Title 22, Insurance
0 chapters · 2,651 sections in this title.
La. Rev. Stat. § 22:937 Redesignated as R.S
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§937. Redesignated as R.S. 22:917 by Acts 2011, No. 94, §3, eff. Jan. 1, 2012.
La. Rev. Stat. § 22:94 Duties of officers
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§94. Duties of officers A. The president or, in his absence, the one so designated to act for him, shall preside at all meetings of the directors and of the stockholders, unless otherwise provided in the charter or bylaws. B. The secretary shall keep a record of the votes and pro…
La. Rev. Stat. § 22:941 Group life insurance defined; eligibility; payment of premiums; limits and coverage
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§941. Group life insurance defined; eligibility; payment of premiums; limits and coverage A. A policy of group life insurance may be issued to any of the following groups or combination thereof, or to the trustees thereof who shall be deemed the policyholder: (1) Employees or ret…
La. Rev. Stat. § 22:941.1 Redesignated as R.S
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§941.1. Redesignated as R.S. 22:652 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:941.2 Redesignated as R.S
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§941.2. Redesignated as R.S. 22:653 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:941.3 Redesignated as R.S
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§941.3. Redesignated as R.S. 22:654 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:941.4 Redesignated as R.S
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§941.4. Redesignated as R.S. 22:655 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:942 Standard provisions for group life policies
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§942. Standard provisions for group life policies Each policy of group life insurance as defined in R.S. 22:941 shall contain in substance the following provisions or, at the option of the insurer, provisions which in the opinion of the commissioner of insurance are not less favo…
La. Rev. Stat. § 22:943 Group life insurance; exclusions; restrictions; contestability
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§943. Group life insurance; exclusions; restrictions; contestability A. No policy of group life insurance delivered or issued for delivery in this state shall contain any provision which excludes or restricts liability for death caused in a certain specified manner or occurring w…
La. Rev. Stat. § 22:944 Exemption of proceeds; group life
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§944. Exemption of proceeds; group life A. A policy of group life insurance or the proceeds payable to the individual insured or to the beneficiary, shall not be liable, either before or after payment, to be applied to any legal or equitable process to pay any liability of any pe…
La. Rev. Stat. § 22:945 Group life and health and accident policy; dependent coverage
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§945. Group life and health and accident policy; dependent coverage A.(1) Every group, blanket, or association policy providing life insurance coverage and health and accident insurance coverage for dependents of the insured shall use the same criteria to determine the maximum ag…
La. Rev. Stat. § 22:946 Redesignated as R.S
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§946. Redesignated as R.S. 22:660 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:947 Redesignated as R.S
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§947. Redesignated as R.S. 22:661 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:95 Existing insurers: capital requirements and powers
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§95. Existing insurers: capital requirements and powers A. Any domestic stock insurer incorporated prior to 12:00 noon of October 1, 1948 is hereby brought under all the provisions of this Code except that its capital may continue in the amount named in its articles of incorporat…
La. Rev. Stat. § 22:951 Annuities and pure endowment contracts; standard provisions
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§951. Annuities and pure endowment contracts; standard provisions A. No annuity or pure endowment contract except a reversionary annuity otherwise called a survivorship annuity and except a group annuity contract shall be delivered or issued for delivery in this state unless it c…
La. Rev. Stat. § 22:952 Standard nonforfeiture law for individual deferred annuities
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§952. Standard nonforfeiture law for individual deferred annuities A.(1) This Section shall be known as the "Standard Nonforfeiture Law for Individual Deferred Annuities". (2) This Section shall not apply to any charitable gift annuity entered into on behalf of an organization qu…
La. Rev. Stat. § 22:96 Voluntary dissolution
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§96. Voluntary dissolution A. A domestic insurer may, after a two-thirds affirmative vote of its stockholders, policyholders or subscribers, voluntarily discontinue its business and dissolve its corporate existence by: (1) consolidation or merger; (2) reinsuring its entire busine…
La. Rev. Stat. § 22:961 Group annuity contracts; definition; standard provisions
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§961. Group annuity contracts; definition; standard provisions A. Any policy or contract, except a joint, reversionary or survivorship annuity contract, whereby annuities are payable dependent upon the continuation of the lives of more than one person, shall be deemed a group ann…
La. Rev. Stat. § 22:971 Patient's Bill of Rights
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§971. Patient's Bill of Rights It is hereby declared by the Legislature of Louisiana that access to health care for the citizens of this state is a priority to promote well-being and strong state protections. The state has an obligation to ensure that every person enrolled in a h…
