Title 22, Insurance
0 chapters · 2,651 sections in this title.
La. Rev. Stat. § 22:1081 Redesignated as R.S
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§1081. Redesignated as R.S. 22:796 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1091 Health insurance plans subject to rate review
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§1091. Health insurance plans subject to rate review A. The provisions of this Subpart shall apply to any health benefit plan which provides coverage in the small group market or individual market, including any policy or subscriber agreement covering residents of this state. The…
La. Rev. Stat. § 22:1092 Health insurance issuers; rate filings and rate increases
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§1092. Health insurance issuers; rate filings and rate increases A. Every health insurance issuer shall file with the department every proposed rate to be used in connection with all of its particular products. Every such filing shall clearly state the date of the filing, the pro…
La. Rev. Stat. § 22:1092.1 Grandfathered health coverage; rating practices
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§1092.1. Grandfathered health coverage; rating practices The rating practices and rating methods and the rating restrictions imposed by law upon grandfathered health coverage in the individual market and small group market that are in effect on the day that this Section takes eff…
La. Rev. Stat. § 22:1093 Disclosure of rating practices and renewability provisions for insureds
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§1093. Disclosure of rating practices and renewability provisions for insureds A. Each health insurance issuer shall make reasonable disclosure in solicitation and sales materials provided to insureds of the provisions relating to renewability of coverage. B. Each health insuranc…
La. Rev. Stat. § 22:1094 Maintenance of records for the department
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§1094. Maintenance of records for the department A. Each health insurance issuer shall maintain at its principal place of business a complete and detailed description of its rating practices, including information and documentation which demonstrate that its rating methods and pr…
La. Rev. Stat. § 22:1095 Rating factors; risk pools; individual market plan and calendar year requirement
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§1095. Rating factors; risk pools; individual market plan and calendar year requirement A. Health insurance issuers may vary premiums from the plan-adjusted index rate in the individual or small group market due only to one or more of the following factors: (1) The number of pers…
La. Rev. Stat. § 22:1096 Regulations; preemption
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§1096. Regulations; preemption A. The commissioner may promulgate such rules and regulations as may be necessary and proper to carry out the provisions of this Subpart and Section 2794 of the Public Health Service Act. Such rules and regulations shall be promulgated and adopted i…
La. Rev. Stat. § 22:1097 Discrimination in rates or failure to provide coverage because of severe disability or sickle cell trait prohibited
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§1097. Discrimination in rates or failure to provide coverage because of severe disability or sickle cell trait prohibited A. No insurance company shall charge unfair discriminatory premiums, policy fees, or rates for, or refuse to provide any policy or contract of life insurance…
La. Rev. Stat. § 22:1098 Frequency of rate increases; limitations
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§1098. Frequency of rate increases; limitations A. The following rate increase limitations shall apply to all health benefit plans, limited benefits, and excepted benefits: (1) Health insurance issuers of limited benefits and excepted benefits policies shall not increase rates du…
La. Rev. Stat. § 22:1099 Enforcement
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§1099. Enforcement A. Whenever the commissioner has reason to believe that any health insurance issuer is not in compliance with any of the provisions of this Subpart, he shall notify such health insurance issuer. Upon such notice, the commissioner may, in addition to the penalti…
La. Rev. Stat. § 22:11 Rules and regulations by commissioner
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§11. Rules and regulations by commissioner A. The commissioner of insurance may promulgate rules and regulations that the commissioner determines are necessary for implementation of this Title. Such implementation shall be subject to the legislative oversight of the House of Repr…
La. Rev. Stat. § 22:11.1 Rules and regulations; essential health benefits package
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§11.1. Rules and regulations; essential health benefits package The commissioner shall promulgate rules pursuant to the Administrative Procedure Act to define "essential health benefits", to establish annual limitations on cost sharing and deductibles, and to define required leve…
La. Rev. Stat. § 22:111 Surplus requirements; applicants prior to September 1, 1989
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§111. Surplus requirements; applicants prior to September 1, 1989 A. Domestic mutual insurers who apply for a certificate of authority prior to September 1, 1989, may transact the following kinds of insurance in this state upon qualifying therefor and by having an initial minimum…
La. Rev. Stat. § 22:1111 Medicare supplement minimum standards
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§1111. Medicare supplement minimum standards A.(1) Except as otherwise specifically provided, this Section shall apply to: (a) All Medicare supplement policies and subscriber contracts delivered or issued for delivery in this state on or after the effective date hereof, and (b) A…
La. Rev. Stat. § 22:1112 Medicare supplement guaranteed issue; open enrollment periods; prohibited
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§1112. Medicare supplement guaranteed issue; open enrollment periods; prohibited conditioning of coverage; notice to policyholders A.(1) If, at the time of an individual's birthday each year, that individual has an existing Medicare supplement policy, the individual shall have an…
La. Rev. Stat. § 22:112 Surplus requirements; applicants on and after September 1, 1989
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§112. Surplus requirements; applicants on and after September 1, 1989 A. Domestic mutual insurers who apply for a certificate of authority on or after September 1, 1989, may transact the following kinds of insurance in this state upon qualifying therefor and by having an initial …
La. Rev. Stat. § 22:1121 Short title
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§1121. Short title This Subpart shall be known and may be cited as the "Healthcare Coverage for Louisiana Families Protection Act". Acts 2019, No. 412, §1, eff. June 11, 2019.
