632.87(2m)(a)4.
4. When vision care services or procedures are deemed appropriate by the health maintenance organization or preferred provider plan, restrict or discourage a person covered by the health maintenance organization or preferred provider plan from obtaining covered vision care services or procedures, within the scope of the practice of optometry as defined in
s. 449.01 (1), from participating optometrists solely on the basis that the providers are optometrists.
632.87(3)(a)(a) No policy, plan or contract may exclude coverage for diagnosis and treatment of a condition or complaint by a licensed chiropractor within the scope of the chiropractor's professional license, if the policy, plan or contract covers diagnosis and treatment of the condition or complaint by a licensed physician or osteopath, even if different nomenclature is used to describe the condition or complaint. Examination by or referral from a physician shall not be a condition precedent for receipt of chiropractic care under this paragraph. This paragraph does not:
632.87(3)(a)1.
1. Prohibit the application of deductibles or coinsurance provisions to chiropractic and physician charges on an equal basis.
632.87(3)(a)2.
2. Prohibit the application of cost containment or quality assurance measures to chiropractic services in a manner that is consistent with cost containment or quality assurance measures generally applicable to physician services and that is consistent with this section.
632.87(3)(b)
(b) No insurer, under a policy, plan or contract covering diagnosis and treatment of a condition or complaint by a licensed chiropractor within the scope of the chiropractor's professional license, may do any of the following:
632.87(3)(b)1.
1. Restrict or terminate coverage for the treatment of a condition or a complaint by a licensed chiropractor within the scope of the chiropractor's professional license on the basis of other than an examination or evaluation by or a recommendation of a licensed chiropractor or a peer review committee that includes a licensed chiropractor.
632.87(3)(b)2.
2. Refuse to provide coverage to an individual because that individual has been treated by a chiropractor.
632.87(3)(b)3.
3. Establish underwriting standards that are more restrictive for chiropractic care than for care provided by other health care providers.
632.87(3)(b)4.
4. Exclude or restrict health care coverage of a health condition solely because the condition may be treated by a chiropractor.
632.87(3)(c)
(c) An exclusion or a restriction that violates
par. (b) is void in its entirety.
632.87(4)
(4) No policy, plan or contract may exclude coverage for diagnosis and treatment of a condition or complaint by a licensed dentist within the scope of the dentist's license, if the policy, plan or contract covers diagnosis and treatment of the condition or complaint by another health care provider, as defined in
s. 146.81 (1) (a) to
(p).
632.87(5)
(5) No insurer or self-insured school district, city or village may, under a policy, plan or contract covering gynecological services or procedures, exclude or refuse to provide coverage for Papanicolaou tests, pelvic examinations or associated laboratory fees when the test or examination is performed by a licensed nurse practitioner, as defined in
s. 632.895 (8) (a) 3., within the scope of the nurse practitioner's professional license, if the policy, plan or contract includes coverage for Papanicolaou tests, pelvic examinations or associated laboratory fees when the test or examination is performed by a physician.
632.87(6)(a)1.1. Except as provided in
subd. 2., in this subsection, "routine patient care" means all of the following:
632.87(6)(a)1.a.
a. All health care services, items, and drugs for the treatment of cancer.
632.87(6)(a)1.b.
b. All health care services, items, and drugs that are typically provided in health care; including health care services, items, and drugs provided to a patient during the course of treatment in a cancer clinical trial for a condition or any of its complications; and that are consistent with the usual and customary standard of care, including the type and frequency of any diagnostic modality.
632.87(6)(a)2.
2. "Routine patient care" does not include the health care service, item, or investigational drug that is the subject of the cancer clinical trial; any health care service, item, or drug provided solely to satisfy data collection and analysis needs that are not used in the direct clinical management of the patient; an investigational drug or device that has not been approved for market by the federal food and drug administration; transportation, lodging, food, or other expenses for the patient or a family member or companion of the patient that are associated with travel to or from a facility providing the cancer clinical trial; any services, items, or drugs provided by the cancer clinical trial sponsors free of charge for any patient; or any services, items, or drugs that are eligible for reimbursement by a person other than the insurer, including the sponsor of the cancer clinical trial.
