Title 48 — Title 48 INSURANCE
101 chapters · 2,134 sections in this title.
RCW 48.66.010 Short title—Intent—Application of chapter.
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This chapter shall be known and may be cited as "The Medicare Supplemental Health Insurance Act" and is intended to govern the content and sale of medicare supplemental insurance as defined in this chapter. The provisions of this chapter shall apply in addition to, rather than in…
RCW 48.66.020 Definitions.
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Unless the context clearly requires otherwise, the definitions in this section apply throughout this chapter.(1) "Medicare supplemental insurance" or "medicare supplement insurance policy" refers to a group or individual policy of disability insurance or a subscriber contract of …
RCW 48.66.025 Restrictions on issuers—Age of applicants—Preexisting conditions.
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(1) An issuer may not deny or condition the issuance or effectiveness of any medicare supplement policy or certificate available for sale in this state, or discriminate in the pricing of a policy or certificate, because of the health status, claims experience, receipt of health c…
RCW 48.66.030 Renewability—Benefit standards—Benefit limitations.
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(1) A medicare supplement insurance policy which provides for the payment of benefits may not be based on standards described as "usual and customary," "reasonable and customary," or words of similar import.(2) Limitations on benefits, such as policy exclusions or waiting periods…
RCW 48.66.035 Commissioner's approval required.
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(1) A medicare supplement insurance policy or certificate form or application form, rider, or endorsement shall not be issued, delivered, or used unless it has been filed with and approved by the commissioner.(2) Rates, or modification of rates, for medicare supplement policies o…
RCW 48.66.041 Minimum standards required by rule—Waiver.
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(1) The insurance commissioner shall adopt rules to establish minimum standards for benefits in medicare supplement insurance policies and certificates.(2) The commissioner shall adopt rules to establish specific standards for medicare supplement insurance policy or certificate p…
RCW 48.66.045 Mandated coverage for replacement policies—Rates on a community-rated basis.
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(1) Every issuer of a medicare supplement insurance policy or certificate providing coverage to a resident of this state issued on or after January 1, 1996, and before June 1, 2010, must:(a) Unless otherwise provided for in RCW 48.66.055, issue coverage under its standardized ben…
RCW 48.66.050 Policy or certificate provisions prohibited by rule—Waivers restricted.
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(1) The insurance commissioner may issue reasonable rules that specify prohibited policy provisions not otherwise specifically authorized by statute which, in the opinion of the commissioner, are unfair, unjust, or unfairly discriminatory to any person insured or proposed to be i…
RCW 48.66.055 Termination or disenrollment—Application for coverage—Eligible persons—Types of policies—Guaranteed issue periods.
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(1) Under this section, persons eligible for a medicare supplement policy or certificate are those individuals described in subsection (3) of this section who, subject to subsection (3)(b)(ii) of this section, apply to enroll under the policy not later than sixty-three days after…
RCW 48.66.057 Rejection of medicare eligible person—When notice and information must be provided to applicant.
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Any medicare eligible person who is rejected for medical reasons, is required to accept restrictive riders, an up-rated premium, or preexisting conditions limitations, the effect of which is to substantially reduce coverage from that received by a person considered a standard ris…
RCW 48.66.060 Equal coverage of sickness and accidents.
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A medicare supplement insurance policy may not indemnify against losses resulting from sickness on a different basis than losses resulting from accidents.[ 1981 c 153 s 6.]
RCW 48.66.070 Adjustment of benefits and premiums for medicare cost-sharing.
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A medicare supplement insurance policy must provide that benefits designed to cover cost-sharing amounts under medicare will be changed automatically to coincide with any changes in the applicable medicare deductible amount and copayment percentage factors. Premiums may be modifi…
RCW 48.66.080 "Benefit period"—"Medicare benefit period"—Minimum requirements.
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"Benefit period" or "medicare benefit period" may not be defined more restrictively than as defined in the medicare program.[ 1981 c 153 s 8.]
RCW 48.66.090 Guaranteed renewable—Exceptions.
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All medicare supplement policies must be guaranteed renewable and a medicare supplement insurance policy may not provide that the policy may be canceled or nonrenewed by the insurer solely on the grounds of deterioration of health. The issuer shall not cancel or nonrenew the poli…
RCW 48.66.100 Loss ratio requirements—Mass sales practices of individual policies.
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(1) Medicare supplement insurance policies shall return to policyholders in the form of aggregate benefits under the policy, for the entire period for which rates are computed to provide coverage, loss ratios of:(a) At least seventy-five percent of the aggregate amount of premium…
RCW 48.66.110 Disclosure by insurer—Outline of coverage required.
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In order to provide for full and fair disclosure in the sale of medicare supplement policies, a medicare supplement policy or certificate shall not be delivered in this state unless an outline of coverage is delivered to the potential policyholder not later than the time of appli…
RCW 48.66.120 Return of policy and refund of premium—Notice required—Effect of return.
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(1) Every individual medicare supplement insurance policy issued after January 1, 1982, and every certificate issued pursuant to a group medicare supplement policy after January 1, 1982, shall have prominently displayed on the first page of the policy form or certificate a notice…
RCW 48.66.130 Preexisting condition limitations.
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(1) On or after January 1, 1996, and notwithstanding any other provision of Title 48 RCW, a medicare supplement policy or certificate shall not exclude or limit benefits for losses incurred more than three months from the effective date of coverage because it involved a preexisti…
RCW 48.66.140 Medical history.
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Any time that completion of a medical history of a patient is required in order for an application for a medicare supplement insurance policy to be accepted, that medical history must be completed by the applicant, a relative of the applicant, a legal guardian of the applicant, o…
RCW 48.66.150 Reporting and recordkeeping, separate data required.
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Commencing with reports for accounting periods beginning on or after January 1, 1982, insurers, health care service contractors, health maintenance organizations, and fraternal benefit societies shall, for reporting and recordkeeping purposes, separate data concerning medicare su…
RCW 48.66.160 Federal law supersedes.
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In any case where the provisions of this chapter conflict with provisions of the "Health Insurance For The Aged Act," Title XVIII of the Social Security Amendments of 1965, or any amendments thereto or regulations promulgated thereunder, regarding any contract between the secreta…
RCW 48.66.165 Conformity with federal law—Rules.
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The commissioner may adopt, from time-to-time, such rules as are necessary with respect to medicare supplemental insurance to conform Washington policies, contracts, certificates, standards, and practices to the requirements of federal law, specifically including 42 U.S.C. Sec. 1…
RCW 48.66.910 Effective date—1981 c 153.
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This act shall take effect January 1, 1982.[ 1981 c 153 s 19.]
RCW 48.66.920 Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.
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For the purposes of this chapter, the terms spouse, marriage, marital, husband, wife, widow, widower, next of kin, and family shall be interpreted as applying equally to state registered domestic partnerships or individuals in state registered domestic partnerships as well as to …