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Around the PIA Western Alliance States

Posted By Administration, Tuesday, July 7, 2020

California — Lara Issues Diversity Investment Order: Insurance Commissioner Ricardo Lara launched “Invest in Our Diverse Communities”, an initiative to identify diverse woman-, veteran-, LGBTQ+-, Latinx, Asian Pacific Islander, Black, and Native American-owned investment managers who can guide investments made by insurance companies into capital-ready socially responsible affordable housing and environmental projects across California.
 
With the U.S. insurance industry commanding $7 trillion in investible assets, the new Invest in Our Diverse Communities Initiative will identify investments managed or owned by diverse investment leaders to fund targeted projects with social benefits in the state. The new initiative is part of the Department of Insurance’s California Organized Investment Network (COIN), a nationally recognized model program created in 1996 to increase insurance industry capital in underserved, low-to-moderate, and rural communities throughout California.
 
“The COVID-19 pandemic has exposed the inequality in wealth that continues to persist in communities across our state, which I believe the insurance industry can help to tackle through socially responsible investments,” said Insurance Commissioner Ricardo Lara. “‘Invest in Our Diverse Communities’ will help insurance companies target their investments to diverse managers and firms who support environmentally sustainable programs and affordable housing projects for California to help improve our way of life and provide a stable home for those who need it.”
 
Commissioner Lara’s initiative will add COIN-qualified investment opportunities owned and managed by diverse firms to the Impact Investment Marketplace, an online “central clearinghouse” portal that the Department of Insurance launched in May 2019. COIN-qualified investment opportunities address areas requiring immediate attention, such as health care, homelessness, and environmental sustainability. Investment opportunities also assist small businesses in underserved communities which, during the COVID-19 pandemic, will be needed now more than ever before.
 
In the past year, the COIN program has highlighted many new investment opportunities statewide to insurance companies, including funds which work to displace current and potential greenhouse gas emissions as well as to invest in renewable power assets such as solar and wind infrastructure that seek to deliver positive environmental and social impact. Other COIN program investment opportunities focus on the development of permanent supportive housing to help alleviate homelessness in California or those which invest in platforms that improve the quality of life for Californians by increasing access to better education, health care, banking, financial services and credit, and improved environmental conditions.
 
COIN also works with certified Community Development Financial Institutions (CDFIs) to help them source funding through insurance company direct investments and public bond offerings. COIN has long-standing relationships with some of the largest CDFIs in California. COIN sources CDFI capital-raising initiatives and gauges initial interest from insurers for public offerings of CDFI securities. COIN also notifies insurers of potential investment opportunities in CDFIs and regularly meets with insurer investment staff to “matchmake” specific CDFIs to insurers’ investment portfolio strategies.
 
Commissioner Lara today also announced his appointments to the COIN Advisory Board, which provides focus and guidance to the Commissioner and COIN Program to meet its mission. The newest members include the Board’s first ever representative with experience seeking investments that provide environmental benefits, a seat created on January 1, 2020 by Commissioner’s Lara’s sponsored Assembly Bill 1099 authored by State Assembly Majority Leader Ian Calderon, as well as other exceptional and diverse new members.
 
“It is crucial that we remain committed to socially responsible investing in our communities and in the environment and our COIN board members are an integral part in that,” said Commissioner Lara. “I am confident that our new members will bring fresh ideas and unique perspectives to help us further our goals of directing strategic funds to investments with a measurable impact in affordable housing, community development, renewable energy, and preservation of our natural resources.”
 
Doug Bystry, COIN Advisory Board Chair and President/CEO of Clearinghouse CDFI, stated, “I am extremely excited about Commissioner Lara’s move to increase diversity in directing insurance industry investments. This new initiative will bring new resources to underserved, distressed, low-income communities throughout California. We also welcome new members of the COIN Advisory Board, and look forward to their added expertise and input on community development investments.”
 
The next COIN Advisory Board meeting will be held on Thursday, August 13, 2020. More details are available at: www.insurance.ca.gov/COIN.

Idaho — Hands-Free Law: Idaho’s hands-free law has gone into effect. All electronic devices must be hands-free when driving. And that includes when stopped at a red light or a stop sign.

The new law also says cities and counties of Idaho cannot pass their own rules on the subject.

Police are — for now — just issuing warnings. On January 1 of next year, citations will be issued.

Source link: Idaho Statesman

Oregon — Preliminary health insurance rates
: The Oregon Division of Financial Regulation announced today that preliminary rate decisions for 2021 individual and small employer health insurance plans will remain as currently filed by the state’s health insurance companies.
 
Preliminary rate decisions are for individuals who buy their own coverage, rather than getting it through an employer, and for small businesses. The division must review and approve these rates before they can be charged to policyholders.
 
In the individual market, preliminary decisions for the six companies range from an average 3.5 percent decrease to an average 11.1 percent increase, for a weighted average of 1.8 percent. Under the preliminary decisions, Silver Standard Plan premiums for a 40-year-old in Portland would range from $425 to $466 a month.
 
In the small group market, the preliminary decisions for the nine companies range from an average 1.1 percent decrease to an average 7.0 percent increase, for a weighted average of 3.7 percent. Under the preliminary decisions, Silver Standard Plan premiums for a 40-year-old in Portland would range from $335 to $405 a month.
 
See our chart for a full list of preliminary decisions.
 
“Our transparent rate review process has been critical to understanding how health rates will be set for 2021,” said Andrew Stolfi, insurance commissioner and Department of Consumer and Business Services director. “We look forward to gathering more information from insurers and the public during the upcoming hearings before final decisions on 2021 rates are made.”
 
These preliminary decisions will undergo continued review and discussion through virtual public hearings streamed online Tuesday, July 7, and Wednesday, July 8. All Oregonians are encouraged to participate in the public comment period and view the public hearings.
 
The public comment period closes on July 8 at 11:59 p.m. There are two ways to comment on a company’s rate request:
During the virtual meeting: To testify by phone or email, send an email to stephen.w.kooyman@oregon.gov by 11 a.m. Monday, July 6. Include your name and phone number in the email, and join the web meeting at the link posted on the day of the hearing. The division will call on you during the public testimony portion of the hearing.
Click here to comment online and view the company's rate request documents.
Visit the division’s health rate public hearing page, to review each insurance company’s public hearing schedule, and submit comments regarding specific health insurance company’s rates.
 
Final decisions will be announced by early August.

Oregon — State extends emergency order for health insurance companies: The Oregon Department of Consumer and Business Services extended its emergency order for health insurance companies through Aug. 2, 2020.  
 
The order requires health insurance companies to do the following for their customers during the COVID-19 outbreak:
Provide at least a 60-day grace period to pay any past-due premiums
Pay claims for any covered services during the first 30 days of the grace period
Extend all deadlines for reporting claims and other communications, and provide members with communication options that meet physical distancing standards
The order is in effect through Aug. 2, 2020, and will be extended in 30-day increments during the course of the COVID-19 outbreak.
 
Washington — Health Insurance Grace Period: Washington Insurance Commissioner Mike Kriedler has issued another order regarding health insurance. Click here to read his order.

Health Insurance grace period extended: https://dfr.oregon.gov/business/reg/Documents/20200505-Health-Ins-EO.pdf

Washington — Kreidler extends building repair claims order: Insurance Commissioner Mike Kreidler extended an emergency order that requires insurers to extend deadlines relating to withheld depreciation for policyholders who are in the process of completing home or building repairs as part of a property loss claim under a replacement cost policy.  

The deadline is extended 30 days to July 26. The original order, issued on April 27, expires June 26.  

Without the extension, some policyholders in Washington could have been forced to accept a depreciated settlement from an insurer that was less than the replacement cost.

Some policies have a time requirement to complete repairs. Since the residential construction industry was prohibited from doing repair work during a statewide shutdown, some people may have been unable to complete the repairs within the allotted time.  

Washington — Deductibles & Copays: Insurance Commissioner Mike Kreidler extended his emergency order to Washington state health insurers for an additional 30 days requiring them to waive copays and deductibles for any consumer requiring testing for coronavirus (COVID-19).

Insurers also must continue:

    Allowing a one-time early refill for prescription drugs.
    Suspending any prior authorization requirement for treatment or testing of COVID-19.

In addition, if an insurer does not have enough medical providers in its network to provide testing or treatment for COVID-19, it must allow enrollees to be treated by another provider within a reasonable distance at no additional cost.   

