Title 26, Title 26 — Insurance Code

Mechanical breakdown insurance organizations; solicitations to purchase. No person shall solicit or aid in the solicitation of another person to purchase a policy issued by a mechanical breakdown insurance organization not having a certificate of authority procured pursuant to th…

Mechanical breakdown insurance organizations; misrepresentations as to service contracts. No mechanical breakdown insurance organization, dealer, representative or other person shall in any manner misrepresent the terms, benefits or privileges of any policy issued by the organiza…

Mechanical breakdown insurance organizations; validity of policy. Any policy made, issued or delivered contrary to this chapter shall be valid and binding on the mechanical breakdown insurance organization.

Mechanical breakdown insurance organizations; required dealer's license. No person shall act as a mechanical breakdown insurance organization dealer in this state without first procuring a license from the commissioner in accordance with W.S. 26-37-115 through 26-37-119.

Mechanical breakdown insurance organizations; application for dealer's license. (a) Application for a license as a mechanical breakdown insurance dealer shall be made to the commissioner upon forms prescribed and furnished by the commissioner. As a part of or in connection with a…

Mechanical breakdown insurance organizations; general conditions for issuance or renewal of dealer's license. (a) For the protection of the people of this state, the commissioner shall not issue or renew any mechanical breakdown insurance dealer's license: (i) Unless the applican…

Mechanical breakdown insurance organizations; qualifications for dealer's license. (a) In addition to conditions specified under W.S. 26-37-116, the commissioner shall issue a mechanical breakdown insurance dealer's license only to an individual otherwise complying with this chap…

Mechanical breakdown insurance organizations; form and content of dealer's license. (a) The commissioner shall prescribe the form of the mechanical breakdown insurance dealer's license which shall contain the: (i) Name of the licensee and his business address; (ii) Date of issuan…

Mechanical breakdown insurance organizations; annual renewal of dealer's license; fee. (a) Mechanical breakdown insurance dealers' licenses are renewable on July 1 of each year. (b) The license fee is twenty dollars ($20.00) per year.

Mechanical breakdown insurance organizations; grounds for suspension, revocation or refusal to renew dealer's license generally. (a) The commissioner may suspend, revoke or refuse to renew any mechanical breakdown insurance dealer's license issued under this chapter for any cause…

Mechanical breakdown insurance organizations; grounds for suspension, revocation or refusal of dealer's license of firm, partnership or corporation. A mechanical breakdown insurance dealer's license issued to any firm, partnership or corporation may be suspended, revoked or refus…

Mechanical breakdown insurance organizations; surrender of revoked or suspended license certificate. The holder of any mechanical breakdown insurance dealer's license which has been revoked or suspended shall immediately surrender the license certificate to the commissioner.

Mechanical breakdown insurance organizations; representatives of dealers; registration required. No person shall act as the representative of a dealer for a mechanical breakdown insurance organization unless he has first been registered with the commissioner pursuant to W.S.

Mechanical breakdown insurance organizations; representatives of dealers; registration requirements; fee; renewal; suspension or revocation. (a) Any dealer for a mechanical breakdown insurance organization shall register its representatives with the commissioner by filing an appl…

Types of mechanical breakdown insurance; policy and certificate forms; issuance of policies and certificates. (a) A mechanical breakdown insurer and a mechanical breakdown insurance organization may write mechanical breakdown insurance as individual, group, blanket or franchise i…

Filing and approval of contracts; annual reports by organizations. (a) Contracts made between the organization and its dealers and representatives and contracts with other providers of services under the mechanical breakdown insurance policy shall be filed with and approved by th…

Rules and regulations. After notice and hearing, the commissioner may promulgate rules and regulations necessary to carry out this chapter. Rules and regulations promulgated under this chapter are subject to review in accordance with W.S. 28-9-101 through 28-9-108.

Penalty for violation. Any violation of this chapter is punishable as provided by W.S.

Short title. This article shall be known and may be cited as the "Long-Term Care Insurance Act."

Applicability. The requirements of this article shall apply to policies delivered or issued for delivery in this state on or after the effective date of this article. This article is not intended to supersede the obligations of entities subject to this article to comply with the …

Definitions. (a) As used in this article: (i) "Applicant" means: (A) In the case of an individual long-term care insurance policy, the person who seeks to contract for benefits; (B) In the case of a group long-term care insurance policy, the proposed certificate holder. (ii) "Cer…

Limits of group long-term care insurance. No group long-term care insurance coverage may be offered to a resident of this state under a group policy issued in another state to a group described in W.S. 26-38-103(a)(iv)(D), unless this state or another state having statutory and r…

Disclosure and performance standards for long- term care insurance. (a) The commissioner shall adopt regulations that include standards for full and fair disclosure setting forth the manner, content and required disclosures for the sale of long-term care insurance policies, terms…

Rulemaking authority. The commissioner shall adopt reasonable rules and regulations necessary to carry out the provisions of this article in accordance with W.S. 26-2-110.

