2022 Louisiana Laws
Revised Statutes
Title 22 - Insurance

TITLE 22. INSURANCE CODE

CHAPTER 1. GENERAL PROVISIONS

PART I. TITLE, DEFINITIONS, CLASSIFICATIONS, AND

OTHER REGULATORY MATTERS

SUBPART A. OFFICE OF THE INSURANCE COMMISSIONER;

GENERAL DUTIES AND RESPONSIBILITIES

SUBPART B. COMPLIANCE WITH CODE REQUIRED;

RULES AND REGULATIONS BY COMMISSIONER;

QUALIFICATION REQUIRED

SUBPART C. EQUAL OPPORTUNITY IN INSURANCE

SUBPART D. INSURANCE IN GENERAL

CHAPTER 2. REQUIREMENTS FOR INSURERS AND

OTHER RISK BEARING ENTITIES

PART I. KINDS OF INSURERS

SUBPART A. DOMESTIC INSURERS - GENERALLY

SUBPART B. DOMESTIC STOCK INSURERS

SUBPART C. DOMESTIC MUTUAL INSURERS

SUBPART D. DOMESTIC SERVICE INSURERS

SUBPART E. INDUSTRIAL INSURERS

SUBPART F. RECIPROCAL INSURERS

SUBPART G. NONPROFIT

FUNERAL SERVICE ASSOCIATIONS

SUBPART H. MUTUAL INSURANCE HOLDING COMPANIES

SUBPART H-1. CONVERSIONS OF MUTUAL LIFE INSURERS AND

MUTUAL LIFE INSURANCE HOLDING COMPANIES

SUBPART H-2. CONVERSIONS OF DOMESTIC MUTUAL NON-LIFE

INSURERS AND MUTUAL INSURANCE HOLDING COMPANIES

SUBPART I. HEALTH MAINTENANCE ORGANIZATIONS

SUBPART J. FRATERNAL BENEFIT SOCIETIES

SUBPART J-1. HEALTH CARE SHARING MINISTRIES

SUBPART K. FOREIGN OR ALIEN INSURERS

SUBPART L. VEHICLE MECHANICAL BREAKDOWN INSURERS

SUBPART M. PROPERTY RESIDUAL VALUE INSURERS

SUBPART N. NONPROFIT BENEFICIARY ORGANIZATIONS

AND RISK INDEMNIFICATION TRUSTS

SUBPART O. SURPLUS LINES

SUBPART P. GROUP SELF-INSURERS

SUBPART Q. RISK RETENTION GROUPS

SUBPART R. TITLE INSURANCE

SUBPART S. CAPTIVE INSURERS

PART II. BUSINESS TRANSACTED WITH

PRODUCER CONTROLLED INSURER LAW

PART III. FINANCIAL SOLVENCY AND REPORTING REQUIREMENTS

SUBPART A. FINANCIAL REPORTING REQUIREMENTS

SUBPART B. INVESTMENTS OF DOMESTIC INSURERS

SUBPART B-1. DOMESTIC INSURER INVESTMENTS

SUBPART C. RISK-BASED CAPITAL

FOR DOMESTIC INSURERS

SUBPART D. RISK-BASED CAPITAL FOR HEALTH

ORGANIZATIONS

SUBPART E. REINSURANCE

SUBPART F. AUDITED FINANCIAL REPORTING

SUBPART G. INSURANCE HOLDING COMPANY REQUIREMENTS

SUBPART G-1. INSURANCE HOLDING COMPANY SYSTEM

REGULATORY LAW

SUBPART G-2. RISK MANAGEMENT AND OWN RISK
AND SOLVENCY ASSESSMENT

SUBPART G-3. CORPORATE GOVERNANCE ANNUAL DISCLOSURE ACT

SUBPART H. ADMINISTRATIVE SUPERVISION

PART IV. RESERVES

SUBPART A. LIFE INSURANCE RESERVES

SUBPART B. RESERVES FOR INSURANCE

OTHER THAN LIFE

SUBPART C. SEPARATE ACCOUNTS

SUBPART D. RESERVES FOR HEALTH INSURANCE

CHAPTER 3. DEPOSITS, ASSESSMENTS, FEES AND TAXES

PART I. GENERAL PROVISIONS

PART II. DEPOSITS

PART III. FEES

NOTE: See Acts 2020, No. 110, §6, about the provisions of the Act ceasing to be effective on July 1, 2024.

