632.32 (4) (a) 1. For the protection of persons injured who are legally entitled to recover damages from owners or operators of uninsured motor vehicles because of bodily injury, sickness or disease, including death resulting therefrom Excluding a policy written by a town mutual organized under ch. 612, uninsured motorist coverage, in limits of at least $25,000 $100,000 per person and $50,000 $300,000 per accident.
28,3160
Section
3160. 632.32 (4) (a) 2. of the statutes is repealed.
28,3161
Section
3161. 632.32 (4) (a) 2m. of the statutes is created to read:
632.32 (4) (a) 2m. Excluding a policy written by a town mutual organized under ch. 612, underinsured motorist coverage, in limits of at least $100,000 per person and $300,000 per accident.
28,3162
Section
3162. 632.32 (4) (a) 3. of the statutes is renumbered 632.32 (4) (c) and amended to read:
632.32 (4) (c) Insurers Unless an insurer waives the right to subrogation, insurers making payment under the uninsured motorists' coverage any of the coverages under this subsection shall, to the extent of the payment, be subrogated to the rights of their insureds.
28,3163
Section
3163. 632.32 (4) (b) (title) of the statutes is repealed.
28,3164
Section
3164. 632.32 (4) (b) of the statutes is renumbered 632.32 (4) (a) 3m. and amended to read:
632.32 (4) (a) 3m. To indemnify for medical payments or chiropractic payments or both Medical payments coverage, in the amount of at least $1,000
$10,000 per person for protection of all persons using the insured motor vehicle from losses resulting from bodily injury or death. The named insured may reject the coverage. If the named insured rejects the coverage, it need not be provided in a subsequent renewal policy issued by the same insurer unless the insured requests it in writing. Under the medical or chiropractic payments coverage, the insurer shall be subrogated to the rights of its insured to the extent of its payments. Coverage written under this paragraph subdivision may be excess coverage over any other source of reimbursement to which the insured person has a legal right.
28,3165
Section
3165. 632.32 (4) (bc) of the statutes is created to read:
632.32 (4) (bc) Notwithstanding par. (a) 3m., the named insured may reject medical payments coverage. If the named insured rejects the coverage, the coverage need not be provided in a subsequent renewal policy issued by the same insurer unless the insured requests it in writing.
28,3166
Section
3166. 632.32 (4m) of the statutes is repealed.
28,3167
Section
3167. 632.32 (4r) of the statutes is created to read:
632.32 (4r) Required written offers of uninsured motorist and underinsured motorist coverages for umbrella or excess liability policies. (a) An insurer writing umbrella or excess liability policies that insure with respect to a motor vehicle registered or principally garaged in this state against loss resulting from liability imposed by law for bodily injury or death suffered by a person arising out of the ownership, maintenance, or use of a motor vehicle shall provide written offers of uninsured motorist coverage and underinsured motorist coverage, which offers shall include a brief description of the coverage offered. An insurer is required to provide the offers required under this subsection only one time with respect to any policy in the manner provided in par. (b).
(b) 1. Each application for an umbrella or excess liability policy issued on or after the effective date of this subdivision .... [LRB inserts date], shall contain a written offer of uninsured motorist coverage and a written offer of underinsured motorist coverage.
2. For umbrella or excess liability policies that are in effect on the effective date of this subdivision .... [LRB inserts date], the insurer shall provide a written offer of uninsured motorist coverage to the named insureds under each policy that does not include uninsured motorist coverage and a written offer of underinsured motorist coverage to the named insureds under each policy that does not include underinsured motorist coverage. The insurer shall provide an offer under this subdivision in conjunction with the notice of the first renewal of the policy occurring after the effective date of this subdivision .... [LRB inserts date].
(c) An applicant or named insureds may reject one or both of the coverages offered, but must do so in writing. If the applicant or named insureds reject either of the coverages offered, the insurer is not required to provide the rejected coverage under a policy that is renewed to the person by that insurer unless an insured under the policy subsequently requests the rejected coverage in writing.
(d) If an umbrella or excess liability policy that was issued on or after the effective date of this paragraph .... [LRB inserts date], or an umbrella or excess liability policy that was in effect on, but renewed after, the effective date of this paragraph .... [LRB inserts date], includes neither uninsured motorist coverage nor underinsured motorist coverage, or only one of the coverages, and the insurer did not provide a written offer required under par. (b) 1. or 2. with respect to the coverage or coverages not included, on the request of the insured the court shall reform the policy to include the coverage or coverages not included and for which the insurer did not provide a written offer, with the same limits as the liability coverage limits under the policy.
