Ins 3.39(3)(a)(a) “Accident,” “Accidental Injury,” or “Accidental Means” shall be defined to employ “result” language and shall not include words that establish an accidental means test or use words such as “external, violent, visible wounds” or similar words of description or characterization. Ins 3.39(3)(a)1.1. The definition shall not be more restrictive than the following: “Injury or injuries for which benefits are provided” means accidental bodily injury sustained by the insured person that is the direct result of an accident, independent of disease or bodily infirmity or any other cause, and occurs while insurance coverage is in force.” Ins 3.39(3)(a)2.2. The definition may provide that injuries shall not include injuries for which benefits are provided or available under any workers’ compensation, employer’s liability or similar law or motor vehicle no-fault plan, unless prohibited by law. Ins 3.39(3)(c)1.1. In the case of an individual Medicare supplement, Medicare select, or Medicare cost policy, the person who seeks to contract for insurance benefits. Ins 3.39(3)(c)2.2. In the case of a group Medicare supplement policy, the proposed certificateholder. Ins 3.39(3)(ce)(ce) “Balance bill” means seeking: to bill, charge, or collect a deposit, remuneration or compensation from; to file or threaten to file with a credit reporting agency; or to have any recourse against an insured or any person acting on the insured’s behalf for health care costs for which the insured is not liable. The prohibition on recovery does not affect the liability of an insured for any deductibles, coinsurance or copayments, or for premiums owed under the policy or certificate. Ins 3.39(3)(cs)(cs) “Bankruptcy” means when a Medicare Advantage organization that is not an issuer has filed, or has had filed against it, a petition for declaration of bankruptcy and has ceased doing business in the state. Ins 3.39(3)(d)(d) “Benefit period,” or “Medicare benefit period” shall not be defined more restrictively than as defined in the Medicare program. Ins 3.39(3)(e)(e) “CMS” means the Centers for Medicare & Medicaid Services within the U.S. department of health and human services. Ins 3.39(3)(f)(f) “Certificate” means a certificate delivered or issued for delivery in this state under a Medicare supplement policy or under a Medicare select policy that is issued on a group basis, i.e. employer retiree group. Ins 3.39(3)(g)(g) “Certificate form” means the form on which the certificate is delivered or issued for delivery by the issuer to a group that receives insurance coverage through a group Medicare supplement policy, or a group Medicare select policy. Ins 3.39(3)(gg)(gg) “Certificateholder” means an individual member of a group that is receives a certificate that identifies the individual as a participant in the group Medicare supplement policy or the group Medicare select policy issued in this state. Ins 3.39(3)(gr)(gr) “Complaint” means any dissatisfaction expressed by an individual concerning a Medicare select issuer or its network providers. Ins 3.39(3)(h)(h) “Continuous period of creditable coverage” means the period during which an individual was covered by creditable coverage, if during the period of the coverage the individual had no breaks in coverage greater than 63 days. Ins 3.39(3)(i)1.1. “Creditable coverage” means with respect to an individual, coverage of the individual provided under any of the following: Ins 3.39(3)(i)1.c.c. Part A or Part B of Title XVIII of the social security act (Medicare); Ins 3.39(3)(i)1.d.d. Title XIX of the social security act (Medicaid), other than coverage consisting solely of benefits under section 1928; Ins 3.39(3)(i)1.e.e. Chapter 55 of Title 10 United States Code, commonly referred to as TRICARE (formerly known as CHAMPUS); Ins 3.39(3)(i)1.f.f. A medical care program of the Indian Health Service or of a tribal organization; Ins 3.39(3)(i)1.h.h. A health plan offered under chapter 89 of Title 5 United States Code commonly referred to as the Federal Employees Health Benefits Program; Ins 3.39(3)(i)1.j.j. A health benefit plan under Section 5 (e) of the Peace Corps Act (22 United States Code 2504 (e)). Ins 3.39(3)(i)2.a.a. Coverage only for accident or disability income insurance, or any combination thereof; Ins 3.39(3)(i)2.c.c. Liability insurance, including general liability insurance and automobile liability insurance; Ins 3.39(3)(i)2.h.h. Other similar insurance coverage, specified in federal regulations, under which benefits for medical care are secondary or incidental to other insurance benefits. Ins 3.39(3)(i)3.3. “Creditable coverage” shall not include the following benefits if they are provided under a separate policy, certificate or contract of insurance or are otherwise not an integral part of the plan: Ins 3.39(3)(i)3.b.b. Benefits for long-term care, nursing home care, home health care, community-based care, or any combination; and Ins 3.39(3)(i)3.c.c. Such other similar, limited benefits as are specified in federal regulations. Ins 3.39(3)(i)4.4. “Creditable