632.87(6)(b)
(b) No policy, plan, or contract may exclude coverage for the cost of any routine patient care that is administered to an insured in a cancer clinical trial satisfying the criteria under
par. (c) and that would be covered under the policy, plan, or contract if the insured were not enrolled in a cancer clinical trial.
632.87(6)(c)
(c) A cancer clinical trial under
par. (b) must satisfy all of the following criteria:
632.87(6)(c)1.
1. A purpose of the trial is to test whether the intervention potentially improves the trial participant's health outcomes.
632.87(6)(c)2.
2. The treatment provided as part of the trial is given with the intention of improving the trial participant's health outcomes.
632.87(6)(c)3.
3. The trial has therapeutic intent and is not designed exclusively to test toxicity or disease pathophysiology.
632.87(6)(c)4.a.
a. Tests how to administer a health care service, item, or drug for the treatment of cancer.
632.87(6)(c)4.b.
b. Tests responses to a health care service, item, or drug for the treatment of cancer.
632.87(6)(c)4.c.
c. Compares the effectiveness of health care services, items, or drugs for the treatment of cancer with that of other health care services, items, or drugs for the treatment of cancer.
632.87(6)(c)4.d.
d. Studies new uses of health care services, items, or drugs for the treatment of cancer.
632.87(6)(c)5.a.
a. A National Institute of Health, or one of its cooperative groups or centers, under the federal department of health and human services.
632.87(6)(d)1.1. The coverage that may not be excluded under this subsection shall apply to all phases of a cancer clinical trial.
632.87(6)(d)2.
2. The coverage that may not be excluded under this subsection is subject to all terms, conditions, restrictions, exclusions, and limitations that apply to any other coverage under the policy, plan, or contract, including the treatment under the policy, plan, or contract of services performed by participating and nonparticipating providers.
632.87(6)(e)1.1. Nothing in the subsection requires a policy, plan, or contract to offer; or prohibits a policy, plan, or contract from offering; cancer clinical trial services by a participating provider.
632.87(6)(e)2.
2. Nothing in this subsection requires services that are performed in a cancer clinical trial by a nonparticipating provider of a policy, plan, or contract to be reimbursed at the same rate as a participating provider of the policy, plan, or contract.
632.87 Annotation
Legislative Council Note, 1975: This [sub. (1)] continues (and expands the scope of) s. 207.04 (1) (k) [repealed by this act], which does not deal with an unfair marketing practice but an unduly restrictive interpretation of an insurance contract. Presently it applies only to podiatrists but the same principles apply to all health care professionals. Since the legislature has licensed podiatrists (s. 448.10 et. seq.), as well as other health care professionals who are not physicians, applicable insurance contracts should provide benefits for their services or payment to them, as well as for those of physicians, unless they are specifically and clearly excluded by a policy which has been approved by the commissioner. But general principles of freedom of contract should be operative if the contract is clear enough. Parties negotiating for insurance coverage should be free to decide what kind of health care services they want and are willing to pay for. [Bill 16-S]
632.875
632.875
Independent evaluations relating to chiropractic treatment. 632.875(1)(a)
(a) "Chiropractor" means a person licensed to practice chiropractic under
ch. 446.
632.875(1)(b)
(b) "Independent evaluation" means an examination or evaluation by or recommendation of a chiropractor or a peer review committee under
s. 632.87 (3) (b) 1.
632.875(1)(c)
(c) "Patient" means a person whose treatment by a chiropractor is the subject of an independent evaluation.
632.875(1)(d)
(d) "Treating chiropractor" means a chiropractor who is treating a patient and whose treatment of the patient is the subject of an independent evaluation.
632.875(2)
(2) If, on the basis of an independent evaluation, an insurer restricts or terminates a patient's coverage for the treatment of a condition or complaint by a chiropractor acting within the scope of his or her license and the restriction or termination of coverage results in the patient becoming liable for payment for his or her treatment, the insurer shall, within the time required under
s. 628.46 (2m), provide to the patient and to the treating chiropractor a written statement that contains all of the following:
632.875(2)(d)
(d) A description of the insurer's internal appeal process that is available to the patient.
632.875(2)(e)
(e) A statement indicating that the patient may, no later than 30 days after receiving the statement required under this subsection, request an internal appeal of the insurer's restriction or termination of coverage.