Incontestability period. (a) For a long-term care insurance policy or certificate that has been in force for less than six (6) months, an insurer may rescind the policy or certificate or deny any otherwise valid long-term care insurance claim upon a showing of misrepresentation t…

Third party notice and reinstatement. (a) Each insurer offering long-term care insurance shall, as a protection against unintentional lapse, comply with the following: (i) No individual long-term care policy or certificate shall be issued until the insurer has received from the a…

Nonforfeiture benefit provisions. (a) Subject to subsection (g) of this section, an insurer that offers a long-term care insurance policy or certificate in this state shall offer a nonforfeiture protection provision as an option. The nonforfeiture benefit shall be made available …

Compliance with article required. No policy shall be advertised, marketed or offered as long-term care or nursing home insurance unless it complies with the provisions of this article.

Penalties. In addition to any other penalties provided by the laws of this state, any insurer or agent who violates any requirement of this state relating to the regulation of long-term care insurance or the marketing of such insurance shall be subject to a civil penalty not to e…

Definitions. (a) As used in this act: (i) "Applicant" means: (A) In the case of an individual Medicare supplement policy, the person who seeks to contract for insurance benefits; and (B) In the case of a group Medicare supplement policy, the proposed certificate holder. (ii) "Cer…

Applicability and scope. (a) Except as otherwise specifically provided, this act shall apply to: (i) All Medicare supplement policies delivered or issued for delivery in this state on or after the effective date of this act; and (ii) All certificates issued under group Medicare s…

Standards for policy provisions. (a) No Medicare supplement insurance policy or certificate in force in the state shall contain benefits which duplicate benefits provided by Medicare. (b) The commissioner shall adopt reasonable regulations to establish specific standards for poli…

Regulations. (a) The commissioner shall adopt reasonable regulations to establish minimum standards for benefits, claims payment, marketing practices, compensation arrangements and reporting practices for Medicare supplement policies and certificates. (b) The commissioner may ado…

Loss ratio standards. (a) Repealed by Laws 1992, ch. 57, § 2. (b) Medicare supplement policies shall return to policyholders benefits which are reasonable in relation to the premium charged. The commissioner shall issue reasonable regulations to establish minimum standards for lo…

Disclosure standards. (a) In order to provide for full and fair disclosure in the sale of Medicare supplement policies, no Medicare supplement policy or certificate shall be delivered in this state unless an outline of coverage is delivered to the applicant at the time applicatio…

Notice of free examination. Medicare supplement policies or certificates shall have a notice prominently printed on the first page of the policy or certificate or attached thereto stating in substance that the applicant shall have the right to return the policy or certificate wit…

Filing requirements for advertising. Every issuer of Medicare supplement insurance policies or certificates in this state shall provide to the insurance commissioner a copy of any Medicare supplement advertisement intended for use in this state whether through written, radio or t…

Penalties. (a) In addition to any other applicable penalties for violations of this code, the commissioner may: (i) Require insurers to cease marketing any Medicare supplement policy or certificate in this state which violates any provision of this act, any other law administered…

Scope. (a) This chapter shall apply to any insurer who has marketed or sold or will market and sell any individual, group or blanket disability insurance contracts to Wyoming residents. (b) For the purposes of this chapter disability insurance does not include credit disability i…

Definitions. (a) As used in this act: (i) "Block of business" means all those individual, group or blanket disability insurance contracts issued by an insurance company under a particular policy form approved by the Wyoming insurance department; (ii) "Closed block of business" me…

Spreading of risk. If any insurer closes a block of business in this state, the insurer shall spread the claims experience of the closed block of business to, for like insureds without regard to individual health problems, other blocks of business still being marketed and sold by…

Violations. Any insurer who violates any provisions of this chapter is subject to denial, suspension or revocation of its certificate of authority as well as the imposition of a penalty as set forth in W.S. 26-1-107.

Scope. This chapter applies to all insurers who solicit or offer for sale in this state individual, group disability or blanket disability policies covering Wyoming residents.

Definitions. (a) As used in this chapter: (i) "Health care provider" means any physician, hospital or other person licensed or otherwise authorized in this or another state to furnish to any individual medical or dental care, vision care or hospitalization incident to the furnish…

Payment of claims. (a) If any disability insurance policy provides for settlement of a claim for payment of medical services or procedures provided by a health care provider using a usual, customary and reasonable basis the insurer shall: (i) Submit to the department upon request…

Prohibitions. (a) No person may make payment on a claim for benefits under an individual, group or blanket disability policy covering residents of this state unless such claim payment is made in compliance with this chapter. (b) Any person who violates any provisions of this chap…