The extension is effective immediately and applies to all state-regulated health insurance plans and short-term limited duration medical plans until Aug. 2, 2020.

“Consumers are rightly concerned about prevention, testing and possible treatment,” Kreidler said. “My emergency order provides guidance to health insurers and should help reassure the public that we will take all necessary steps to protect them.”

Kreidler is using powers granted to him following the statewide emergency that Gov. Jay Inslee declared to protect Washington residents against the spread of the coronavirus.

When the governor issues an emergency proclamation, the commissioner can issue an emergency order related to health care coverage to ensure access to care.  The order lasts 60 days and can be extended by the commissioner for an additional 30 days, as long as the governor’s emergency proclamation remains in effect.

Kreidler urged state residents without health insurance to contact Washington’s exchange,  Washington Healthplanfinder to see if they qualify for free health coverage or a special enrollment for individual health insurance.


Tags:  Around the PIA Western Alliance States  California Department of Insurance  COVID-19 AZ  COVID-19 California  COVID-19 Montana  COVID-19 Oregon  COVID-19 Washington  Doug Ducey  Gavin Newsom  Jay Inslee  Kate Brown  Oregon Department of Insurance  Steve Bullock  Washington Department of Insurance 

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Around the PIA Western Alliance States

Posted By Administration, Tuesday, June 30, 2020

California — Consumer Premium Savings: In response to Insurance Commissioner Ricardo Lara ordering premium relief to policyholders affected by the COVID-19 pandemic, California automobile insurance companies have agreed to provide $1.21 billion in savings to drivers. That figure includes $1.03 billion in premium relief for more than 18 million policyholders for the months of March, April, and May while Californians struggled during the start of the COVID-19 pandemic, and an additional $180 million in future rate increases that insurance companies reduced in response to the Commissioner’s orders.
 
“More than $1.2 billion in premium relief and reduced future premiums represents actual savings for California policyholders, many of whom have been hit hard by the COVID-19 crisis,” said Commissioner Lara. “We are still seeing fewer accidents and insurance claims during the pandemic, and I expect the savings to keep growing. The Department of Insurance will continue our review to ensure that premium relief is adequate and fair.”
 
The premium relief per policy for the months of March through May as reported by the 25 largest insurance companies ranges from $19 to $155, depending on the cost of the policy and the company's formula for providing relief. The overall average relief per policy for the top 25 carriers is $57 or 3.63 percent of a policyholder's annual premium.
 
Approximately half the companies returned premium to drivers in the form of a refund or dividend, while the rest offered a credit against future premiums.
 
Commissioner Lara also urged insurance companies to review their recently submitted rate filings in light of the COVID-19 emergency’s effect on policyholders’ risk. As a result, dozens of auto insurance rate filings pending review by the Department of Insurance were withdrawn or significantly reduced representing $180 million in further savings for drivers compared to what insurers initially sought to charge consumers in the coming months.
 
The Department of Insurance is still analyzing reports submitted by insurance companies for the automobile market and also for commercial lines included in the Commissioner’s Bulletins and will have further data available in the future. The Department of Insurance will continue its review of all premium adjustments to ensure they are fair and adequate and reflect policyholders’ reduced risk. All insurance company submissions will be posted online. The public may view any of the submitted reports on the Department of Insurance’s website here, where new reports for the month of June and beyond will subsequently be added.
 
In addition to the new data showing savings for California auto insurance consumers, Commissioner Lara issued a Bulletin extending his previous Bulletin for insurance companies to provide premium relief for all lines of insurance for the month of June. This new Bulletin recognizes that Californians continue to be impacted by COVID-19 and requires that insurance carriers continue to evaluate changes in risk to their policyholders and apply additional savings as warranted through the remainder of the COVID-19 pandemic.
 
Commissioner Lara’s actions mean that California has taken some of the strongest steps to protect consumers from excessive rates. On March 18, as “stay at home” orders were beginning in California, the Consumer Federation of America sent a letter to all state insurance commissioners urging them to provide relief for excessive automobile insurance rates caused by the COVID-19 pandemic. According to the Consumer Federation of America, only California and New Jersey have directed companies to return premiums due to reduced risk through May.

California — Nighttime Workplace Safety: The first ever nighttime lighting standards in the nation have been written for California’s agricultural workers. California Division of Occupational Safety and Health (Cal/OSHA spokesman Doug Parker said these are people doing harvesting and operating vehicles between sunset and sunrise.

“Agricultural workers face additional hazards at night when visibility is limited,” Parker said. “These common-sense standards will enable workers to see hazards and also make them visible to operators of tractors and other equipment.”

Employers must now go to each work site and determine lighting levels and then do what is needed to improve visibility for farm workers. The standards were approved by the Office of Administrative Law and went into effect on July 1st. They will be enforced by Cal/OSHA.

Source link: Insurance Journal

Idaho — Gallagher Acquires Cunningham: Arther J. Gallagher has purchased Meridian-based Cunningham and Associates. Former owners Greg and Nick Cunningham and their staff will continue with the new company.

The terms of the sale were not disclosed.

Cunningham and Associates’ focus has been risk management, loss control and safety financing for primarily agriculture, construction, energy, healthcare, manufacturing, transportation and real estate clients in the intermountain West and around Idaho.

Source link: Insurance Journal

Oregon — Brown Extends Face Covering: Governor Kate Brown announced that Oregonians statewide will be required to wear face coverings in indoor public spaces, beginning this Wednesday July 1. The guidance applies to businesses and members of the public visiting indoor public spaces. Face covering requirements are already mandated in eight counties.

“From the beginning of the reopening process, I have said that reopening comes with the risk of seeing an increase in COVID-19 cases beyond our health systems’ capacity to test, trace, and isolate them,” said Governor Kate Brown. “Over the last month, we have seen the disease spread at an alarming rate in both urban and rural counties. The upcoming July 4th holiday weekend is a critical point for Oregon in this pandemic, and we can all make a difference.

“Modeling from the Oregon Health Authority shows that if we don’t take further action to reduce the spread of the disease, our hospitals could be overwhelmed by new COVID-19 cases and hospitalizations within weeks.

“The choices every single one of us make in the coming days matter.

“Face coverings that cover your nose and mouth play a critical role in reducing the spread of this disease because droplets from our breath can carry the virus to others without us realizing it. If we all wear face coverings, practice six feet of physical distancing in public, wash our hands regularly, and stay home when we are sick, then we can avoid the worst-case scenarios that are now playing out in other states.

“I do not want to have to close down businesses again like other states are now doing. If you want your local shops and restaurants to stay open, then wear a face covering when out in public.

“Please keep your Fourth of July celebrations small and local. We saw a lot of new COVD-19 cases following the Memorial Day holiday. Another spike in cases after the upcoming holiday weekend could put Oregon in a dangerous position.

“Oregonians have all made incredible sacrifices over the last several months that have saved thousands of lives. The actions we take now can protect our friends, neighbors, loved ones, and fellow Oregonians from this disease, and prevent the need for another statewide shutdown. We are truly all in this together.”

Oregon Occupational Safety and Health (OSHA) will take the lead, along with other state and local agencies, in enforcing face covering requirements for all covered Oregon businesses.

Washington — Inslee Pauses Phase 4:
Gov. Jay Inslee and Sec. John Wiesman announced today the Washington State Department of Health is putting a pause on counties moving to Phase 4 though the “Safe Start” phased approach. Rising cases across the state and concerns about continued spread of the COVID virus have made Phase 4, which would essentially mean no restrictions, impossible at this time.  

Eight counties were eligible to move from Phase 3 to Phase 4 before the pause.  

"Phase 4 would mean a return to normal activity and we can’t do that now due to the continued rise in cases across the state," Inslee said. "We all want to get back to doing all the things we love in Washington during the summer, and fully open our economy, but we aren’t there yet. This is an evolving situation and we will continue to make decisions based on the data."  

“The best thing Washingtonians can do to slow the spread of the virus and save lives is to wear facial coverings, continue to maintain physical distancing and good hygiene practices," Wiesman said. "Now that testing supplies are available, it is critical to get a test if you have any symptoms suggestive of COVID-19 or have been in close contact with someone who has COVID-19."

