Title 26 — Title 26 — Insurance Code
56 chapters · 1,242 sections in this title.
W.S. § 26-19-109 To whom benefits are payable
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To whom benefits are payable. (a) Any benefits under any group or blanket disability policy or contract are payable to the person insured, or to his designated beneficiary or beneficiaries, or to his estate, except that if the person insured is a minor or otherwise not competent …
W.S. § 26-19-110 requirements
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requirements. Additional disability insurance groups; (a) Group disability insurance offered to a resident under a group disability insurance policy issued to a group other than one described in W.S. 26-19-102 is subject to the following requirements: (i) A group disability insur…
W.S. § 26-19-111 Notice of compensation
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Notice of compensation. (a) The insurer shall distribute to prospective insureds a written notice that compensation shall or may be paid for a program of group insurance which would qualify under W.S. 26-19-102(a)(ii) or 26-19-110, if compensation of any kind shall or may be paid…
W.S. § 26-19-112 Dependent group disability insurance
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Dependent group disability insurance. Except for a policy issued under W.S. 26-19-102(a)(vi), a group disability insurance policy may be extended to insure the employees' or members' or any class of employees' or members' family members or dependents. If the employee or member do…
W.S. § 26-19-113 Continuation of group coverage after termination of employment or membership
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Continuation of group coverage after termination of employment or membership. (a) A non-COBRA group policy or certificate of insurance on a master policy of a group delivered or issued for delivery in this state on or after July 1, 1995, issued by any insurance company, nonprofit…
W.S. § 26-19-114 Failure to pay premiums; notification
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Failure to pay premiums; notification. When an employer or trustee of a fund established or adopted by an employer, which employer or trustee is deemed the policyholder of the group disability insurance policy insuring the employer's employees for the benefit of persons other tha…
W.S. § 26-19-115 Multiple employer welfare arrangements; required license; applicability of the Small Employer Health Insurance Availability Act; hearings; rules
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Multiple employer welfare arrangements; required license; applicability of the Small Employer Health Insurance Availability Act; hearings; rules. (a) A multiple employer welfare arrangement, as defined in W.S. 26-1-102(a)(xliii), intending to operate in Wyoming shall provide to t…
W.S. § 26-19-201 (a) Purpose and scope of article
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(a) Purpose and scope of article. The purpose of this article is to: (i) Provide for continuance of coverage for all participants when a succeeding carrier's contract replaces a prior plan's benefits; and (ii) Prohibit the imposition of preexisting condition limitations under cer…
W.S. § 26-19-202 Definitions
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Definitions. (a) As used in this article: (i) "Carrier" means an insurance company, nonprofit service corporation, trust, association or other arrangement subject to the jurisdiction of the insurance department; (ii) "Group-type basis" means a benefit plan which meets the followi…
W.S. § 26-19-203 Continuance of coverage where one carrier's contract replaces a plan of similar benefits of another carrier
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Continuance of coverage where one carrier's contract replaces a plan of similar benefits of another carrier. (a) In those instances in which one (1) carrier's contract replaces a plan of similar benefits of another carrier: (i) The prior carrier remains liable only to the extent …
W.S. § 26-19-204 Violations; penalty
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Violations; penalty. Any person who violates any of the provisions of this article shall be subject to the penalties provided by W.S. 26-1-107.
W.S. § 26-19-301 Short title
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Short title. This act shall be known and may be cited as the "Small Employer Health Insurance Availability Act."