632.875(2)(f)
(f) The address to which the patient should send the request for an appeal.
632.875(2)(g)
(g) A detailed explanation of the clinical rationale and of the basis in the policy, plan, or contract or in applicable law for the insurer's restriction or termination of coverage.
632.875(2)(h)
(h) A list of records and documents reviewed as part of the independent evaluation.
632.875(3)(a)(a) In this subsection, "claim" means a patient's claim for coverage, under a policy, plan or contract covering diagnosis and treatment of a condition or complaint by a licensed chiropractor within the scope of the chiropractor's professional license, the restriction or termination of which coverage is the subject of an independent evaluation.
632.875(3)(b)
(b) A chiropractor who conducts an independent evaluation may not be compensated by an insurer based on a percentage of the dollar amount by which a claim is reduced as a result of the independent evaluation.
632.875(4)
(4) Subject to
sub. (2) (e), an insurer shall make available to a patient an internal procedure by which the patient may appeal an insurer's decision to restrict or terminate coverage.
632.875(5)
(5) This section does not apply to any of the following:
632.875(5)(b)
(b) Any line of property and casualty insurance except disability insurance. In this paragraph, "disability insurance" does not include uninsured motorist coverage, underinsured motorist coverage or medical payment coverage.
632.875 History
History: 1995 a. 94;
2001 a. 16;
2007 a. 20.
632.88
632.88
Policy extension for handicapped children. 632.88(1)(1)
Termination of coverage. Every hospital or medical expense insurance policy or contract that provides that coverage of a dependent child of a person insured under the policy shall terminate upon attainment of a limiting age for dependent children specified in the policy shall also provide that the age limitation may not operate to terminate the coverage of a dependent child while the child is and continues to be both:
632.88(1)(a)
(a) Incapable of self-sustaining employment because of intellectual disability or physical handicap; and
632.88(1)(b)
(b) Chiefly dependent upon the person insured under the policy for support and maintenance.
632.88(2)
(2) Proof of incapacity. The insurer may require that proof of the incapacity and dependency be furnished by the person insured under the policy within 31 days of the date the child attains the limiting age, and at any time thereafter except that the insurer may not require proof more frequently than annually after the 2-year period immediately following attainment of the limiting age by the child.
632.88 History
History: 1975 c. 375;
2011 a. 126.
632.885
632.885
Coverage of dependents. 632.885(1)(ar)
(ar) "Grandfathered health plan" has the meaning given under section 1251 of the Patient Protection and Affordable Care Act (
P.L. 111-148).
632.885(2)
(2) Requirement to offer dependent coverage. 632.885(2)(a)(a) Subject to
ss. 632.88 and
632.895 (5), and except as provided in
pars. (b) and
(c), every insurer that offers health insurance coverage that provides dependent coverage of children, and every self-insured health plan that provides dependent coverage of children, shall provide coverage for any child of an applicant or insured as a dependent of the applicant or insured if the child is under the age of 26.
632.885(2)(b)
(b) Except as provided in
par. (c), the coverage requirement under this section applies to an adult child who satisfies all of the following criteria:
632.885(2)(b)3.
3. The child was called to federal active duty in the national guard or in a reserve component of the U.S. armed forces while the child was attending, on a full-time basis, an institution of higher education.
632.885(2)(b)4.
4. The child was under the age of 27 years when called to federal active duty under
subd. 3.
632.885(2)(c)
(c) For any policy year or plan year beginning before January 1, 2014, health insurance coverage or a self-insured health plan described in
par. (a) that is a grandfathered health plan is required to provide dependent coverage for an adult child described in
par. (a) or
(b) only if the child is not eligible for coverage under an eligible employer-sponsored plan other than the health insurance coverage or self-insured health plan.
632.885(3m)
(3m) Defining dependent; uniform terms. An insurer or self-insured health plan described in
sub. (2) may not do any of the following:
632.885(3m)(a)
(a) Define "dependent" for purposes of eligibility for dependent coverage of children other than in terms of the relationship between a child and an applicant or insured.
632.885(3m)(b)
(b) Vary the terms of coverage under the health insurance coverage or self-insured health plan on the basis of age except for children 26 years of age or older.
632.885 History
History: 2009 a. 28;
2011 a. 32.
