Iowa Administrative Code

2506.13(1) Discovery procedures. Discovery procedures applicable in civil actions are applicable in contested cases. Unless lengthened or shortened by these rules or by order of the presiding officer, time periods for compliance with discovery are as set forth in the Iowa Rules o…

2506.17(1) a. Be made at the earliest possible time and no less than 14 days before the hearing, except in case of unanticipated emergencies or consent of all parties; [ARC 0385D, IAB 6/24/26, effective 6/4/26]

2506.26(1) When the commissioner presides over the reception of evidence at the hearing, the commissioner’s decision is the final decision. When the commissioner does not preside over the reception of evidence, the presiding officer shall make a proposed decision. The proposed de…

without a prior hearing, the commissioner’s order shall be sent to the last-known address of the party by return receipt requested unless the party is a licensee in which case the order shall be sent by restricted certified mail. The order shall include a brief statement of findi…

presiding officer in a contested case shall report to the commissioner on a monthly basis all matters taken under advisement for longer than 60 days, together with an explanation of the reasons for the delay and an expected date of a proposed decision. A matter shall be reported …

2506.34(1) A party to a controversy that may culminate or has culminated in contested case proceedings may attempt settlement by complying with the procedures set forth in this subrule. No party shall be required to settle the controversy or contested case by submitting to settle…

2506.5(3) Timing of hearing. The hearing in a contested case shall be held within 90 days after the commencement of the contested case unless a continuance is granted by the presiding officer, or as otherwise permitted by law. [ARC 0385D, IAB 6/24/26, effective 6/4/26]

preserving quality of care by allowing health care insurers to enter into preferred provider arrangements and by establishing minimum standards for preferred arrangements and the health benefit plans associated with those arrangements.

“Commissioner” means the commissioner of insurance. “Covered person” means a person on whose behalf the health care insurer is obligated to pay for or provide health care services. “Covered services” means health care services which the health care insurer is obligated to pay for…

contrary, any health care insurer may enter into a preferred provider arrangement. 27.3(1) A preferred provider arrangement shall at minimum: a. Establish the amount and manner of payment to the preferred provider. The amount and manner of payment may include capitation payments …

27.4(1) A health care insurer may issue a health benefit plan which provides for incentives for covered persons to use the health care services of a preferred provider. The policies or subscriber agreements shall contain at least all of the following provisions: a. A provision th…

27.5(1) A health care insurer may place reasonable limits on the number or classes of preferred providers which satisfy the standards set forth by the health care insurer, provided that there is no discrimination against providers on the basis of religion, race, color, national o…

and is required to comply with all other applicable laws and rules and regulations of this state.

amount, and pursuant to the procedure, set forth in Iowa Code sections 507B.6, 507B.7, and 507B.8.

27.8(1) A health care insurer shall not prohibit a participating provider from or penalize a participating provider for discussing treatment options with covered persons, irrespective of the health care insurer’s position on the treatment options, or from advocating on behalf of …

this state by providing a system of rate, policy form, and operating standards for the transaction of credit life and credit accident and health insurance. Compliance with any disclosure requirements in this chapter shall not be deemed to be in compliance with the requirements se…

28.10(1) Each insurer doing insurance business in this state shall annually file with the insurance commissioner and the NAIC Support and Services Office a report of credit life and credit accident and health business written on a calendar-year basis. The report shall utilize the…

28.11(1) As used in this rule: “Earned premiums” means gross written premiums minus refunds on terminations, with this result adjusted for the change in unearned premium reserve. “Experience” means “earned premiums” and “incurred claims” during the experience period. “Experience …

28.12(1) Each insurer transacting credit insurance in this state shall be responsible for conducting a thorough periodic review of creditors, with respect to their credit insurance business, to ensure compliance with the insurance laws of this state and the rules promulgated by t…

connection with the sale or placement of credit insurance, or as an inducement, shall constitute unfair methods of competition and shall be subject to the unfair trade practices Acts of this state. 28.13(1) The offer or grant by an insurer to a creditor of any special advantage o…

28.14(1) Disclosure. When a premium or identifiable charge is payable by a debtor for credit insurance coverage offered by a creditor, at the time insurance is applied for, disclosures shall be made to the principal debtor and copies given and retained, in accordance with state a…

situation is held invalid, the invalidity shall not affect any other provision or application of the chapter which can be given effect without the invalid provision or application, and to this end the provisions of this chapter are declared severable.

