2016 Kentucky Revised Statutes CHAPTER 216 - HEALTH FACILITIES AND SERVICES .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.
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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