PART IV. TAXES AND EXEMPTIONS

CHAPTER 4. INSURANCE AND INSURANCE CONTRACT

REQUIREMENTS BY TYPE OF INSURANCE

PART I. INSURANCE AND POLICY REQUIREMENTS IN GENERAL

PART II. LIFE INSURANCE AND ANNUITIES

SUBPART A. LIFE INSURANCE AND ANNUITIES IN GENERAL

SUBPART B. INDIVIDUAL LIFE

SUBPART C. GROUP LIFE

SUBPART D. INDIVIDUAL ANNUITIES

SUBPART E. GROUP ANNUITIES

PART III. HEALTH AND ACCIDENT COVERAGE

SUBPART A. HEALTH AND ACCIDENT INSURANCE; STANDARDS

AND CONTRACT REQUIREMENTS IN GENERAL

SUBPART A-1. NETWORK ADEQUACY ACT

SUBPART A-2. NETWORK PROVIDER DIRECTORY

ACCESSIBILITY AND ACCURACY ACT

SUBPART A-3. PROTECTING PATIENT ACCESS TO

PHYSICIAN-ADMINISTERED MEDICATIONS

SUBPART A-4. REDUCING ADMINISTRATIVE BURDENS

IN HEALTH INSURANCE

SUBPART B. STATE MANDATED HEALTH BENEFITS

SUBPART B-1. COVERAGE OF PRESCRIPTION DRUGS

THROUGH A DRUG FORMULARY

SUBPART C. ASSURING PORTABILITY,

AVAILABILITY, RENEWABILITY OF HEALTH

INSURANCE COVERAGE

SUBPART D. RATE REVIEW

SUBPART E. MEDICARE SUPPLEMENT MINIMUM STANDARDS

SUBPART F. HEALTHCARE COVERAGE FOR LOUISIANA

FAMILIES PROTECTION ACT

SUBPART F-1. LOUISIANA GUARANTEED BENEFITS POOL

SUBPART G. DENTAL SERVICE CONTRACTORS

SUBPART H-1. NETWORK LEASING ACT

SUBPART I. LONG-TERM CARE INSURANCE

SUBPART J. LOUISIANA HEALTH PLAN

NOTE: See Subsection H and R.S. 22:1203(E)(2) regarding eff. date of this Section.

NOTE: See Subsection F and R.S. 22:1203(E)(2) regarding eff. date of this Section.

NOTE: See Subsection E and R.S. 22:1203(E)(2) regarding eff. date of this Section.

NOTE: See Subsection B and R.S. 22:1203(E)(2) regarding eff. date of this Section.

SUBPART K. LIMITATIONS ON

ASSIGNMENT OF OBLIGATIONS

SUBPART L. TRANSPLANT CENTERS

SUBPART M. LOUISIANA SAFETY NET HEALTH

INSURANCE PROGRAM

SUBPART N. THE LOUISIANA DISCOUNT MEDICAL PLAN ACT

SUBPART O. PHYSICIAN AND PROVIDER

NOTIFICATION OF PATIENTS IN HEALTH INSURANCE

EXCHANGE GRACE PERIOD ACT

PART IV. PROPERTY AND CASUALTY

SUBPART A. INSURANCE AND CONTRACT REQUIREMENTS

IN GENERAL

SUBPART B. VEHICLE

SUBPART B-1. PEER-TO-PEER CAR SHARING PROGRAM ACT

SUBPART C. FIRE AND EXTENDED COVERAGE

(STANDARD FIRE POLICY)