(e) This subsection does not apply to a town mutual organized under ch. 612.
28,3168
Section
3168. 632.32 (5) (f) of the statutes is renumbered 632.32 (6) (d) and amended to read:
632.32 (6) (d) A No policy may provide that, regardless of the number of policies involved, vehicles involved, persons covered, claims made, vehicles or premiums shown on the policy, or premiums paid, the limits for any uninsured motorist coverage or underinsured motorist coverage under the policy may not be added to the limits for similar coverage applying to other motor vehicles to determine the limit of insurance coverage available for bodily injury or death suffered by a person in any one accident, except that a policy may limit the number of motor vehicles for which the limits for coverage may be added to 3 vehicles.
28,3169
Section
3169. 632.32 (5) (g) of the statutes is renumbered 632.32 (6) (e) and amended to read:
632.32 (6) (e) A No policy may provide that the maximum amount of uninsured motorist coverage or underinsured motorist coverage available for bodily injury or death suffered by a person who was not using a motor vehicle at the time of an accident is the highest any single limit of uninsured motorist coverage or underinsured motorist coverage, whichever is applicable, for any motor vehicle with respect to which the person is insured, except that a policy may limit the number of motor vehicles for which coverage limits may be added to 3 vehicles.
28,3170
Section
3170. 632.32 (5) (h) of the statutes is renumbered 632.32 (6) (f) and amended to read:
632.32 (6) (f) A No policy may provide that the maximum amount of medical payments coverage available for bodily injury or death suffered by a person who was not using a motor vehicle at the time of an accident is the highest any single limit of medical payments coverage for any motor vehicle with respect to which the person is insured, except that a policy may limit the number of motor vehicles for which medical payments coverage limits may be added to 3 vehicles.
28,3171
Section
3171. 632.32 (5) (i) of the statutes is renumbered 632.32 (6) (g), and 632.32 (6) (g) (intro.), as renumbered, is amended to read:
632.32 (6) (g) (intro.) A No policy may provide that the limits under the policy for uninsured motorist coverage or underinsured motorist coverage for bodily injury or death resulting from any one accident shall be reduced by any of the following that apply:
28,3172
Section
3172. 632.32 (5) (j) of the statutes is renumbered 632.32 (6) (h), and 632.32 (6) (h) (intro.), as renumbered, is amended to read:
632.32 (6) (h) (intro.) A No policy may provide that any uninsured motorist coverage or underinsured motorist coverage under the policy does not apply to a loss resulting from the use of a motor vehicle that meets all of the following conditions:
28,3172k
Section 3172k. 632.355 of the statutes is created to read:
632.355 Prohibited bases for assessing risk. In issuing or renewing a motor vehicle insurance policy, an insurer may not do any of the following:
(1) Place the applicant or insured in a high-risk category on the basis that the applicant or insured has not previously had motor vehicle insurance.
(2) Assess the applicant's or insured's risk on the basis of the city, village, town, or county in which the insured motor vehicle is customarily kept.
28,3173
Section
3173. 632.72 (1g) (b) of the statutes is amended to read:
632.72 (1g) (b) "Medical benefits or assistance" means health care services funded by a relief block grant under ch. 49, as defined in s. 49.001 (5p); medical assistance, as defined under s. 49.43 (8); or maternal and child health services under s. 253.05.
28,3173b
Section 3173b. 632.725 (1) of the statutes is amended to read:
632.725 (1) Definition. In this section, "health care provider" has the meaning given in s. 146.81 (1) (a) to (p).
28,3173d
Section 3173d. 632.7495 (4) of the statutes is renumbered 632.7495 (4) (intro.) and amended to read:
632.7495 (4) (intro.) Notwithstanding
Except as the commissioner may provide by rule under sub. (5) and notwithstanding subs. (1) and (2) and s. 631.36 (4), an insurer is not required to renew individual health benefit plan coverage that complies with all of the following:
(a) The coverage is marketed and designed to provide short-term coverage as a bridge between coverages.
28,3173f
Section 3173f. 632.7495 (4) (b) of the statutes is created to read:
632.7495 (4) (b) The coverage has a term of not more than 12 months.
