§ 376.966 — No employee to lose coverage by enrolling in pool — eligibility for pool coverage, ineligibility — medical underwriting considerations, notification required, when — expiration date.

Missouri § 376.966

• Jurisdiction: Missouri
• Title XXIV: BUSINESS AND FINANCIAL INSTITUTIONS
• Ch. 376: Life, Health and Accident Insurance

Text

1.  No employee shall involuntarily lose his or her group coverage by decision of his or her employer on the grounds that such employee may subsequently enroll in the pool.  The department shall have authority to promulgate rules and regulations to enforce this subsection.

2.  Prior to January 1, 2014, the following individual persons shall be eligible for coverage under the pool if they are and continue to be residents of this state:

(1)  An individual person who provides evidence of the following:

(a)  A notice of rejection or refusal to issue substantially similar health insurance for health reasons by at least two insurers; or

(b)  A refusal by an insurer to issue health insurance except at a rate exceeding the plan rate for substantially similar health insurance;

(2)  A federally defined eligible individual who has not experienced a significant break in coverage;

(3)  A trade act eligible individual;

(4)  Each resident dependent of a person who is eligible for plan coverage;

(5)  Any person, regardless of age, that can be claimed as a dependent of a trade act eligible individual on such trade act eligible individual's tax filing;

(6)  Any person whose health insurance coverage is involuntarily terminated for any reason other than nonpayment of premium or fraud, and who is not otherwise ineligible under subdivision (4) of subsection 3 of this section.  If application for pool coverage is made not later than sixty-three days after the involuntary termination, the effective date of the coverage shall be the date of termination of the previous coverage;

(7)  Any person whose premiums for health insurance coverage have increased above the rate established by the board under paragraph (a) of subdivision (1) of subsection 3 of this section;

(8)  Any person currently insured who would have qualified as a federally defined eligible individual or a trade act eligible individual between the effective date of the federal Health Insurance Portability and Accountability Act of 1996, Public Law 104-191 and the effective date of this act.

3.  The following individual persons shall not be eligible for coverage under the pool:

(1)  Persons who have, on the date of issue of coverage by the pool, or obtain coverage under health insurance or an insurance arrangement substantially similar to or more comprehensive than a plan policy, or would be eligible to have coverage if the person elected to obtain it, except that:

(a)  This exclusion shall not apply to a person who has such coverage but whose premiums have increased to one hundred fifty percent to two hundred percent of rates established by the board as applicable for individual standard risks;

(b)  A person may maintain other coverage for the period of time the person is satisfying any preexisting condition waiting period under a pool policy; and

(c)  A person may maintain plan coverage for the period of time the person is satisfying a preexisting condition waiting period under another health insurance policy intended to replace the pool policy;

(2)  Any person who is at the time of pool application receiving health care benefits under section 208.151 ;

(3)  Any person having terminated coverage in the pool unless twelve months have elapsed since such termination, unless such person is a federally defined eligible individual;

(4)  Any person on whose behalf the pool has paid out one million dollars in benefits;

(5)  Inmates or residents of public institutions, unless such person is a federally defined eligible individual, and persons eligible for public programs;

(6)  Any person whose medical condition which precludes other insurance coverage is directly due to alcohol or drug abuse or self-inflicted injury, unless such person is a federally defined eligible individual or a trade act eligible individual;

(7)  Any person who is eligible for Medicare coverage.

4.  Any person who ceases to meet the eligibility requirements of this section may be terminated at the end of such person's policy period.

5.  If an insurer issues one or more of the following or takes any other action based wholly or partially on medical underwriting considerations which is likely to render any person eligible for pool coverage, the insurer shall notify all persons affected of the existence of the pool, as well as the eligibility requirements and methods of applying for pool coverage:

(1)  A notice of rejection or cancellation of coverage;

(2)  A notice of reduction or limitation of coverage, including restrictive riders, if the effect of the reduction or limitation is to substantially reduce coverage compared to the coverage available to a person considered a standard risk for the type of coverage provided by the plan.

6.  Coverage under the pool shall expire on January 1, 2014.

Legislative History

(L. 1990 H.B. 998 § 3, A.L. 2007 H.B. 818, A.L. 2009 H.B. 218, A.L. 2013 S.B. 262)