La. Rev. Stat. § 22:971.1 Regulation of health insurers
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§971.1. Regulation of health insurers A. In addition to any other authority granted by this Title, the Department of Insurance is hereby authorized to regulate the coordination of medical, surgical, and hospital benefits of a self-insurance plan with such benefits of any other in…
La. Rev. Stat. § 22:972 Approval and disapproval of forms; filing of rates
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§972. Approval and disapproval of forms; filing of rates A. No policy or subscriber agreement of a health insurance issuer, hereafter including a health maintenance organization, shall be delivered or issued for delivery in this state, nor shall any endorsement, rider, or applica…
La. Rev. Stat. § 22:973 Form of policy
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§973. Form of policy No health and accident policy or contract shall be delivered or issued for delivery on risks in this state unless all of the following conditions are met: (1) The entire money and other consideration therefor are expressed in the policy or contract. (2) The t…
La. Rev. Stat. § 22:974 Standard forms
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§974. Standard forms The commissioner of insurance may, in accordance with the Administrative Procedure Act, R.S. 49:950 et seq., promulgate rules and regulations as he deems necessary to establish reasonable minimum standard conditions for basic benefits to be provided by health…
La. Rev. Stat. § 22:975 Health and accident policy provisions
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§975. Health and accident policy provisions A. Required provisions. Each policy shall contain in substance the following provisions or, at the option of the insurer, provisions which in the opinion of the commissioner of insurance are not less favorable to the policyholder; provi…
La. Rev. Stat. § 22:976 Disclosure of prescription drug consumer cost burden; certification
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§976. Disclosure of prescription drug consumer cost burden; certification A. As used in this Section: (1) "Excess consumer cost burden" means an amount charged to an enrollee for a covered prescription drug that is greater than the amount that an enrollee's health insurance issue…
La. Rev. Stat. § 22:976.1 Fairness in enrollee cost sharing
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§976.1. Fairness in enrollee cost sharing A. As used in this Section the following definitions shall apply: (1) "Cost-sharing requirement" means any copayment, coinsurance, deductible, or annual limitation on cost-sharing including but not limited to a limitation subject to 42 U.…
La. Rev. Stat. § 22:977 Cancellation by insurer and grace period; individual health and accident policies
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§977. Cancellation by insurer and grace period; individual health and accident policies A. Every insurer, including a trust subject to the provisions of R.S. 22:401 et seq., issuing a policy of individual, group, family group, blanket, or association health and accident insurance…
La. Rev. Stat. § 22:978 Group, family group, blanket, and association health and accident insurance; notice
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§978. Group, family group, blanket, and association health and accident insurance; notice required for certain premium increase, cancellation, or nonrenewal A.(1) Notwithstanding the provisions of R.S. 22:887(A) through (D), every insurer, including any trust subject to the provi…
La. Rev. Stat. § 22:979 Covered claim; prohibition of cancellation
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§979. Covered claim; prohibition of cancellation No health and accident insurer may unilaterally cancel a policy of insurance except for nonpayment of premiums, increase the premium for such policy, or reduce the benefits provided by such insurance policy after receipt or notice …
La. Rev. Stat. § 22:980 Additional sources; required coverage
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§980. Additional sources; required coverage A.(1) Notwithstanding any other provision of law, no hospital, health, or medical expense insurance policy, hospital or medical services contract, employee welfare benefit plan, health and accident insurance policy, or any other insuran…
La. Rev. Stat. § 22:981 Repealed by Acts 2013, No
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§981. Repealed by Acts 2013, No. 325, §2, eff. Dec. 31, 2014. NOTE: Former R.S. 22:981 redesignated as R.S. 22:331 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:982 Required proof of loss forms
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§982. Required proof of loss forms A. The commissioner of insurance in consultation with the secretary of the Louisiana Department of Health shall prescribe the use of the National Uniform Bill-82 (UB-82) or its successor, and the current Health Care Financing Administration (HCF…
La. Rev. Stat. § 22:983 Application
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§983. Application A. The falsity of any statement in the application for any policy covered by this Subpart shall not bar the right to recovery under the policy unless such false statement materially affected either the acceptance of the risk or the hazard assumed by the insurer.…
La. Rev. Stat. § 22:984 Identification of health benefit plan insurer and sponsor
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§984. Identification of health benefit plan insurer and sponsor A. Every health insurer authorized to write health and accident policies of insurance in this state, or dental plans issued in this state or issued for delivery in this state, including plans described pursuant to Su…
La. Rev. Stat. § 22:985 Notice; waiver