28,3173h
Section 3173h. 632.7495 (4) (c) of the statutes is created to read:
632.7495 (4) (c) The coverage term aggregated with all consecutive periods of the insurer's coverage of the insured by individual health benefit plan coverage not required to be renewed under this subsection does not exceed 18 months. For purposes of this paragraph, coverage periods are consecutive if there are no more than 63 days between the coverage periods.
28,3173j
Section 3173j. 632.7495 (4) (d) of the statutes is created to read:
632.7495 (4) (d) Rules promulgated by the commissioner under sub. (5).
28,3173m
Section 3173m. 632.7495 (5) of the statutes is created to read:
632.7495 (5) The commissioner shall promulgate rules governing disclosures related to, and may promulgate rules setting standards for, the sale of individual health benefit plans that an insurer is not required to renew under sub. (4).
28,3174
Section
3174. 632.7497 of the statutes is created to read:
632.7497 Modifications at renewal. (1) In this section, "individual major medical or comprehensive health benefit plan" includes coverage under a group policy that is underwritten on an individual basis and issued to individuals or families.
(2) An insurer that issues an individual major medical or comprehensive health benefit plan shall, at the time of a coverage renewal, at the request of an insured, permit the insured to do either of the following:
(a) Change his or her coverage to any of the following:
1. A different but comparable individual major medical or comprehensive health benefit plan currently offered by the insurer.
2. An individual major medical or comprehensive health benefit plan currently offered by the insurer with more limited benefits.
3. An individual major medical or comprehensive health benefit plan currently offered by the insurer with higher deductibles.
(b) Modify his or her existing coverage by electing an optional higher deductible, if any, under the individual major medical or comprehensive health benefit plan.
(3) (a) The insurer may not impose any new preexisting condition exclusion under the new or modified coverage under sub. (2) that did not apply to the insured's original coverage and shall allow the insured credit under the new or modified coverage for the period of original coverage.
(b) For the new or modified coverage, the insurer may not rate for health status other than on the insured's health status at the time the insured applied for the original coverage and as the insured disclosed on the original application.
(4) (a) Annually, the insurer shall mail to each insured under an individual major medical or comprehensive health benefit plan issued by the insurer, a notice that includes all of the following information:
1. That the insured has the right to elect alternative coverage as described in sub. (2).
2. A description of the alternatives available to the insured.
3. The procedure for making the election.
(b) The insurer shall mail the notice under par. (a) not more than 3 months nor less than 60 days before the renewal date of the insured's plan.
(5) (a) Nothing in this section requires an insurer to issue alternative coverage under sub. (2) if the insured's coverage may be nonrenewed or discontinued under s. 632.7495 (2), (3) (b), or (4).
(b) Notwithstanding s. 600.01 (1) (b) 3. and 4., this section applies to a group health benefit plan described in s. 600.01 (1) (b) 3. or 4. if that group health benefit plan is an individual major medical or comprehensive health benefit plan as defined in sub. (1).
28,3176
Section
3176. 632.76 (2) (ac) of the statutes is created to read:
632.76 (2) (ac) 1. Notwithstanding par. (a), no claim or loss incurred or disability commencing after 12 months from the date of issue of an individual disability insurance policy, as defined in s. 632.895 (1) (a), may be reduced or denied on the ground that a disease or physical condition existed prior to the effective date of coverage, unless the condition was excluded from coverage by name or specific description by a provision effective on the date of the loss.
2. Except as provided in subd. 3., an individual disability insurance policy, as defined in s. 632.895 (1) (a), other than a short-term policy subject to s. 632.7495 (4) and (5), may not define a preexisting condition more restrictively than a condition, whether physical or mental, regardless of the cause of the condition, for which medical advice, diagnosis, care, or treatment was recommended or received within 12 months before the effective date of coverage.
3. Except as the commissioner provides by rule under s. 632.7495 (5), all of the following apply to an individual disability insurance policy that is a short-term policy subject to s. 632.7495 (4) and (5):
a. The policy may not define a preexisting condition more restrictively than a condition, whether physical or mental, regardless of the cause of the condition, for which medical advice, diagnosis, care, or treatment was recommended or received before the effective date of coverage.
b. The policy shall reduce the length of time during which a preexisting condition exclusion may be imposed by the aggregate of the insured's consecutive periods of coverage under the insurer's individual disability insurance policies that are short-term policies subject to s. 632.7495 (4) and (5). For purposes of this subd. 3. b., coverage periods are consecutive if there are no more than 63 days between the coverage periods.
