2013 Kentucky Revised Statutes CHAPTER 216 - HEALTH FACILITIES AND SERVICES 216.2960 Pilot projects for twenty-four hour health coverage -- Authority for administrative regulations.
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216.2960 Pilot projects for twenty-four hour health coverage -- Authority for
administrative regulations.
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By January 1, 1995, the Department of Insurance shall promulgate
administrative regulations pursuant to KRS Chapter 13A authorizing the
establishment by March 1, 1995, of pilot projects for twenty-four (24) hour
health coverage. The total number of participants in the pilot projects cannot
exceed five percent (5%) of all insured persons who are covered both by
workers' compensation and general health insurance. The administrative
regulations for the pilot projects shall provide that:
(a) A twenty-four (24) hour policy may cover general health care for purposes
of general health insurance, auto insurance, workers' compensation, or
health care normally covered by any line of insurance written in the
Commonwealth;
(b) A twenty-four (24) hour coverage policy shall not contain deductibles or
copayments for medical services or treatment for work-related injuries or
diseases; and
(c) There shall be no transfer of liabilities or expenses between or among
particular lines of insurance whose medical or health components have
been combined into a twenty-four (24) hour coverage for health care.
No policy for twenty-four (24) hour coverage shall become effective until it is
reviewed and approved by the Department of Insurance.
Notwithstanding any other provision of the Kentucky Revised Statutes to the
contrary, each insurer authorized or licensed to write insurance in the
Commonwealth shall provide any information requested by the department for
the purpose of developing a twenty-four (24) hour health policy.
The purchase of a twenty-four (24) hour health policy shall not constitute an
exemption from statutory provisions which require other nonmedical insurance
coverage. However, an insurance carrier shall reduce its premium for
insurance coverage written without the medical or health care component.
Notwithstanding the provisions of Subtitle 13 of KRS Chapter 304, the premium
reduction required in this subsection shall be subject to the approval of the
commissioner of the Department of Insurance.
If an employer obtains a twenty-four (24) hour health insurance policy,
pursuant to this section, to secure payment of compensation for medical care
and treatment under KRS Chapter 342, the employer shall also procure an
insurance policy which shall provide indemnity benefits to ensure that the total
coverage afforded by both the twenty-four (24) hour insurance policy and the
policy providing indemnity benefits, shall provide the total compensation
required by KRS Chapter 342.
The participants in a pilot project for twenty-four (24) hour health coverage
shall comply with periodic reporting requirements of the Department of
Insurance.
Each insurer authorized or licensed to write insurance in the Commonwealth
shall cooperate with the department and shall provide any information
requested by the department for the purpose of studying twenty-four (24) hour
health policy.
(8)
Each agency of state government shall cooperate with the department if
requested to provide information for the purposes of this section.
Effective:July 15, 2010
History: Amended 2010 Ky. Acts ch. 24, sec. 320, effective July 15, 2010. -Amended 1996 Ky. Acts ch. 371, sec. 21, effective July 15, 1996. -- Created
1994 Ky. Acts ch. 512, Pt. 6, sec. 19, effective July 15, 1994.
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