Wiesman sent a letter to local and tribal health leaders throughout the state on Saturday. The letter states: "Dear Local and Tribal Health Leaders, "I am writing to let you know Governor Inslee and I have decided to pause progression to Phase 4 statewide.  

"We decided to prohibit any counties from moving into phase 4 at this time due to increasing COVID-19 activity across the state and significant rebounds in COVID-19 activity in several other states. The changes between Phase 3 and Phase 4, especially with regards to gathering size and occupancy rates, could further increase the spread of COVID-19 in our state, even in communities that have very low rates of disease. The progress we’ve made thus far is at risk, therefore we are making the prudent choice to slow down our phased approach to reopening.

"In the next couple of weeks, I will work with Governor Inslee and his team to assess the need for a modified approach for moving beyond Phase 3. I will communicate that
Put the power of PIA in Motion in your office today! www.piawest.com| Facebook | Twitter | LinkedIndecision to you when we have more information. Counties that are currently able to apply to move from Phase 1 or 2 are still able to apply when eligible.

"Thank you for your continued work to protect the health of Washingtonians during this unprecedented time.

Washington — From the Department of Insurance: Kreidler extends withheld depreciation deadline for insurance claims for building repairs

Insurance Commissioner Mike Kreidler extended an emergency order that requires insurers to extend deadlines relating to withheld depreciation for policyholders who are in the process of completing home or building repairs as part of a property loss claim under a replacement cost policy.  

The deadline is extended 30 days to July 26. The original order, issued on April 27, expires June 26.  

Without the extension, some policyholders in Washington could have been forced to accept a depreciated settlement from an insurer that was less than the replacement cost.

Some policies have a time requirement to complete repairs. Since the residential construction industry was prohibited from doing repair work during a statewide shutdown, some people may have been unable to complete the repairs within the allotted time.  


Tags:  Around the PIA Western Alliance States  California Department of Insurance  Idaho Department of Insurance  Oregon Department of Insurance  Washington Department of Insurance 

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Around the PIA Western Alliance States

Posted By Administration, Tuesday, June 16, 2020

California — Uber & Lyft Drivers Employees: California’s new gig law says Uber and Lyft  drivers are employees and not contractors. The final ruling on the matter comes from the California Public Utilities Commission (CPUC) and it comes six-months after the Legislature’s law took effect.

In the case of the two ride-sharing companies, a contractor is exempt from overtime, health insurance requirements and workers’ compensation payments. Nothing personal, the CPUC noted. It is required to enforce the law.

‘For now, TNC drivers are presumed to be employees and the Commission must ensure that TNCs comply with those requirements that are applicable to the employees of an entity subject to the Commission's jurisdiction,” the commission said in its decision. .

Critics say this will have a major impact on the new gig economy business model.

And Uber and Lyft aren’t buying the decision. In a statement, Uber said, “If California regulators force rideshare companies to change their business model it would affect our ability to provide reliable and affordable services, along with threatening access to this essential work Californians depend on.

Lyft said the decision if “flawed.”

Source link: Business Insurance

Oregon — From the Department of Insurance: In accordance with social distancing measures necessary during the  COVID-19 pandemic, the public hearing for the second set of permanent rules for the Corporate Activity Tax will take place via conference call 9 to 11 a.m. Tuesday, June 23.

To participate in the hearing, interested parties should call 541-465-2805 and enter the conference PIN 234470 when prompted. Those wishing to testify at the hearing will need to register beginning at 8:45 a.m. on the conference call line. Those needing to make alternate arrangements for registration should contact the Department of Revenue (DOR) rules coordinator before 8:45 a.m. June 23.
 
Taxpayers may also send written comments to the rules coordinator by email, fax, or mail. Comments must be received no later than 5 p.m. June 23. Contact information for the rules coordinator is included below.
 
Katie McCann
Administrative Rules Coordinator
Director's Office
955 Center St NE
Salem, OR 97301-2555
Direct telephone: 503-509-9787
E-mail: Rulescoordinator.dor@oregon.gov
FAX: 503-945-8290
 
The CAT rules being considered are:

150-317-1050 Sourcing of Commercial Activity for Financial Institutions.
150-317-1060 Farmers Sales to Agricultural Cooperatives.
150-317-1140 Wholesale sale of groceries exclusion.
150-317-1400 Determining property resold out of state and methods of determining.
The rules and additional information about the hearing can be found on the administrative rules page of the Revenue [website.]( https://www.oregon.gov/dor/Pages/index.aspx)
 
Taxpayers with general questions about the CAT can email cat.help.dor@oregon.gov or call 503-945-8005.
 
Thank you.
 
Corporate Activity Tax Policy Team
Oregon Department of Revenue
cat.help.dor@Oregon.gov

Washington — From the Department of Insurance:
Notice of rulemaking on Removing health coverage barriers to accessing substance use disorder treatment services (R 2020-10)

We are starting rulemaking (R 2020-10) to review existing rules related to the provisions of ESHB 2462. The Office of the Insurance Commissioner may need to amend rules in regard to carrier prior authorization processes and the definition of medical necessity for behavioral health services. New rules may need to be adopted. Such rules will facilitate implementation of the law by ensuring that all affected entities understand their rights and obligations under the new law.

Comments are due July 1, 2020; please send them to rulescoordinator@oic.wa.gov.

For more information, including the notice to start rulemaking (CR-101), click here to visit the rule's webpage.

Notice of rulemaking on Change of insurance – offset of expenses of group policyholder (R 2020-08)

We are starting rulemaking (R 2020-08). The Legislature passed SHB 1075 during the 2019 legislative session. Based on the legislation, the Office of the Insurance Commissioner needs to develop rules to provide guidance for companies to use and apply implementation credits.

Please send comments to rulescoordinator@oic.wa.gov.

For more information, including the notice to start rulemaking (CR-101), please visit the rule's webpage.

Notice of rulemaking on Change of insurance – offset of expenses of group policyholder (R 2020-08)

We are starting rulemaking (R 2020-08). The Legislature passed SHB 1075 during the 2019 legislative session. Based on the legislation, the Office of the Insurance Commissioner needs to develop rules to provide guidance for companies to use and apply implementation credits.

Please send comments to rulescoordinator@oic.wa.gov.

For more information, including the notice to start rulemaking (CR-101), please click here to visit the rule's webpage.

Notice of rulemaking on Life insurance - behavioral change incentives (R 2020-09)

We are starting rulemaking (R 2020-09). The Legislature passed SSB 6052 during the 2020 legislative session. The Office of the Insurance Commissioner needs to develop rules establishing standards to ensure incentives intended to influence consumer behavior are directed toward protecting policyholder privacy rights and safeguarding consumer protection in the administration of life insurance products.

Please send comments to rulescoordinator@oic.wa.gov.

For more information, including the notice to start rulemaking (CR-101), please click here to visit the rule's webpage.


Tags:  Around the PIA Western Alliance States  California contract employees  California Public Utility Commission  Lyft  Oregon Department of Insurance  Uber  Washington Department of Insurnace  Weekly Industry News 

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Around the PIA Western Alliance States

Posted By Administration, Tuesday, June 9, 2020

California — COVID-19 Work Comp Estimate: California’s Workers’ Compensation Insurance Rating Bureau (WCIRB) took a look at the impact of COVID-19 on the state’s workers’ compensation system.

The study is called the Impact of Economic Downturn on California Workers’ Compensation Claim Frequency. It looks at claim frequency of recessions and their impacts from 1961 to 2017. The conclusion is that claim frequency is likely to decline during years of recession.

The decline will be — however — modest.

The WCIRB said Governor Gavin Newsom’s edict that COVID-19 work comp claims will be approved without having to provide proof will cost the state between $0.6 billion and $2.0 billion. The mid-range on the estimate is $1.2 billion.

That’s a lot better than the original estimate of $10 billion.

Source link: Insurance Journal
 
Montana — Holland Capital Management Purchases PayneWest Dillion Operation: PayneWest Insurance, Inc., the largest independent, employee-owned, agency in the Northwest, announced  they have entered into a definitive agreement with Holland Capital Management, owner of Novich Insurance of Twin Bridges and Key Insurance of Big Timber, and Key Insurance of Livingston, to sell their Dillon Montana insurance operations.  The transaction is expected to close on or about June 30, 2020, and Novich Insurance will continue to operate from the current PayneWest Insurance location at 203 Southside Blvd.