28,3177
Section
3177. 632.76 (2) (b) of the statutes is amended to read:
632.76 (2) (b) Notwithstanding par. (a), no claim for loss incurred or disability commencing after 6 months from the date of issue of a medicare supplement policy, medicare replacement policy or long-term care insurance policy may be reduced or denied on the ground that a disease or physical condition existed prior to the effective date of coverage. A Notwithstanding par. (ac) 2., a medicare supplement policy, medicare replacement policy, or long-term care insurance policy may not define a preexisting condition more restrictively than a condition for which medical advice was given or treatment was recommended by or received from a physician within 6 months before the effective date of coverage. Notwithstanding par. (a), if on the basis of information contained in an application for insurance a medicare supplement policy, medicare replacement policy, or long-term care insurance policy excludes from coverage a condition by name or specific description, the exclusion must terminate no later than 6 months after the date of issue of the medicare supplement policy, medicare replacement policy, or long-term care insurance policy. The commissioner may by rule exempt from this paragraph certain classes of medicare supplement policies, medicare replacement policies, and long-term care insurance policies, if the commissioner finds the exemption is not adverse to the interests of policyholders and certificate holders.
28,3178
Section
3178. 632.835 (title) of the statutes is amended to read:
632.835 (title) Independent review of adverse and experimental treatment coverage denial determinations.
28,3179
Section
3179. 632.835 (1) (ag) of the statutes is created to read:
632.835 (1) (ag) "Coverage denial determination" means an adverse determination, an experimental treatment determination, a preexisting condition exclusion denial determination, or the rescission of a policy or certificate.
28,3180
Section
3180. 632.835 (1) (cm) of the statutes is created to read:
632.835 (1) (cm) "Preexisting condition exclusion denial determination" means a determination by or on behalf of an insurer that issues a health benefit plan denying or terminating treatment or payment for treatment on the basis of a preexisting condition exclusion, as defined in s. 632.745 (23).
28,3181
Section
3181. 632.835 (2) (a) of the statutes is amended to read:
632.835 (2) (a) Every insurer that issues a health benefit plan shall establish an independent review procedure whereby an insured under the health benefit plan, or his or her authorized representative, may request and obtain an independent review of an adverse determination or an experimental treatment a coverage denial determination made with respect to the insured.
28,3182
Section
3182. 632.835 (2) (b) of the statutes is amended to read:
632.835 (2) (b) If an adverse determination or an experimental treatment a coverage denial determination is made, the insurer involved in the determination shall provide notice to the insured of the insured's right to obtain the independent review required under this section, how to request the review, and the time within which the review must be requested. The notice shall include a current listing of independent review organizations certified under sub. (4). An independent review under this section may be conducted only by an independent review organization certified under sub. (4) and selected by the insured.
28,3183
Section
3183. 632.835 (2) (bg) 3. of the statutes is amended to read:
632.835 (2) (bg) 3. For any adverse determination or experimental treatment coverage denial determination for which an explanation of benefits is not provided to the insured, the insurer provides a notice that the insured may have a right to an independent review after the internal grievance process and that an insured may be entitled to expedited, independent review with respect to an urgent matter. The notice shall also include a reference to the section of the policy or certificate that contains the description of the independent review procedure as required under subd. 1. The notice shall provide a toll-free telephone number and website, if appropriate, where consumers may obtain additional information regarding internal grievance and independent review processes.
28,3184
Section
3184. 632.835 (2) (c) of the statutes is amended to read:
632.835 (2) (c) Except as provided in par. (d), an insured must exhaust the internal grievance procedure under s. 632.83 before the insured may request an independent review under this section. Except as provided in sub. (9) (a), an insured who uses the internal grievance procedure must request an independent review as provided in sub. (3) (a) within 4 months after the insured receives notice of the disposition of his or her grievance under s. 632.83 (3) (d).
28,3185
Section
3185. 632.835 (2) (e) of the statutes is created to read:
632.835 (2) (e) Nothing in this section affects an insured's right to commence a civil proceeding relating to a coverage denial determination.