28.16(1) This chapter shall take effect January 1, 1991. 28.16(2) Any deviations thought to be appropriate by an insurer as a result of promulgation of this chapter shall be filed in accordance with the provisions of rule 28.11(509) no later than January 1, 1991. 28.16(3) Certifi…

insurance, or individual policy may be returned to the creditor within 15 days of receipt of the policy or certificate for a full refund of premium paid, if after examination, the debtor(s) is not satisfied with the insurance for any reason. Notice of the 15-day free examination …

“Consumer credit transaction” shall mean the same as defined in Iowa Code section 537.1301. “Credit accident and health insurance” means insurance on a debtor or debtors to provide indemnity for payments becoming due on a specific loan or other credit transaction while the debtor…

28.3(1) Multiple plans of insurance. If a creditor has available to the debtors more than one plan of credit life insurance or more than one plan of credit accident and health insurance, the debtors must be informed of all plans applicable to the credit transaction. All relevant …

28.4(1) Permissible forms. Credit life insurance and credit accident and health insurance shall be issued only in the following forms: a. Individual policies of life insurance issued to debtors on the term plan; b. Individual policies of accident and health insurance issued to de…

28.5(1) General standard. Under the credit insurance law, benefits provided by credit insurance policies must be reasonable in relation to the premium charged. This requirement is satisfied if the premium rate charged develops or may be reasonably expected to develop a loss ratio…

191—28.7(509) Credit life insurance rates. 28.7(1) Premium rate. Credit life insurance premium rates for the insured portion of an indebtedness repayable in equal monthly installments, where the insured portion of the indebtedness decreases uniformly by the amount of the monthly …

presumed to satisfy this general standard. 28.5(2) Nonstandard coverage. If any insurer files for approval of any form providing coverage more restrictive than that described in rules 191—28.7(509) and 191—28.8(509), the insurer shall demonstrate to the satisfaction of the insura…

considered that the debtor is charged a specific amount for insurance if an identifiable charge for insurance is disclosed in the credit or other instrument furnished the debtor which sets out the financial elements of the credit transactions, or if there is a differential in fin…

28.9(1) Refund formulas must be filed with and approved by the insurance commissioner prior to use. 28.9(2) In the event of termination, no charge for credit insurance may be made for the first 15 days of a loan month and a full month may be charged for 16 days or more of a loan …

“COBRA” means the federal Consolidated Omnibus Budget Reconciliation Act, 29 U.S.C. §1161, that may allow an employee or member to temporarily keep health coverage. “Continuation right” refers to the right under Iowa Code chapter 509B of an employee or member or the employee’s or…

29.2(1) An employer or group policyholder must provide written notice of the continuation right arising by virtue of termination of employment or membership, other than the notice required by Iowa Code section 509B.3(7), no later than ten days after termination. 29.2(2) The emplo…

29.3(1) A dependent child ceasing to be a dependent of its parent or legal guardian is not an event qualifying for a continuation right. 29.3(2) Loss of continuation rights under COBRA, chapter 509B, or any other state group health insurance continuation law, is not an event qual…

29.4(1) In the event an employee is eligible for a continuation right under Iowa Code chapter 509B and is also eligible for continuation of benefits from the employer under COBRA, an employer shall be deemed to comply with the requirements of chapter 509B if the employer offers t…

29.5(1) An insurer renewing an existing policy on or after July 1, 1987, shall provide a continuation right in its policy no later than the renewal date of the policy. 29.5(2) Policies issued or delivered on or after July 1, 1987, shall contain the continuation right as of the da…

the insurance division. [ARC 7731C, IAB 3/20/24, effective 4/24/24]

3.10(1) The presiding officer may consolidate contested case proceedings where (a) the matters at issue involve common parties or common questions of fact or law, (b) consolidation would expedite and simplify consideration of the issues involved, and (c) consolidation would not a…

3.12(1) Required service. Every pleading, motion, document, or other paper that is filed in a contested case proceeding and every discovery request or response in such a proceeding shall be served upon each of the parties of record to the proceeding, including the person designat…

3.13(1) Discovery permitted. Where statutory time limitations permit, discovery may be conducted as permitted by the Iowa Rules of Civil Procedure and these rules. Discovery shall be conducted in an expedited manner to prevent unnecessary delays to the hearing. 3.13(2) Scope of d…

3.14(1) A subpoena shall be issued by the presiding officer at a party’s request. a. A request for a subpoena must be in writing and submitted to the presiding officer or designated filing clerk by mail, email, or in-person delivery in accordance with the filing requirements of r…

3.15(1) No technical form for motions is required. However, prehearing motions must be in writing and must state the grounds for relief and relief sought. 3.15(2) Any party may file a written response to a motion within ten days after the motion is served, unless the time period …

3.16(1) A prehearing conference shall be scheduled not less than seven business days prior to the hearing date. The presiding officer shall give written notice of the prehearing conference to all parties. 3.16(2) Prehearing conferences may be conducted by telephone conference or …

the presiding officer. 3.17(1) An application for a continuance shall: a. Be made at the earliest possible time and no less than 14 days before the hearing except in case of unanticipated emergencies or consent of all parties, and b. State the specific reasons for the request. 3.…

prior to the hearing. [ARC 7731C, IAB 3/20/24, effective 4/24/24]