The Illinois Department of Insurance has established a format for health carriers to use when they submit Affordable Care Act compliance filings.
Michael McRaith, director of the Illinois department, explains the procedures for certified ACA compliance filings in Illinois Company Bulletin 2010-04.
ACA is the legislative package that includes the new Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act.
PPACA will require insurers and health carriers to make a number of policy changes by Sept. 23, McRaith writes in the bulletin.
Carriers may have to make changes related to matters such as benefits limits, rescission restrictions, first-dollar coverage of preventive services, extension of coverage to dependents, appeal rights, emergency services coverage, access to obstetricians and gynecologists, selection of a primary care provider, and limits on preexisting condition exclusions, McRaith writes.
Carriers should use the department’s new PPACA endorsement template, and, “if submitted verbatim and certified as such by an officer of the company, will be accepted by the department as satisfying the requirements of PPACA and will be approved in an expedited manner,” McRaith writes.
If a problem is discovered in a filing after it is submitted, the filing should be withdrawn and resubmitted, McRaith writes.
“The company will be responsible for ensuring that all insureds are provided the full benefits provided by PPACA,” McRaith writes.
Companies also can submit PPACA-related filings using the standard filing process, McRaith writes.
CORRECTION: An earlier version of this article described Illinois officials’ attitude toward us of the filing template incorrectly. Illinois officials want carriers to use the template.