W.S. § 26-19-302 (a) Definitions
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(a) Definitions. As used in this act: (i) "Actuarial certification" means a written statement by a member of the American Academy of Actuaries or other individual acceptable to the commissioner that a small employer carrier is in compliance with the provisions of W.S. 26-19-304, …
W.S. § 26-19-303 "This act" means W.S
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"This act" means W.S. 26-19-301 through Applicability and scope. (a) This act shall apply to any health benefit plan which provides coverage to two (2) or more employees of a small employer in this state if: (i) Any portion of the premium or benefits is paid by a small employer o…
W.S. § 26-19-304 Restrictions relating to premium rates
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Restrictions relating to premium rates. (a) Premium rates for health benefit plans subject to this act shall be subject to the following provisions: (i) The index rate for a rating period for any class of business shall not exceed the index rate for any other class of business by…
W.S. § 26-19-305 Renewability of coverage
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Renewability of coverage. (a) A health benefit plan subject to this act shall be renewable with respect to all eligible employees or dependents at the option of the employer except in the following cases: (i) Nonpayment of the required premiums; (ii) Fraud or misrepresentation of…
W.S. § 26-19-306 Availability of coverage
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Availability of coverage. (a) Within one hundred eighty (180) days after the commissioner's approval of the basic health benefit plan and the standard health benefit plan developed pursuant to W.S. 26-19-308, but in no case prior to March 31, 1993, every small employer carrier sh…
W.S. § 26-19-307 Small employer carrier reinsurance program
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Small employer carrier reinsurance program. (a) There is hereby created a nonprofit entity to be known as the "Wyoming small employer health reinsurance program" or "WySEHRP." (b) Within sixty (60) days of a written request by the commissioner, each small employer carrier shall m…
W.S. § 26-19-308 Health benefit plan committee
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Health benefit plan committee. (a) The commissioner shall appoint a health benefit plan committee. The committee shall be composed of seven (7) members, which shall include: (i) (ii) carriers; and The commissioner; Three (3) representatives of participating (iii) One (1) represen…
W.S. § 26-19-309 Periodic market evaluation
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Periodic market evaluation. The board shall study and report at least every three (3) years to the commissioner on the effectiveness of this act. The report shall analyze the effectiveness of this act in promoting rate stability, product availability and affordability of coverage…
W.S. § 26-19-310 Administrative procedures
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Administrative procedures. The commissioner may issue regulations in accordance with W.S. 26-2-110 for the implementation and administration of the Small Employer Health Insurance Availability Act.
W.S. § 26-19-311 created
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created. Small employer carrier reinsurance account There is created an account in which all money received or collected to support the small employer carrier reinsurance program created pursuant to this act shall be credited and continuously appropriated for the purposes of this…
W.S. § 26-19-312 Small employer carrier reinsurance program assessments; premium tax credit
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Small employer carrier reinsurance program assessments; premium tax credit. (a) After each calendar year, the board shall determine the amount of assessment needed to support the small carrier reinsurance program considering all payments made, costs incurred, premiums received an…
W.S. § 26-20-101 Newly born and adopted child coverage required
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Newly born and adopted child coverage required. (a) All individual and group health insurance policies providing coverage on an expense incurred basis, and individual and group service or indemnity type contracts issued by any insurer including any nonprofit corporation which pro…
W.S. § 26-20-102 Specific coverage
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Specific coverage. The coverage for newly born children shall consist of coverage of injury or sickness including the necessary care and treatment of medically diagnosed congenital defects and birth abnormalities. The coverage for adopted children shall consist of coverage of inj…
W.S. § 26-20-103 Premiums
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Premiums. If payment of a specific premium or subscription fee is required to provide coverage for a child, the policy or contract may require that notification of birth of a child or the placement for adoption of a child and payment of the required premium or fees shall be furni…
W.S. § 26-20-104 Applicability of article
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Applicability of article. The requirements of this article regarding newly born children apply to all insurance policies and subscriber contracts delivered or issued for delivery in this state more than one hundred twenty (120) days after May 30, 1975. The requirements of this ar…
W.S. § 26-20-201 Diabetes coverage required
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Diabetes coverage required. (a) All individual and group health insurance policies providing coverage on an expense incurred basis, individual and group service or indemnity type contracts issued by any insurer including any nonprofit corporation and individual and group service …
W.S. § 26-20-301 Clinical trials and studies coverage required
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Clinical trials and studies coverage required. (a) All individual and group health insurance policies providing coverage on an expense incurred basis, individual and group service or indemnity type contracts issued by any insurer including any nonprofit corporation and individual…
W.S. § 26-20-401 Inherited enzymatic disorder coverage required
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Inherited enzymatic disorder coverage required. (a) All individual and group health insurance policies providing coverage on an expense incurred basis, individual and group service or indemnity type contracts issued by any insurer including any nonprofit corporation and individua…
W.S. § 26-20-501 Prescription eye drop refill coverage required
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Prescription eye drop refill coverage required. (a) All individual and group health insurance policies providing coverage on an expense incurred basis, individual and group service or indemnity type contracts issued by any insurer including any nonprofit corporation and individua…
W.S. § 26-20-601 intravenous