La. Rev. Stat. § 22:1122 Effectiveness
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§1122. Effectiveness If a court of competent jurisdiction rules that the Patient Protection and Affordable Care Act, P.L. 111-148, is unconstitutional and the judgment of that court becomes final and definitive, the attorney general shall give written notification of the final an…
La. Rev. Stat. § 22:1123 Preexisting condition exclusions prohibited
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§1123. Preexisting condition exclusions prohibited A health insurance policy or contract issued or issued for delivery in this state after the effective date of this Subpart shall not impose a preexisting condition exclusion. This Section shall not limit an insurer's ability to r…
La. Rev. Stat. § 22:1124 Annual and lifetime limits prohibited
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§1124. Annual and lifetime limits prohibited A health insurance policy or contract issued or issued for delivery in this state after the effective date of this Subpart shall not do either of the following: (1) Establish lifetime limits on the dollar value of benefits for any part…
La. Rev. Stat. § 22:1125 Coverage for dependent children
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§1125. Coverage for dependent children A health insurance policy or contract issued or issued for delivery in this state after the effective date of this Subpart that offers coverage for a dependent child shall offer dependent coverage, at the option of the policyholder, until th…
La. Rev. Stat. § 22:1126 Rate setting
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§1126. Rate setting For all health insurance policies, contracts, or certificates that are executed, delivered, issued for delivery, continued, or renewed in this state after the effective date of this Subpart the maximum rate differential due to age filed by the carrier as deter…
La. Rev. Stat. § 22:1127 Open enrollment
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§1127. Open enrollment A health insurance policy or contract issued or issued for delivery in this state after the effective date of this Subpart may restrict enrollment in individual health plans to open enrollment periods and special enrollment periods to the extent not inconsi…
La. Rev. Stat. § 22:1128 Comprehensive health coverage
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§1128. Comprehensive health coverage A. Notwithstanding any other provision of law to the contrary, a health insurance policy or contract issued or issued for delivery in this state thirty days or more after rules promulgated pursuant to Subsection G of this Section become effect…
La. Rev. Stat. § 22:1129 Conflict of laws
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§1129. Conflict of laws In case of any conflict between the provisions of this Subpart and any other provision of law, the provisions of this Subpart shall control unless application of this Subpart results in a reduction in coverage for any insured. Acts 2019, No. 412, §1, eff. …
La. Rev. Stat. § 22:113 Additional surplus
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§113. Additional surplus The commissioner may require a domestic mutual insurer to have and maintain a greater amount of surplus than prescribed in R.S. 22:111 or 112, based upon the type, volume, and nature of insurance business transacted. The commissioner is authorized to prom…
La. Rev. Stat. § 22:1130 Applicability
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§1130. Applicability A. The provisions of this Subpart shall be effective or enforceable only in the event that the tax credit authorized in Section 1401 of the Patient Protection and Affordable Care Act of 2010, P. L. 111-148, as amended by the Healthcare and Education Reconcili…
La. Rev. Stat. § 22:1131 Short title
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§1131. Short title This Subpart shall be known and may be cited as the "Louisiana Guaranteed Benefits Pool Act". Acts 2019, No. 412, §1, eff. June 11, 2019.