Holland Capital Management is owned and operated by Tyler Holland and has locations in Big Timber, Twin Bridges and Livingston, Montana.  Tyler’s father, Tom Holland, will be retiring from PayneWest Insurance on July 4th after having spent 44 successful years as an insurance agent - 27 of them with PayneWest and its predecessor.  All other PayneWest Dillon colleagues will remain in the new Dillon agency office, continuing the excellent service clients have become accustomed to over the years.    

“The Holland family and all our insurance colleagues are excited to continue serving the insurance and employee benefits needs of the businesses and families in the Dillon community,” said Tyler Holland, “and we look forward to having the PayneWest Dillon team join our other branches.”

“Our company has always been focused on bringing quality people, resources and insurance solutions to clients.  We are confident Tyler and his staff will continue this legacy of service and expertise, as well as continuing support of the Dillon community,” said Kyle Lingscheit, President and CEO of PayneWest.   

Washington — From the Department of Insurance: Notice of rulemaking on Continued implementation of The Balance Billing Protection Act (R 2020-07)

We are starting rulemaking (R 2020-07) to refine implementation processes and clarify terms related to several components of the new law. Such rules will facilitate implementation of the law by ensuring that all affected entities understand their rights and obligations under the law.

Comments are due June 17, 2020; please send them to rulescoordinator@oic.wa.gov.

For more information, including the notice to start rulemaking (CR-101), please click here to visit the rule's webpage.

Notice of rulemaking on Prohibiting discrimination in health care coverage (R 2020-06)


We are starting rulemaking (R 2020-06) to implement SHB 2338, which amends the state mental health parity law and addresses protection from discrimination in health plans.

Comments are due June 17, 2020; please send them to rulescoordinator@oic.wa.gov.

For more information, including the notice to start rulemaking (CR-101), please click here to visit the rule's webpage.

Notice of rulemaking on health care benefit managers (R 2020-04)

We are starting rulemaking (R 2020-04) to amend existing rules and add new sections necessary to implement Chapter 240, Laws of 2020, requiring registration of health care benefit managers and related filings.

Comments are due July 1, 2020; please send them to rulescoordinator@oic.wa.gov.

For more information, including the notice to start rulemaking (CR-101), please click here to visit the rule's webpage.

Updating the Actuarial Opinion and Memorandum Regulation (R 2020-05) CR-101 and stakeholder draft posted


We released the CR-101 and a stakeholder draft for the Actuarial Opinion and Memorandum Regulation rule (R 2020-05). This rule would amend WAC 284-07-310 through 284-07-400, the Actuarial Opinion and Memorandum Regulation, to more clearly align with RCW 48.74 and industry standards.

Comments on the stakeholder draft are due June 19, 2020; please send them to rulescoordinator@oic.wa.gov.

For more information, including the text of the stakeholder draft, please click here to visit the rule's webpage.


Tags:  Around the PIA Western Alliance States  California Department of Insurance  Dillion  Holland Capital Management  Montana  PayneWest  Washington Department of Insurance 

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Around the PIA Western Alliance States

Posted By Administration, Tuesday, May 19, 2020

California — Lara’s Diversity Task Force Appointees: Insurance Commissioner Ricardo Lara announced the newest members of the Insurance Diversity Task Force, which makes recommendations to the Insurance Commissioner on innovative ways to increase diversity within the insurance industry.
 
Commissioner Lara’s newest appointments include the first Hmong-American member who brings extensive leadership in representing underserved populations including immigrants, refugees, New Americans, small business owners, and farmers, and an appointee who leads a national organization representing the issues and interests of more than 1.3 million women business owners in California.
 
“I am honored to announce the appointments of Blong Xiong and Vikita Poindexter, both of whom are truly experts in their fields and advocates on behalf of diverse small business owners, and the reappointment of several exceptional members of the Diversity Task Force,” said Commissioner Lara. “I am confident that our new and returning members will help us push forward the goals of the Insurance Diversity Initiative to further empower diverse businesses with resources to grow and sustain their business, especially during this extraordinary pandemic as businesses across the state grapple with how to get back on their feet.”
 
The Insurance Diversity Task Force (Task Force) was formed in 2012 as part of the Department’s Insurance Diversity Initiative, which encourages insurers to increase procurement contracts with diverse business owners, including women-owned, veteran- and disabled veteran-owned, minority-owned, and LGBT-owned businesses, as well as advance the diversity of insurance company corporate boards. The Task Force was formally codified in law on January 1, 2020 with Governor Gavin Newsom’s signing of Senate Bill 534, a bill sponsored by Commissioner Lara and authored by Senator Steven Bradford (D-Gardena).
 
Task Force members propose ideas and actions to Commissioner Lara and the Department to encourage insurance companies to utilize diverse suppliers and to increase diversity among their governing boards. The transparency achieved through this initiative has helped demonstrate the progress of increased procurement between insurers contracting with California’s diverse-owned businesses, which significantly increased by 93% over a five-year period, from $930 million in 2012 to $1.8 billion in 2017.
 
“During this unprecedented moment in history where small businesses are experiencing the devastating impact of COVID-19, it is even more important that the insurance industry works together with our Task Force members, who are committed to helping us address the growing needs of our diverse businesses in order to help them navigate this challenging time,” said Commissioner Lara.
 
“The effects of a global pandemic also require deliberate and timely decisions at the governing board level, and creating greater opportunities to advance board diversity continues to remain at the forefront of my commitment to diversity and the state’s small business community,” emphasized Commissioner Lara. According to data collected by the Department, in 2017, insurers reported that board seats continue to be disproportionately represented by men, with 80% of governing board seats held by men and only 12% of board seats held by persons of color. The Commissioner’s reappointed members include experts in the field of governing board diversity, who will help provide greater insight on the types of resources that the Department can provide to the boards of insurance companies as they make key decisions amidst the rapidly-evolving insurance environment.
 
The next Task Force meeting will be held on Wednesday, June 3, 2020. More details are available at: www.insurance.ca.gov/diversity or you may send an email to: diversity@insurance.ca.gov.
 
Oregon — Apply to become the Division of Financial Regulation Administrator: The Department of Consumer and Business Services is seeking its next leader of the Division of Financial Regulation (DFR).

The division is responsible for regulating and supervising the financial service sector in Oregon, including insurance companies; state-chartered banks, trust companies, and credit unions; securities; and about a dozen nondepository institutions such as payday lenders, mortgage lenders, and mortgage loan servicers.

The approximately 175 division employees work to protect Oregonians' access to fair products and services through education, regulation, and consumer assistance. They assist consumers and handle complaints about mortgage lenders, loan originators, finance service professionals, and most lines of insurance. The divsion also runs the state’s prescription drug price transparency program and the Affordable Care Act-authorized Oregon Reinsurance Program.

Do you have executive level management experience that involves
• Development of program rules and policies
• Development of long- and short-range (strategic) goals and plans
• Program evaluation
• Budget preparation

Salary Range: $7,586 - $11,171. Work/life balance, 10 paid holidays a year, and a competitive benefits package included.

Learn more about the position and apply to be the administrator for DCBS’ Division of Financial Regulation:
http://dcbspage.org/REQ-39849

Washington — Insurance Help with Unemployment: Insurance Commissioner Mike Kreidler and Employment Security Department Commissioner Suzi LeVine are asking insurance companies in Washington if they can lend expertise in two areas:

    Unemployment Insurance Specialist Level 4 Adjudicator
    Fraud Investigator Level 3

Employment Security will pay for those hired for three to six months along with providing the training and equipment needed for the jobs. The agency is dealing with an unprecedented number of claims.

“We are asking for your help to address this historic volume of unemployment applications,” LeVine and Kreidler note in their letter to Washington insurers. “With this volume of applications also comes a volume of claims that require adjudication and investigation. But, as you know, you can’t just add water and grow adjudicators and investigators. They are skilled and often take years to hone their abilities.”

Adjudicators examine claims to determine eligibility for unemployment compensation. The monthly pay ranges from $4,600 to $6,036 depending on qualifications.

Fraud investigators look for fake claims and patterns of criminal activity. The monthly pay ranges from $3,682 to $4,829.

To apply, contact Sam Virgil, Strategic Initiatives Manager, Unemployment Insurance Customer Support Division at SVirgil@esd.wa.gov or (360) 742-7095.