coverage” shall not include the following benefits if offered as independent, non-coordinated benefits: Ins 3.39(3)(i)5.5. “Creditable coverage” shall not include the following if it is offered as a separate policy, certificate or contract of insurance: Ins 3.39(3)(i)5.a.a. Medicare supplemental health insurance as defined under section 1882 (g) (1) of the social security act; Ins 3.39(3)(i)5.b.b. Coverage supplemental to the coverage provided under chapter 55 of title 10, United States Code; and Ins 3.39(3)(i)5.c.c. Similar supplemental coverage provided to coverage under a group health plan. Ins 3.39(3)(j)(j) “Employee welfare benefit plan” means a plan, fund or program of employee benefits as defined in 29 USC 1002 (Employee Retirement Income Security Act). Ins 3.39(3)(jm)(jm) “Grievance” means dissatisfaction with the administration, claims practices or provision of services concerning a Medicare select issuer or its network providers that is expressed in writing by a policyholder or certificateholder under a Medicare select policy or certificate. Ins 3.39(3)(k)(k) “Health care expense” means, for purposes of sub. (16), expense of health maintenance organizations associated with the delivery of health care services that are analogous to incurred losses of insurers. Ins 3.39(3)(m)(m) “Hospital” may be defined in relation to its status, facilities and available services or to reflect its accreditation by the Joint Commission on Accreditation of Hospitals, but not more restrictively than as defined in the Medicare program. Ins 3.39(3)(o)(o) “Insolvency” is defined in s. 600.03 (24), Stats., and means when an issuer, licensed to transact the business of insurance in this state, has had a final order of liquidation entered against it by a court of competent jurisdiction in the issuer’s state of domicile. Ins 3.39(3)(p)(p) “Issuer” includes insurance companies, fraternal benefit societies, health care service plans, health maintenance organizations and any other entity delivering or issuing for delivery in this state Medicare supplement policies or certificates. Ins 3.39(3)(pm)(pm) “MACRA” means the Medicare Access and CHIP Reauthorization Act of 2015, PL 114-10, signed April 16, 2015. Ins 3.39(3)(q)(q) “Medicare” shall be defined in the policy or certificate. “Medicare” may be substantially defined as “The Health Insurance for the Aged Act, Title XVIII of the Social Security Amendments of 1965 as Then Constituted or Later Amended,” or “Title I, Part I of Public Law 89-97, as Enacted by the Eighty-Ninth congress of the United States of America and popularly known as the Health Insurance for the Aged Act, as then constituted and any later amendments or substitutes thereof, or words of similar import. Ins 3.39(3)(r)(r) “Medicare Advantage plan” means a plan of coverage for health benefits under Medicare Part C as defined in 42 USC 1395w-28 (b) (1), as amended. Ins 3.39(3)(rm)(rm) “Medicare cost policy” means a Medicare replacement policy that is offered by an issuer that has a contract with CMS to provide coverage when services are provided within the issuer’s geographic service area and through network medical providers selected by the issuer. A “Medicare cost policy” is issued to an individual who is the policyholder. Ins 3.39(3)(s)(s) “Medicare eligible expenses” means health care expenses that are covered by Medicare Parts A and B, recognized as medically necessary and reasonable by Medicare, and that may or may not be fully reimbursed by Medicare. Ins 3.39(3)(t)(t) “Medicare eligible person” mean a person who qualifies for Medicare. Ins 3.39(3)(v)(v) “Medicare replacement policy” or “Medicare replacement insurance policy” means a policy that is described in s. 600.03 (28p) (a) or (c), Stats., as interpreted by sub. (2) (a), and that provides coverage that conforms to subs. (4), (4m), (4t), and (7). “Medicare replacement policy” includes Medicare cost policies. Ins 3.39(3)(ve)(ve) “Medicare select certificate” means a policy that is issued to a group that provides Medicare supplement coverage to the group’s members when services are obtained through network medical providers selected by the issuer. Individuals that receive coverage through the group Medicare select policy receive a Medicare select certificate that demonstrates participation in the group coverage. Ins 3.39(3)(vm)(vm) “Medicare select policy” means a policy that is issued to an individual or policyholder that provides Medicare supplement coverage when services are obtained by the policyholder through a network of medical providers selected by the issuer. Ins 3.39(3)(vs)(vs) “Medicare supplement certificate” means a policy that is issued to a group that provides Medicare supplement coverage to the group’s members. Individuals that receive coverage through the group Medicare supplement policy receive a Medicare supplement certificate that demonstrates participation in the group coverage. Ins 3.39(3)(w)(w) “Medicare supplement coverage” or “Medicare supplement insurance” means coverage that meets the