SUBPART D. HOMEOWNERS' INSURANCE

SUBPART D-1. RESIDENTIAL FLOOD INSURANCE

SUBPART E. TRAVEL INSURANCE

SUBPART F. GLASS POLICIES

SUBPART G. CROP AND LIVESTOCK INSURANCE

SUBPART H. MARINE AND TRANSPORTATION

(INLAND MARINE) INSURANCE

SUBPART I. STEAM BOILER AND SPRINKLER

LEAKAGE INSURANCE

SUBPART J. LIABILITY

SUBPART K. CREDIT PROPERTY AND CASUALTY

SUBPART L. WORKERS' COMPENSATION INSURANCE

SUBPART M. MISCELLANEOUS INSURANCE

SUBPART N. FIDELITY AND SURETY INSURANCE

SUBPART O. RATE MAKING PROCEDURES AND

ORGANIZATIONS

SUBPART P. USE OF CREDIT INFORMATION

PART V. COLLISION DAMAGE WAIVER LAW

CHAPTER 5. PRODUCERS AND OTHER REGULATED ENTITIES

PART I. PRODUCERS

SUBPART A. QUALIFICATIONS AND LICENSING

SUBPART B. CONTINUING EDUCATIONAL PROGRAMS

SUBPART C. BAIL ENFORCEMENT AGENTS

SUBPART D. FINANCIAL INSTITUTION SALES

PART II. MANAGING GENERAL AGENT

PART III. THIRD-PARTY ADMINISTRATORS

PART III-A. PHARMACY SERVICES ADMINISTRATIVE ORGANIZATIONS

PART IV. CLAIMS ADJUSTERS

PART V. PUBLIC ADJUSTERS

PART VI. REINSURANCE INTERMEDIARY

PART VII. PROFESSIONAL EMPLOYER ORGANIZATIONS

PART VIII. MOTOR VEHICLE RENTAL INSURERS

PART VIII-A. PORTABLE ELECTRONICS INSURANCE

PART VIII-B. LIMITED LINES TRAVEL INSURANCE

PART IX. VIATICAL SETTLEMENTS

PART XI. REGISTRATION OF APPRAISERS FOR FIRE

AND EXTENDED COVERAGE

PART XII. INSURANCE CONSULTANTS

CHAPTER 6. PAYMENT OF CLAIMS

PART I. LIFE INSURANCE CLAIMS PAYMENTS

PART II. HEALTH AND ACCIDENT INSURANCE CLAIMS PAYMENTS

SUBPART A. HEALTH AND ACCIDENT INSURANCE CLAIMS

PAYMENTS – GENERAL PROVISIONS

SUBPART B. MEDICAL CLAIMS

SUBPART B-1. MEDICAL CLAIMS FOR SERVICES PROVIDED THROUGH

TELEHEALTH AND TELEMEDICINE

SUBPART B-2. COVERAGE AND PAYMENT PARITY

FOR PHYSICAL THERAPY DELIVERED VIA TELEHEALTH

SUBPART C. PHARMACY AND PHARMACIST CLAIMS

SUBPART C-1. PHARMACY BENEFIT MANAGER'S MAINTENANCE

AND USE OF MAXIMUM ALLOWABLE COST LISTS

FOR PRESCRIPTION DRUGS

SUBPART D. HEALTH CARE CONSUMER BILLING

AND DISCLOSURE PROTECTION ACT

PART III. PROPERTY AND CASUALTY INSURANCE CLAIMS PAYMENTS

CHAPTER 7. FRAUD AND UNFAIR TRADE PRACTICES

PART I. UNAUTHORIZED INSURANCE

PART II. INSURANCE FRAUD

NOTE: Pursuant to R.S. 22:1931.13, this Section terminates on July 1, 2024.