Source: Washington Department of Insurance

Washington — Premium Forgiveness: Insurance Commissioner Mike Kreidler said he welcomes the effort of two health insurers doing business in Washington to provide short-term premium forgiveness to many of their policyholders.

Premera Blue Cross, based in Mountlake Terrace, said it would provide a one-time, up to 15% premium forgiveness totaling up to $20 million for its policyholders in the small- and large-group commercial markets where employers buy plans for their employees. This would affect over 200,000 policyholders and apply no later than August.

The short-term premium forgiveness is the result of consumers postponing elective surgeries and other medical care during the coronavirus pandemic. Insurance companies have seen claims decline during this period.

“This is the responsible action to take to help policyholders during a time of great need,” Kreidler said. “The current pandemic has created unique circumstances and opportunities for some insurers to help consumers with financial support. The company’s action will help put a little money back into the pockets of many Washington residents.”

UnitedHealthcare, based in Minnesota, also announced a nationwide $1.5 billion premium forgiveness through a one-time discount on customer bills. The company’s effort affects about 18,500 consumers in Washington who receive healthcare coverage in the small- and large-group commercial markets.

UnitedHealthcare said it will provide premium credits ranging up to 10% to Washington customers in May.

Kreidler added that his office will review rate filings for all types of insurers doing business in Washington to make sure that no company is taking advantage of policyholders during the current pandemic.

 "I certainly appreciate the efforts to help to date,” Kreidler said. “But my office will continue to be vigilant in its reviews."

Source: Washington Department of Insurance

Tags:  Around the PIA Western Alliance States  California Department of Insurance  Mike Kreidler  Oregon Department of Insurance  Ricardo Lara  Washington Department of Insurance  Weekly Industry News 

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Posted By Administration, Tuesday, May 12, 2020
Alaska — Notice of Public Forum: Alaska Section 1332 Innovation Waiver:
 
Patient Protection and Affordable Care Act. The waiver provided an estimated $322 million in federal funding to support the Alaska Reinsurance Program through 2022, which has helped to reduce premium costs and provide stability in Alaska’s individual health care insurance market. The waiver took effect on January 1, 2018. Under the specific terms and conditions of the award, the division has scheduled its annual forum to collect meaningful public comment on the progress of the waiver. Due to the COVID-19 emergency, the forum will be held telephonically. Interested parties may attend by teleconference as listed below, or may submit comments in writing up to 5:00 pm Alaska Time Zone on June 16, 2020.
 
When:
 
June 16, 2020
9:00 am – 10;00 am (Alaska Time Zone)
 
Teleconference Number:
 
1-800-315-6338 (Access Code: 42070#)
 
Submit comments in writing to:
 
Alaska Division of Insurance
P.O. Box 110805
Juneau, Alaska 99811-0805
Email: insurance@alaska.gov
 
Written comments are due by 5:00 pm Alaska Time Zone on June 16, 2020.
 
Reference Documents:
 
Alaska's Section 1332 Waiver Application — https://www.commerce.alaska.gov/web/Portals/11/Pub/Headlines/Alaska%201332%20State%20Innovation%20Waiver%20June%2015%202017.pdf?ver=2017-06-26-091456-033

Federal Approval Notice — https://www.cms.gov/CCIIO/Programs-and-Initiatives/State-Innovation-Waivers/Downloads/Alaska-STCs-signed-by-Treasury.pdf

2020 Federal Pass-Through Funding Calculation — https://www.cms.gov/CCIIO/Programs-and-Initiatives/State-Innovation-Waivers/Downloads/1332-AK-2020.pdf
 
Notice of Public Forum: https://www.commerce.alaska.gov/web/Portals/11/Pub/Notice_Section1332_05.11.2020.pdf

California — Newsom Issues Workmans’ Compensation Order: California Governor Gavin Newsom issued an executive order involving workers’ compensation. The governor has created a time-limited rebuttable presumption for accessing workers’ compensation benefits applicable to Californians who must work outside of their homes during the stay at home order.

In other words, the state will assume that any worker contracting the COVID-19 virus was exposed at work and not elsewhere.

“We are removing a burden for workers on the front lines, who risk their own health and safety to deliver critical services to our fellow Californians, so that they can access benefits, and be able to focus on their recovery,” the governor said. “Workers’ compensation is a critical piece to reopening the state and it will help workers get the care they need to get healthy, and in turn, protect public health.”

Those eligible will have the rebuttable presumption if they tested positive for COVID-19 or were diagnosed with COVID-19 and confirmed by a positive test within 14 days of performing a labor or service at a place of work after the stay at home order was issued on March 19, 2020. The presumption will stay in place for 60 days after issuance of the executive order.

Source link: California Department of Insurance

Oregon — Governor Brown & Budget Cuts: Governor Kate Brown issued the following statement today on the state budget and upcoming May revenue forecast:
 
“One of the many challenging results of the COVID-19 pandemic is the dramatic impact on our economy. With many Oregon businesses restricted or shut down, travel suspended and jobs lost, we expect the revenue that we receive to fund state services will also be significantly reduced,” said Governor Brown.
 
“We anticipate a significant budget impact in the state revenue forecast coming on May 20, which will lead to some really difficult decisions. Our early discussions indicated this impact could be a reduction of $3 billion for the current budget period. We are exploring all available options to weather this recession, and I have directed state agencies to prepare prioritized reduction plans equaling a 17 percent reduction for the upcoming fiscal year as a planning exercise to explore all options. We haven’t made any final decisions, and the agency plans serve as important information gathering at this point. We know a potential cut of this magnitude would be extremely drastic.
 
“Whether the state will need to implement this level of cuts will be dependent on several factors, most importantly the need for additional federal funding to support state services, including our K-12 public school system. I will continue to work with Oregon’s congressional delegation in calling for more federal support. I will also work closely with Legislative leadership on the best ways to balance the budget. I am committed to doing so in a thoughtful, collaborative manner that explores all tools available.
 
“While these are uncertain times, one thing is clear: state employees are working many long hours to keep Oregonians safe and secure during this pandemic. In this time of crisis, Oregonians rely on state services more than ever, and cutting critical state services will be a last resort.”

Oregon — State issues emergency order for health insurance companies: The Oregon Department of Consumer and Business Services issued a new emergency order for health insurance companies during the COVID-19 outbreak.
 
The order requires health insurance companies to:

Provide at least a 60-day grace period to pay any past due premiums
Pay claims for any covered services during the first 30 days of the grace period
Extend all deadlines for reporting claims and other communications, and provide members with communication options that meet physical distancing standards
The order is in effect through June 3 and will be extended in 30-day increments during the course of the COVID-19 outbreak.

READ THE COMPLETE ORDER: https://dfr.oregon.gov/business/reg/Documents/20200505-Health-Ins-EO.pdf

Washington — Contractors Insurance NW Sold: Heffernan Insurance Brokers has purchased Olympia’s Contractors Insurance NW. Heffernan is an independent insurance brokerage out of Walnut Creek, California.

Contractors Insurance NW offers contractors insurance to contractors in Washington, Oregon, California, Idaho, and Texas.

Heffernan sells a variety of financial services products and insurance.

Source link: Insurance Journal

Washington — Kreidler on Credit Scoring: Insurance Commissioner Mike Kreidler is reminding consumers of a new federal protection that applies to how insurance companies use a consumer’s credit history.

The federal Coronavirus Aid, Relief and Economic Security (CARES) Act amends the Fair Credit Reporting Act and protects consumers during the coronavirus pandemic from any negative credit reporting as long as their accounts were in good standing before the pandemic started.

This protection also applies to how insurers use credit history to calculate how much consumers pay for auto and homeowners insurance.

“The initial focus of the act was on stimulus payments, but it’s also important to alert people to new protections regarding credit scoring,” said Kreidler. “Millions of people have lost their jobs and are likely struggling to pay their bills during this pandemic. It’s critical that we do what we can to make sure they’re not further harmed during these financially devastating times.”

The CARES Act:

    Prohibits a creditor from reporting an individual’s delinquent payments to a credit reporting agency if the individual was up-to-date on their payments before the pandemic started.  
    If asked, a creditor may also allow an individual to defer one or more payments, make a partial payment, or modify a loan or contract.

The 120-day duration of the moratorium took effect March 27. It is likely to be extended until the federal administration declares an end to the current national emergency.