La. Rev. Stat. § 22:1132 Definitions
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§1132. Definitions As used in this Subpart, the following definitions apply: (1) "Commissioner" means the commissioner of insurance. (2) "Program" means the Louisiana Guaranteed Benefits Pool. Acts 2019, No. 412, §1, eff. June 11, 2019.
La. Rev. Stat. § 22:1133 Louisiana Guaranteed Benefits Pool; establishment
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§1133. Louisiana Guaranteed Benefits Pool; establishment A. The commissioner shall establish the Louisiana Guaranteed Benefits Pool which shall be a risk-sharing program to provide payment to health insurance issuers for claims for healthcare services provided to eligible individ…
La. Rev. Stat. § 22:1134 Operation of program
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§1134. Operation of program A. The commissioner shall establish the Louisiana Guaranteed Benefits Pool with a framework and operation similar to other state best practices. B. The program may be administered by either the commissioner or by an independent nonprofit organization. …
La. Rev. Stat. § 22:1135 Actuarial analysis
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§1135. Actuarial analysis In establishing the program, the commissioner shall commission an actuarial analysis to do all of the following: (1) Inform the development and parameters of the program. (2) Evaluate how funds that may currently be utilized to pay the Health Insurance P…
La. Rev. Stat. § 22:1136 Program parameters
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§1136. Program parameters In establishing the program, the commissioner shall provide for all of the following: (1) The criteria for individuals to be eligible for participation in the program. (2) The development and use of health status statements with respect to eligible indiv…
La. Rev. Stat. § 22:1137 Approval by legislature
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§1137. Approval by legislature A. The commissioner shall submit the actuarial analysis required by R.S. 22:1135 to the Joint Legislative Committee on the Budget. B. The Joint Legislative Committee on the Budget shall meet to review and approve the actuarial analysis, the details …
La. Rev. Stat. § 22:1138 Enrollment or participation limitation
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§1138. Enrollment or participation limitation The commissioner shall not enroll an individual or permit any individual to participate as an eligible individual in the program unless the commissioner has received written notification from the attorney general of a final and defini…
La. Rev. Stat. § 22:1138.1 Redesignated as R.S
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§1138.1. Redesignated as R.S. 22:1549 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1138.2 Redesignated as R.S
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§1138.2. Redesignated as R.S. 22:1550 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1139 Repealed by Acts 2013, No
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§1139. Repealed by Acts 2013, No. 326, §2, eff. Jan. 1, 2015.
La. Rev. Stat. § 22:114 Hull insurance
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§114. Hull insurance A. For the purposes of this Section, "hull insurance" is that part of marine and transportation insurance limited to the total or partial loss of a commercial fishing vessel and any tackle, fittings, equipment, stores, boats, furniture, machinery, and appurte…
La. Rev. Stat. § 22:1140 Repealed by Acts 2013, No
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§1140. Repealed by Acts 2013, No. 326, §2, eff. Jan. 1, 2015.
La. Rev. Stat. § 22:1141 Repealed by Acts 2013, No
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§1141. Repealed by Acts 2013, No. 326, §2, eff. Jan. 1, 2015.
La. Rev. Stat. § 22:1142 Repealed by Acts 2013, No
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§1142. Repealed by Acts 2013, No. 326, §2, eff. Jan. 1, 2015.
La. Rev. Stat. § 22:1142.1 Redesignated as R.S
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§1142.1. Redesignated as R.S. 22:1556 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1143 Repealed by Acts 2013, No
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§1143. Repealed by Acts 2013, No. 326, §2, eff. Jan. 1, 2015.
La. Rev. Stat. § 22:1144 Repealed by Acts 2013, No
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§1144. Repealed by Acts 2013, No. 326, §2, eff. Jan. 1, 2015.
La. Rev. Stat. § 22:1145 Redesignated as R.S
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§1145. Redesignated as R.S. 22:1559 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1146 Redesignated as R.S
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§1146. Redesignated as R.S. 22:1560 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1147 Redesignated as R.S
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§1147. Redesignated as R.S. 22:1561 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1148 Redesignated as R.S
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§1148. Redesignated as R.S. 22:1562 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.