 Generally covers cleft lip, cleft palate, or any condition or illness which is related to or developed as a result of the cleft lip or cleft palate and there is no age limit. Provides medically necessary coverage for: ü Oral and facial surgery
Coverage (continued) ü Surgical management and follow-up care by plastic and oral surgeons ü Prosthetic treatment, such as: § Obturators § Speech appliances § Feeding appliances
Coverage (continued) ü Orthodontic treatment ü Prosthodontic treatment ü Habilitative speech therapy ü Otolaryngology treatment ü Audiological assessments and treatment
Other Requirements v If there is also a dental policy: § It must provide full coverage for all orthodontics or dental care needed. § May apply the same copayment provisions that apply to other conditions or procedures covered by the policy.
Where do I go to ask a question or to file a complaint? If you have a Colorado plan: v Call (303)894 -7490 or 1 -800 -930 -3745 v www. dora. colorado. gov/Insurance v Complaints – file electronically through our website or send us a letter
DOI Mission: Promote compliance and enforce laws to help protect consumers 15
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