Kreidler has been a vocal opponent of the use of credit information in insurance and worked to restrict its use in Washington state early in his administration.

“I first heard about insurers using credit information 2001,” said Kreidler. “I thought it was incredibly unfair then and worked to limit its use. While some people may benefit, I still believe many more people are harmed by it.”

“I want people to know they have these new but temporary protections now and that I’m closely monitoring how insurers use credit information. If we see people are being harmed by its use, I’ll use my authority to limit the practice where I can.”

Washington state law restricts how insurers can use credit information when determining who to offer coverage to and how much to charge someone.  

Anyone who believes their credit information has been misused by their insurance company should contact Kreidler’s consumer protection division either online or by calling 1-800-562-6900.


Tags:  Alaska Department of Insurance  Around the PIA Western Alliance States  Oregon Department of Insurance  PIA Western Alliance  Washington Department of Insurance  Weekly Industry News 

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Around the PIA Western Alliance States

Posted By Administration, Tuesday, May 5, 2020


California — Work Comp Costs Predicted to Soar: The state has expanded workers’ compensation to include the assumption that essential workers are going to be using it. The price tag could go as high as $33.6 billion.

That is 61% of the total cost of the system before the virus hit.

This information is courtesy of the Workers Compensation Insurance Rating Bureau of California (WCIRB). Those included are health care workers like doctors and nurses and technicians, firefighters, front line law enforcement and so on.

Source link: Business Insurance

Montana — COVID-19 Task Force: Governor Steve Bullock formed a task force to help determine how to spend federal dollars sent to Montana to offset costs of the COVID-19 pandemic.

The task for has recommended the $1.25 billion be spent first on food banks and homeless shelters and other safety net services. The group also wants dollars sent to people to help with rent and mortgage assistance.

The recommendations were general in nature and not specific.

The governor is now distributing those funds based on the recommendations.

Source link: Independent Record

Washington — Kreidler on Supreme Court ObamaCare Decision: Insurance Commissioner Mike Kreidler anticipates that a U.S. Supreme Court ruling last week will provide $106 million to health insurers operating in Washington and could possibly lead to premium relief for consumers who buy coverage on the individual health insurance market.

The 8-1 ruling on April 27 mandates the federal government pay participating health insurers nationwide a combined $12 billion.

The Affordable Care Act (ACA) created the Risk-Corridor Program to stabilize health premiums and provide a financial backstop for insurers willing to participate in the new market. In 2014, the Republican-controlled Congress blocked full payment for the program. It was one of three programs created by the ACA designed to help keep premiums low and provide overall stability.  

Ten health insurers that offered health plans in Washington’s individual and small group markets from 2014 through 2016 are due $106.5 million. They include:

    Premera Blue Cross – $42.8 million
    Group Health Cooperative (now Kaiser Foundation Health Plan of Washington) – $21.6 million
    Lifewise Health Plan of Washington (subsidiary of  Premera Blue Cross ) – $14.3 million
    Moda Health Plan – $11.6 million
    Kaiser Foundation Health Plan of the Northwest – $6.6 million
    Bridgespan Health Company (subsidiary of Regence BlueShield) – $ 3.8 million
    Molina Healthcare of Washington – $2.8 million
    Community Health Plan of Washington – $1.7 million
    UnitedHealthCare of Washington – $1.4 million
    Health Alliance Northwest Health Plan – $16,000

Moda Health Plan left the Washington individual market in 2017 after Congress rejected the risk corridor payments to the company. The court ruling this week means the company is due to receive $249 million for its nationwide operations, including the $11.6 million for its previous Washington business.

“I agree with the court’s ruling that a Republican Congress led a ‘bait-and-switch’ of staggering dimensions,’” Kreidler said. “Their effort resulted in some insurers becoming insolvent and others to abandon individual markets, which left consumers with fewer choices and higher costs. Instead of working to improve the Affordable Care Act, they have done everything they can to undermine it and harm consumers. The Supreme Court this week made a definitive statement on their adverse actions.”

Kreidler said his office will contact the insurers owed money to determine how they will use the funds when calculating future premiums for their individual market health plans. He noted the companies have yet to learn when they will receive the funding from the Trump administration.

“We are going to watch closely how the insurers use the money and hold them accountable to those who buy their insurance through the individual market,” Kreidler said. “This is especially important now with more people losing their employer-based coverage because of the coronavirus effects and who may be looking for coverage.”

Approximately 248,000 people who don’t get coverage from their employer buy their own health insurance through the individual market, with most shopping on the Washington Exchange. In Washington, 65% of people who buy plans on the Exchange qualify for subsidies that help lower their monthly premiums.

A special enrollment period for Exchange plans in response to the coronavirus pandemic continues through May 8.

Source link: Washington Department of Insurance


Tags:  Around the PIA Western Alliance States  Insurance News  The Affordable Care Act  Weekly Industry News 

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Around the PIA Western Alliance States

Posted By Administration, Tuesday, April 28, 2020

California — COVID-19 & Work Comp Costs: California is looking at expanding workers’ compensation to include essential workers infected by the COVID-19 virus. That could up the state’s workers’ compensation costs to $33.6 billion.

Doing that will make that portion of the total bill as much as 61%.

This figure came from the Workers Compensation Insurance Rating Bureau of California and is a response to an edit by the California State Assembly Insurance Committee. The WCIRB defined these as health care workers, firefighters, emergency responders, front-line law enforcement officers and other essential critical infrastructure employees.

In total the state has 6.8 million workers in 16 different sectors that are deemed as essential workers. The data says the average cost will hit $1,500 with severe claims going as high as $51,000. Critical cases could top $127,000 on average.

Source link: Business Insurance

Idaho — Complying with Regulatory Requirements during the Public Health Emergency: This bulletin is to inform all insurance companies of flexibility regarding compliance with regulatory requirements during the COVID-19 public health emergency. This flexibility is being provided in part to recognize that Idaho and other states anticipate using additional targeted information requests to gather more specific information and your prompt attention to those matters is appreciated.
 
On March 13, 2020, Governor Brad Little declared a state of emergency due to the occurrence and imminent threat to public health and safety arising from the effects of the 2019 novel coronavirus (“COVID-19”). This declaration states, in part:
 
State agencies and departments are directed to utilize state resources and to do everything reasonably possible to assist affected political subdivisions in an effort to respond to and recover from the 2019 novel coronavirus (COVID-19).
 
****
 
State licensing agencies and departments are authorized to temporarily exercise enforcement discretion, implement temporary rules, and waive licensing and related requirements to maximize access to health care services and provider support in response to COVID-19.
 
The emergency proclamation has the force and effect of law. Idaho Code section 46-1008.
 
The Director of the Department of Health and Welfare issued an Order to Self-Isolate based on the COVID-19 emergency on March 25, 2020. These pandemic conditions make compliance with regulatory requirements more challenging.
 
Therefore, pursuant to sections 41-210(2) and 41-210(5), Idaho Code, the Department hereby notifies all authorized insurers of flexibility regarding compliance with regulatory requirements.
 
Regulatory Filing Deadlines
At this time, companies are still required to make all required electronic filings with the NAIC (e.g., quarterly financial statements, audited financial statements), or for those that are not filed with the NAIC but to the Department analyst assigned to your company. However, upon a request from an insurer, the Department may allow insurers additional time to complete the following filings, as described below. The Department reserves the right to reject any such individual company requests based upon the financial condition and unique circumstances of that company deemed applicable to that company. If your company believes that it will not be able to meet any of the original financial filing deadlines as shown below, please submit your request for extension of specific deadlines to Nathan Faragher and Weston Trexler at the Department at Nathan.Faragher@doi.idaho.gov and Weston.Trexler@doi.idaho.gov.
 