definition in s. 600.03 (28r), Stats., as interpreted by sub. (2) (a), and that conforms to subs. (4), (4m), (4t), (5), (5m), (5t), (6), (30), (30m), and (30t). “Medicare supplement coverage” is advertised, marketed or designed primarily as a supplement to reimbursements under Medicare for the hospital, medical or surgical expense of persons eligible for Medicare. “Medicare supplement coverage” includes group and individual Medicare supplement and group and individual Medicare select policies and certificates but does not include coverage under Medicare Advantage plans established under Medicare Part C or Outpatient Prescription Drug plans established under Medicare Part D. Ins 3.39(3)(we)(we) “Medicare supplement policy” means a policy that is issued to an individual or policyholder that provides Medicare supplement coverage. Ins 3.39(3)(wg)(wg) “MMA” means the Medicare Prescription Drugs, Improvement and Modernization Act of 2003, Public Law 108-173, signed into law on December 8, 2003. Ins 3.39(3)(wm)(wm) “Network provider,” means a provider of health care, or a group of providers of health care, that have entered into a written agreement with the issuer to provide health care benefits to an insured under a Medicare select policy or Medicare select certificate. Ins 3.39(3)(ws)(ws) “Newly eligible” means a person who meets one of the following criteria: Ins 3.39(3)(ws)2.2. The person is entitled to benefits under Medicare Part A pursuant to section 226 (b) or 226A of the social security act, or is deemed to be eligible for benefits under section 226 (a) of the social security act on or after January 1, 2020. Ins 3.39(3)(x)(x) “Nursing home coverage” means coverage for care that is convalescent or custodial care or care for a chronic condition or terminal illness and provided in an institutional or community-based setting. Ins 3.39(3)(z)(z) “Policy form” means the form on which the policy is delivered or issued for delivery by the issuer. Ins 3.39(3)(za)(za) “PACE” means Program of All–Inclusive Care for the Elderly (PACE) under section 1894 of the social security act 42 USC 1302 and 1395. Ins 3.39(3)(zar)(zar) “Policy or certificate forms of the same type” means, for purposes of calculating loss ratios, rates, refunds or premium credits, each type of form filed with the commissioner including individual Medicare supplement policy forms, individual Medicare select policy forms, individual Medicare cost policy forms, group Medicare select certificate forms, and group Medicare supplement certificate forms. Ins 3.39(3)(zb)(zb) “Replacement” means any transaction, other than when used to refer to an authorized Medicare Advantage policy, where new individual or group Medicare supplement or individual Medicare cost insurance is to be purchased, and it is known to the agent or issuer at the time of application that, as part of the transaction, existing accident and sickness insurance has been or is to be lapsed, cancelled or terminated or the benefits are substantially reduced. “Replacement” includes transactions replacing a Medicare supplement policy or certificate, Medicare select policy or certificate, or Medicare cost policy within the same insurer or affiliates of the insurer. Ins 3.39(3)(zbm)(zbm) “Restricted network provision,” means any provision that conditions the payment of benefits, in whole or in part, on the use of network providers. Ins 3.39(3)(zc)(zc) “Secretary” means the secretary of the United States department of health and human services. Ins 3.39(3)(zcm)(zcm) “Service area” means the geographic area approved by the commissioner within which an issuer is authorized to offer a Medicare select policy or certificate. Ins 3.39(3)(zd)1.1. “Sickness” shall not be defined to be more restrictive than illness or disease of an insured person that first manifests itself after the effective date of insurance and while the insurance is in force. Ins 3.39(3)(zd)2.2. The definition of “sickness” may be further modified to exclude any illness or disease for which benefits are provided under any workers’ compensation, occupational disease, employer’s liability or similar law. Ins 3.39(3)(ze)(ze) “Specified disease coverage” means coverage that is limited to named or defined sickness conditions. The term does not include dental or vision care coverage. Ins 3.39(3g)(a)(a) Generally, an individual who attains age 65 or older, an individual under the age of 65 with certain disabilities, or an individual with end-stage renal disease is eligible to enroll in Medicare. The date a person is first eligible for Medicare Part B or first elected Medicare Part A establishes the benefits available regardless of the date of election provided the benefit is offered in the market. In addition to the provisions that apply to all Medicare supplement and Medicare cost policies, the following identify the benefits and coverage subsections that have provisions tied to the date and year when a person is first eligible for Medicare Parts A and B:
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