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§985. Notice; waiver The acknowledgement by any insurer of the receipt of notice given under any policy covered by this Subpart or the furnishing of forms for filing proofs of loss, or the acceptance of such proofs, or the investigation of any claim shall not operate as a waiver …
La. Rev. Stat. § 22:986 Nonapplication to certain policies
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§986. Nonapplication to certain policies A. Nothing in this Subpart shall apply to or affect: (1) Any policy of workers' compensation insurance or any policy of liability insurance with or without supplementary expense coverage. (2) Any policy or contract of reinsurance. (3) Life…
La. Rev. Stat. § 22:987 Penalties
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§987. Penalties A. Any insurer, or any officer or agent thereof, issuing or delivering any health and accident policy on risks in this state in willful violation of any provision of this Subpart shall be guilty of a misdemeanor and shall, upon conviction thereof, be fined not mor…
La. Rev. Stat. § 22:988 Perimenopausal and menopausal care
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§988. Perimenopausal and menopausal care A. A health insurance issuer offering health coverage plans in this state shall provide coverage for any medically necessary care or treatment for menopause and perimenopause. B. A health insurance issuer shall not require a prior authoriz…
La. Rev. Stat. § 22:989 Industrial health and accident insurance
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§989. Industrial health and accident insurance Any insurer authorized to write health and accident insurance in this state shall have power to issue industrial health and accident policies in which the premium is payable weekly. Every such policy must have printed on it the words…
La. Rev. Stat. § 22:990 Disability loss of income policies
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§990. Disability loss of income policies A. An individual or group disability loss of income policy to provide loss of income protection against total disability may be issued in this state consistent with the definitions and provisions of this Section. B. Total disability may be…
La. Rev. Stat. § 22:991 Disability insurance; contractual reductions
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§991. Disability insurance; contractual reductions No policy of insurance providing disability benefits shall provide for any reduction contrary to that provided for in R.S. 23:1225(C)(2). Acts 1995, No. 1284, §1; Redesignated from R.S. 22:1535 by Acts 2008, No. 415, §1, eff. Jan…
La. Rev. Stat. § 22:992 Repealed by Acts 2014, No
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§992. Repealed by Acts 2014, No. 117, §2.
La. Rev. Stat. § 22:993 Construction of policy issued in violation of this Subpart
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§993. Construction of policy issued in violation of this Subpart A policy issued in violation of this Subpart shall be held valid but shall be construed as provided herein, and when any provision in such a policy is in conflict with any provisions of this Subpart, the rights, dut…
La. Rev. Stat. § 22:994 Hospitalization, accident and health insurance; reduction of benefits prohibited
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§994. Hospitalization, accident and health insurance; reduction of benefits prohibited Notwithstanding any other provisions in this Title to the contrary, no group policy of accident, health or hospitalization insurance, or of any group combination of these coverages, shall be is…
La. Rev. Stat. § 22:995 Selection of type of treatment; reimbursement
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§995. Selection of type of treatment; reimbursement A.(1) Notwithstanding any provision of any policy or contract of insurance or health benefits issued after the effective date of this Section, whenever such policy or contract provides for payment or reimbursement for any servic…
La. Rev. Stat. § 22:996 Reimbursement for services, podiatrist
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§996. Reimbursement for services, podiatrist Notwithstanding any other provision of law to the contrary, whenever any contract of insurance or any medical or hospital and medical service contract issued or delivered in this state provides for reimbursement of any services which a…
La. Rev. Stat. § 22:997 Visual services, choice of practitioners
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§997. Visual services, choice of practitioners A. Whenever any medical eye care or vision care benefits are provided by or available through a health maintenance organization, preferred provider organization, managed care organization, accountable care organization, plan or contr…
La. Rev. Stat. § 22:997.1 Topical ophthalmic prescriptions; coverage for refills
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§997.1. Topical ophthalmic prescriptions; coverage for refills A. Any health, hospital, or medical expense insurance policy, hospital or medical service contract, employee welfare benefit plan, health and accident insurance policy, or any other insurance contract of this type, in…
La. Rev. Stat. § 22:998 Hospital and medical expense policies; services of licensed psychologists
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§998. Hospital and medical expense policies; services of licensed psychologists A. Whenever any hospital or medical expense policy or hospital or medical service contract issued, or issued for delivery in this state provides for the reimbursement of health related services that c…
La. Rev. Stat. § 22:999 Coverage for use of drugs in treatment of cancer
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§999. Coverage for use of drugs in treatment of cancer A. As used in this Section, the following terms shall have the following meanings: (1) "Medical literature" means scientific studies published in a journal specified by the United States Department of Health and Human Service…