Filings with a Potential 30-day Extension
 
May 1, 2020 - Combined Annual Statement Filing (Property)
May 1, 2020 - Combined Insurance Expense Exhibit (Property)
June 1, 2020 - Accountant’s Letter of Qualifications (Property, Life/Fraternal, Health, Title)
Aug. 15, 2020 - PBR Exemption filing due to state 7/1 and to NAIC 8/15 (Life/Fraternal)
 
Filings with a Potential 60-day Extension
 
June 1, 2020 - Audited Financial Report (Property, Life/Fraternal, Health, Title)
Aug. 1, 2020 - Communication of Internal Control Related Matters Noted in Audit (Property, Life/Fraternal, Health, Title)
June 1, 2020 - Corporate Governance Annual Disclosure (CGAD)
December 31, 2020 - Own Risk and Solvency Assessment (ORSA) Summary Report
June 1, 2020 - Form B Registration Statement & Related Form C
June 1, 2020 - Risk Assessment Report (Form F)
 
The filing deadlines for the components of the 2019 annual filings that, if applicable, should be submitted only to an insurer’s state of domicile are as follows:
 
Apr. 30, 2020 - Actuarial Memorandum Required by Actuarial Guideline XXXVIII 8D (Life/Fraternal)
Aug. 1, 2020 - Management’s Report of Internal Control Over Financial Reporting (Property, Life/Fraternal, Health, Title)
 
Filings with a Potential 30-day Extension
 
The NAIC filing deadlines and requirements for the 2020 quarterly electronic filings are as follows, all due May 15, 2020:
 
Quarterly Statement Filing as of March 31, 2020 (Property, Life/Fraternal, Health, Title)
Trusteed Surplus Statement – Quarter Ending March 31, 2020 (Property, Life/Fraternal)
Supplement A to Schedule T (Medical Professional Liability Supplement) – Quarter Ending March 31, 2020 (Property)
Medicare Part D Coverage Supplement – Quarter Ending March 31, 2020 (Property, Life/Fraternal, Health)
Merger/history quarterly form, if applicable (Property, Life/Fraternal, Health, Title) (electronic txt file only)
Reasonableness of Assumptions Certification Required by Actuarial Guideline XXXV – Quarter Ending March 31, 2020 (Life/Fraternal)
Reasonableness and Consistency of Assumptions Certification Required by Actuarial Guideline XXXV – Quarter Ending March 31, 2020 (Life/Fraternal)
Reasonableness of Assumptions Certification for Implied Guaranteed Rate Method Required by Actuarial Guideline XXXVI – Quarter Ending March 31, 2020 (Life/Fraternal)
Reasonableness and Consistency of Assumptions Certification Required by Actuarial Guideline XXXVI (Updated Average Market Value) – Quarter Ending March 31, 2020 (Life/Fraternal)
Reasonableness and Consistency of Assumptions Certification Required by Actuarial Guideline XXXVI (Updated Market Value) – Quarter Ending March 31, 2020 (Life/Fraternal)
Director and Officer Insurance Coverage Supplement – Quarter Ending March 31, 2020 (Property)
 
Electronic Filings and Signatures
The Department generally instructs companies to file certain documents in hard copy form with original (wet) signature, and in some cases sent via certified mail or first-class and with notary requirements. The hard copy, original signature, and related filing requirements are currently waived. However, companies are expected to keep a list of all filings that were made electronically in lieu of hard copy filings so that they can file all the hard copies within 60 days after the state has allowed a return to work. The Department expects electronic communication will be used by companies on all other financial related communication, with hard copies provided within 60 days if required by law.
 
On-site Examinations
Some insurers have inquired whether the Department will continue to conduct on-site examinations during the COVID-19 pandemic. The Department will not conduct any on-site examination work that is contrary to the spirit of any public health directive. As a result, insurers should be aware that the Department may need to request more information in electronic form. The Department expects independent auditors will take a similar position which may constitute good cause for filing extensions. The Department acknowledges that company response times may be slower as more company employees work from home.
 
Idaho — Questions and Answers: The Department has received significant questions and concerns about whether business property insurance policies that cover business interruption losses apply to businesses that have been closed as a result of the COVID-19 emergency.

This Bulletin provides a general overview of this type of coverage and the types of policy provisions that consumers have the most questions about. This Bulletin also provides guidance to property and casualty agents and carriers about the Department’s expectations about how business interruption claims should be handled.

This Bulletin is not an exhaustive discussion of issues related to business interruption coverage. Additionally, the Department may issue additional bulletins on this topic as issues arise. Furthermore, the Department has posted an FAQ on this subject on its website.

The Department encourages policyholders to review their policies and to contact their agent or carrier to discuss their coverages. If afterwards a policyholder still has questions or concerns, please contact the Department’s Consumer Affairs team at (208) 334-4319 or (800) 721-3272 or at doi.idaho.gov/consumer.

Business Interruption Coverage

The Department recognizes that all business interruption policies are not identical, and the coverage provided by a given policy depends on the specific wording of the contract. However, the following principles generally apply.

Business interruption insurance is typically an optional coverage that can be purchased to protect businesses against income losses incurred when the business is fully or partially shut down as a result of sustaining a covered loss. The policies typically pay when the following four elements are met:

The policyholder has sustained physical damage to insured property;
The damage is caused by a covered peril;
The damage results in quantifiable business losses; and
The losses take place during the time it takes to restore the property.

Virus or Communicable Disease Exclusions

Some policies may expressly exclude payment for damage caused by viruses or communicable diseases. They may either contain clauses stating that viruses and communicable diseases are not a form of physical damage, or that viruses and communicable diseases are not a covered peril and therefore may not be covered. Any given policyholder’s loss may warrant review to determine applicability of specific exclusion language.

Civil Authority Clauses

In some cases, business interruption coverage contains a “civil authority” clause. Like other business interruption coverage, this clause may require physical damage to property caused by a covered peril, but not necessarily the insured’s property or at the insured location. Dependent on the specifics of a given policyholder’s situation and policy language, there may be coverage for closure of the business because of an action by a governmental entity (a “civil authority”) because of health and safety concerns, so long as the covered physical loss or damage has occurred.

Instructions to Carriers Regarding the Reporting of Negative Claims

Because of the magnitude and unprecedented nature of COVID-19 related losses, policyholders should not be penalized for attempting to determine the boundaries of their coverage. The Department instructs insurance carriers that they shall not report as negative claims activity or report as a claim denial when an insured or policyholder contacts the company or its agent or broker to ask about business interruption coverage for COVID-19 under its policy.

Due Diligence and Good Faith in the Evaluation of Claims

The Department strongly encourages carriers to consider all the foregoing factors, at a minimum, when determining whether coverage exists in any given situation. Each situation must be considered on a case-by-case basis. The Department reminds carriers of their responsibility to act in good faith when dealing with their insureds.

Idaho — Extension of Transitional Plans Until Further Notice:
This Bulletin to carriers in the employer and individual health insurance markets provides guidance regarding the extension of non-grandfathered transitional plans (also known as “grandmothered” plans).
 
Bulletin No. 13-05 addressed carriers continuing to offer grandmothered individual and small employer policies in existence on October 1, 2013 at their 2014 renewal. Subsequent federal guidance allowed for further extensions of these plans, which the Department chose to allow. The latest CMS guidance, released January 31, 2020, allows states the option of extending the grandmothered plans through December 31, 2021.
 
CMS has extended these plans on an annual basis since 2013. Recognizing the likelihood of future extensions from CMS, the Department, through this Bulletin No. 20-01, provides for grandmothered plans in the Idaho individual and small group markets to be extended until and unless such extensions are no longer permitted by CMS or the Department rescinds or replaces this bulletin. If CMS fails to authorize any further extensions, the Department will notify carriers that the grandmothered plans can no longer be renewed, and will include applicable dates, noticing requirements and any other relevant information.  
 
The grandmothered plans must continue to comply with the following ACA provisions:
 
Elimination of annual dollar limits on EHB as defined by the Idaho benchmark plan, to the extent the grandmothered plans cover EHB
No pre-existing condition exclusion (small groups)
Waiting periods not to exceed 90 days (small groups)
Mental health parity rules (individual plans)
 
Carriers must continue to abide by the requirements of Bulletin No. 16-03, ensuring all grandmothered plans remain on a calendar year renewal schedule, Bulletin No. 18-02, regarding the treatment of autism spectrum disorder, and other guidance as applicable.
 
Carriers are required to provide a notice at renewal which informs the individual or small employer of the option to renew the existing coverage or to enroll in a new plan on or off Your Health Idaho, and also includes the information that some ACA market reforms are not included in their current plans. The notices, available on the Department website for both individual and small group grandmothered plans, must be used without modification, and must be mailed without any other materials except for a cover letter, which may include the renewal premium.
 
If you have questions concerning this bulletin, please contact Kathy McGill or Wes Trexler at the Department of Insurance.