PART II-A. SLEDGE JEANSONNE LOUISIANA INSURANCE

FRAUD PREVENTION ACT

NOTE: Pursuant to R.S. 22:1931.13, this Section terminates on July 1, 2024.

PART III. UNAUTHORIZED INSURERS - FALSE

ADVERTISING PROCESS LAW

PART IV. UNFAIR TRADE PRACTICES

CHAPTER 8. EXAMINATIONS AND INVESTIGATIONS

CHAPTER 9. REHABILITATION, LIQUIDATION, CONSERVATION

CHAPTER 10. GUARANTY FUNDS

PART I. LOUISIANA INSURANCE GUARANTY ASSOCIATION LAW

PART II. LOUISIANA LIFE AND HEALTH INSURANCE

GUARANTY ASSOCIATION FUNDS

CHAPTER 11. COMMISSIONS AND ASSOCIATIONS

PART I. FIRE INSURANCE PATROL ASSOCIATIONS

PART II. LOUISIANA AUTOMOBILE THEFT AND

INSURANCE FRAUD PREVENTION AUTHORITY

NOTE: §2131 eff. until July 1, 2022. See Acts 2021, No. 114.

NOTE: §2134 Section heading, Subsection (A), and Subsection (B)(intro. para.) eff. until July 1, 2022. See Acts 2021, No. 114.

PART III. LOUISIANA CONSORTIUM OF INSURANCE

AND FINANCIAL SERVICES

PART IV. LOUISIANA HEALTH CARE COMMISSION

PART V. LOUISIANA PROPERTY AND CASUALTY

INSURANCE COMMISSION

PART VI. LOUISIANA STATE UNIVERSITY HEALTH SCIENCES

CENTER HEALTH MAINTENANCE ORGANIZATION

PART VII. LOUISIANA MANDATED HEALTH BENEFITS COMMISSION

PART VIII. LOUISIANA MANDATED HEALTH BENEFITS COMMISSION

CHAPTER 12. ADMINISTRATIVE ORDERS, HEARINGS

AND APPEALS

CHAPTER 13. PILOT PROGRAMS AND DATABASES

PART I. PILOT PROGRAMS

PART II. UNINSURED MOTORIST

IDENTIFICATION DATABASE

PART III. LOUISIANA BASIC HEALTH

INSURANCE PILOT PROGRAMS

CHAPTER 14. JOINT LEGISLATIVE COMMITTEE ON INSURANCE

CHAPTER 15. LOUISIANA CITIZENS PROPERTY

INSURANCE CORPORATION

PART I. LOUISIANA CITIZENS PROPERTY

INSURANCE CORPORATION

PART II. FAIR AND COASTAL PLANS

CHAPTER 16. INSURE LOUISIANA INCENTIVE PROGRAM

PART I. INSURE LOUISIANA INCENTIVE PROGRAM

CHAPTER 17. INTERSTATE INSURANCE PRODUCT

REGULATION COMPACT

CHAPTER 18. INTERNAL CLAIMS AND APPEALS PROCESS

AND EXTERNAL REVIEW ACT

PART I. TITLE, DEFINITIONS, AND LICENSURE

PART II. INTERNAL CLAIMS AND APPEALS PROCESS

PART III. HEALTH INSURANCE ISSUER EXTERNAL REVIEW ACT

PART IV. COMPLIANCE, PENALTIES, AND OTHER

REGULATORY MATTERS

CHAPTER 19. ELECTRONIC DELIVERY OF INSURANCE

DOCUMENTS AND NOTICES

CHAPTER 20. LOUISIANA HEALTH INSURANCE INNOVATION

AND STABILIZATION PROGRAM

PART I. STATE INNOVATION WAIVER

CHAPTER 21. INSURANCE DATA SECURITY

NOTE: Section heading and Subsections A-E eff. Aug. 1, 2021. See Acts 2020, No. 283.

CHAPTER 22. HURRICANE PROPERTY INSURANCE CLAIM

ALTERNATE DISPUTE RESOLUTION PROGRAM