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intravenous. Oral chemotherapy parity with injectable and (a) No individual or group health insurance policy providing coverage on an expense incurred basis, individual and group service or indemnity type contract issued by any insurer including any nonprofit corporation and indi…
W.S. § 26-20-701 Required parity for mental health and substance use disorder insurance
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Required parity for mental health and substance use disorder insurance. (a) All individual or group health insurance policies providing coverage on an expense incurred basis, individual and group service or indemnity type health insurance contracts issued by any insurer, includin…
W.S. § 26-20-702 Reimbursement for mental health and substance use disorder benefits
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Reimbursement for mental health and substance use disorder benefits. (a) As used in this section "mental health and substance use disorder benefits" means benefits for the treatment of any condition or disorder that involves a mental health condition or substance use disorder tha…
W.S. § 26-20-801 (a) Definitions
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(a) Definitions. As used in this article: (i) "Covered person" means a policyholder, subscriber, enrollee, member or individual covered by any policy, contract or certificate listed in W.S. 26-20-802(a) or by any life insurance or long-term care insurance policy; (ii) "Health ins…
W.S. § 26-20-802 Discrimination prohibited
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Discrimination prohibited. (a) No individual or group health insurance policy providing coverage on an expense incurred basis, individual or group service or indemnity type health insurance contract or certificate issued by any health insurance issuer that provides coverage for a…
W.S. § 26-20-803 Living organ donor and organ transplant recipient coverage
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Living organ donor and organ transplant recipient coverage. (a) No individual or group life insurance policy or longterm care insurance policy shall: (i) Deny or cancel coverage to a covered person solely on the basis of the person's status as a living organ donor or as an organ …
W.S. § 26-21-101 Scope and applicability of chapter
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Scope and applicability of chapter. (a) All life insurance and all disability insurance in connection with loans or other credit transactions is subject to this chapter, except that insurance is not subject to this chapter if: (i) It is in connection with a loan or other credit t…
W.S. § 26-21-102 (a) Definitions
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(a) Definitions. For the purpose of this chapter: (i) "Credit life insurance" means insurance on the life of a debtor pursuant to or in connection with a specific loan or other credit transaction; (ii) "Credit disability insurance" means insurance on a debtor to provide indemnity…
W.S. § 26-21-103 insurance
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insurance. Forms of credit life and credit disability (a) Credit life insurance and credit disability insurance shall be issued only in the following forms: (i) Individual policies of life insurance issued to debtors on the term plan; (ii) Individual policies of disability insura…
W.S. § 26-21-104 Amount of credit life insurance
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Amount of credit life insurance. (a) The initial amount of credit life insurance shall not exceed the total amount repayable under the contract of indebtedness. (b) If an indebtedness is repayable in substantially equal installments, the amount of insurance shall not exceed the s…
W.S. § 26-21-105 Credit disability insurance
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Credit disability insurance. The total amount of indemnity payable by credit disability insurance in case of disability, as defined in the policy, shall not exceed the aggregate of the periodic scheduled unpaid installments of the indebtedness, and the amount of each periodic ind…
W.S. § 26-21-106 Term of insurance
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Term of insurance. (a) The term of any credit life insurance or credit disability insurance, subject to the insurer's acceptance, commences on the date when the debtor becomes obligated to the creditor, or the date when the debtor applies for the insurance, whichever is later, ex…
W.S. § 26-21-107 Provisions of policies and certificates; disclosure to debtors
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Provisions of policies and certificates; disclosure to debtors. (a) All credit life insurance and credit disability insurance shall be evidenced by an individual policy, or in the case of group insurance by a certificate of insurance, which individual policy or group certificate …
W.S. § 26-21-108 Filing of policies with commissioner; approval or disapproval; withdrawal of approval
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Filing of policies with commissioner; approval or disapproval; withdrawal of approval. (a) All policies, certificates of insurance, notices of proposed insurance, applications for insurance, endorsements and riders delivered or issued for delivery in this state and the schedule o…
W.S. § 26-21-109 Schedules of premiums; refunds
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Schedules of premiums; refunds. (a) Any insurer may revise its schedules of premium rates and shall file the revised schedules with the commissioner. No insurer shall issue any credit life insurance or credit disability insurance policy for which the premium rate exceeds that det…
W.S. § 26-21-110 Collection of premiums
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Collection of premiums. The insurance premium or other identifiable charge for credit life or credit disability insurance may be collected from the insured or included in the principal of any loan or other transaction at the time the transaction is completed. If included in the p…
W.S. § 26-21-111 not violation
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not violation. Premium not deemed interest; gains to creditor The premium or cost of credit life or credit disability insurance when issued through any creditor is not deemed interest or charges, or consideration or an amount in excess of permitted charges in connection with the …
W.S. § 26-21-112 Issuance and delivery of policies
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Issuance and delivery of policies. All credit life insurance and credit disability insurance policies shall be delivered or issued for delivery in this state only by an insurer authorized to transact insurance in this state and shall be issued only through holders of licenses or …
W.S. § 26-21-113 (a) Claims
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(a) Claims. All claims shall be: (i) Promptly reported to the insurer or its designated claim representative, and the insurer shall maintain adequate claim files; (ii) Settled as soon as possible and in accordance with the terms of the insurance contract; (iii) Paid either by dra…