Oregon — Colorado and Nevada Join Western States Pact: Colorado Governor Jared Polis and Nevada Governor Steve Sisolak today announced their respective states are joining California, Oregon and Washington in the Western States Pact––a working group of Western state governors with a shared vision for modifying stay at home and fighting COVID-19.

“As Western states, we are all in this together,” said Governor Kate Brown. “Each of our states took quick and decisive action, based on science and data, to stop the spread of COVID-19. In the same way that we share expertise and help one another during wildfire season, we will work together as we recover from the impacts of this pandemic––with a shared vision, a common purpose, and individual paths forward tailored to the needs of our states––to reopen our communities and economies, and prepare our constituents for a safe return to public life.”

“Coloradans are working together to slow the spread of COVID-19 and have important information to share with and to gain from other states," said Governor Polis. "I’m thrilled Colorado is joining the Western States Pact. There’s no silver bullet that will solve this pandemic until there is a cure so we must have a multifaceted and bold approach in order to slow the spread of the virus, to keep our people safe and help our economy rebound.”

“I’m honored to have the State of Nevada join the Western States Pact and believe the sharing of critical information and best practices on how to mitigate the spread, protect the health and safety of our residents, and reopen responsibly will be invaluable as we chart our paths forward," said Governor Sisolak. "Millions of visitors from our fellow Western states travel to Nevada every year as a premier tourism destination, and this partnership will be vital to our immediate recovery and long term economic comeback.”

California Governor Gavin Newsom, Oregon Governor Kate Brown and Washington Governor Jay Inslee recently announced they would be working together under a shared vision for gradually modifying their state’s stay at home orders and fighting COVID-19. They listed three shared principles as foundational to the agreement:

• Our residents’ health comes first. As home to nearly one in five Americans and gateway to the rest of the world, the West Coast has an outsized stake in controlling and ultimately defeating COVID-19.

• Health outcomes and science – not politics – will guide these decisions. Modifications to our states’ stay at home orders must be made based off our understanding of the total health impacts of COVID-19, including: the direct impact of the disease on our communities; the health impact of measures introduced to control the spread in communities—particularly felt by those already experiencing social disadvantage prior to COVID-19; and our health care systems’ ability to ensure care for those who may become sick with COVID-19 and other conditions. This effort will be guided by data. We need to see a decline in the rate of spread of the virus before large-scale reopening, and we will be working in coordination to identify the best metrics to guide this.

• Our states will only be effective by working together. Each state will work with its local leaders and communities within its borders to understand what’s happening on the ground and adhere to our agreed upon approach.

As part of the Western States Pact, the Governors commit to working together toward the following four goals:

• Protecting vulnerable populations at risk for severe disease if infected. This includes a concerted effort to prevent and fight outbreaks in nursing homes and other long-term care facilities.

• Ensuring an ability to care for those who may become sick with COVID-19 and other conditions. This will require adequate hospital surge capacity and supplies of personal protective equipment.

• Mitigating the non-direct COVID-19 health impacts, particularly on disadvantaged communities.

• Protecting the general public by ensuring any successful lifting of interventions includes the development of a system for testing, tracking and isolating. The states will work together to share best practices.

https://www.oregon.gov/newsroom/Pages/NewsDetail.aspx?newsid=36507

Oregon — State extends emergency order for insurance deadlines:The Oregon Department of Consumer and Business Services has extended its emergency order on insurance deadlines until at least May 23.
 
Insurance companies must continue to do the following until the order is no longer in effect:
Institute a grace period for premium payments on all insurance policies issued in the state
Suspend all cancellations and nonrenewals for active insurance policies
Extend all deadlines for consumers to report claims and communicate about claims
Provide consumers the ability to make premium payments and report claims while maintaining safe social distancing standards
The order is effective through at least May 23. If necessary, the department may extend the duration of this temporary order.
 
For more information:
Read the extension of the emergency order
Read the emergency order FAQs
View the COVID-19 regulated businesses page

Oregon — The Oregon Division of Financial Regulation has published the following: Bulletin No. DFR 2020-12: Implementation of 60-day advance notice of specified prescription drug price increases as required by 2019 House Bill 2658

Purpose

This Bulletin provides guidance on the form and manner of reports due from pharmaceutical manufacturers at least 60 days in advance of specified increases in the price of prescription drugs, and clarifies the Department of Consumer and Business Services, Division of Financial Regulation's approach to implementing the reporting program under HB 2658.
 
To read this and other bulletins and get more information, please visit the Division of Financial Regulation's Bulletins page at:

https://dfr.oregon.gov/laws-rules/Documents/Bulletins/bulletin2020-12.pdf

Oregon — Bulletin No. DFR 2020-11: The Division of Financial Regulation has received questions from insurers about how to address the changes in exposure due to the COVID-19 emergency orders. Some of these questions have included adding coverage for people using their vehicles differently and temporary rate reductions from decreased claim exposure. This document provides guidance for insurers on how to inform the division about proposed changes and required communications with policyholders.


Tags:  Around the PIA Western Alliance States  Idaho Department of Insurance  insurance news  Oregon Department of Insurance  Oregon Governor Kate Brown  PIA Western Alliance 

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Around the PIA Western Alliance States

Posted By Administration, Tuesday, April 21, 2020
Alaska — Order R20-07: Order Amending Regulatory Order R20-04
 

All insurers licensed in the state of Alaska or issuing insurance in the State of Alaska, insurance industry representatives and other interested parties are encouraged to review the latest information about COVID-19 released by the Alaska Department of Health and Social Services at: http://dhss.alaska.gov/dph/Epi/id/Pages/COVID-19/default.aspx.
 
BACKGROUND
On March 11, 2020, Governor Mike Dunleavy issued a public health disaster emergency order. This order was made to protect Alaskans from the adverse effects of COVID-19. Due to the Governor's declaration and pursuant to AS 21.06.080(d), the director finds that emergency measures are needed to ensure Alaskans maintain their insurance coverage while allowing insurers increased flexibility.
 
THE DIRECTOR HEREBY ORDERS:
Provision 1 in Regulatory Order R20-04 prohibiting carriers from terminating insurance contracts due to non-payment expires June 1, 2020.
 
This order is effective April 16, 2020.
 
Order R20-07: https://www.commerce.alaska.gov/web/Portals/11/Pub/INS_R20-07.pdf
 
Idaho — Short Term Health Plans: The Idaho Department of Insurance has announced that short-term health insurance plans have joined ACA plans in waiving co-sharing for COVID-19 testing and, in some cases, treatment.
 
With the high potential cost of hospital bills for COVID-19, the Department of Insurance is making sure Idahoans are aware of all their options, including special enrollment periods as well as short-term health insurance. Under the law, Idahoans are eligible for a special enrollment period if they have a qualifying event, such as a coverage loss, loss of income or a change in family demographics.  For uninsured Idahoans who do not have a qualifying event, short-term plans can provide coverage until the next open enrollment period.
 
“The DOI has been working with and urging all of our insurance carriers to help Idahoans during this stressful time by waiving deductibles and coinsurance for COVID-19 related claims,” said Director Dean Cameron. “Idaho’s ACA plan carriers responded and voluntarily waived those costs associated with COVID-19.  Now, short-term plan carriers are also stepping up. I am glad to see these insurance companies looking out for their policyholders—their efforts, leadership, and compassion are appreciated.”
 
Carriers offering ACA plans and waiving co-sharing for COVID-19 testing, physician visits and treatment are Blue Cross, Regence, SelectHealth, Mountain Health Co-op and PacificSource. These plans can be purchased through Your Health Idaho under a special enrollment or the carrier’s website.
 
While ACA plans don't exclude preexisting conditions, short-term health plans may exclude coverage for COVID-19 if purchased after diagnosis and there was no prior health coverage. The available short-term insurance carriers all provide coverage for COVID-19 testing, physician visits, and/or treatment, and they are waiving co-sharing as follows:
 
Blue Cross of Idaho Health Services: Co-sharing for testing, associated physician visits, and treatment are waived.
Companion Life Insurance Company: Co-sharing for testing is waived.
Everest Reinsurance Company: Co-sharing is not waived for any services.
Lifemap Assurance Company: Co-sharing for testing and associated physician visits are waived. Other costs including treatment are subject to normal co-sharing per plan.
Independence American Insurance Company: Co-sharing for testing and associated physician visits are waived.
SelectHealth Benefit Assurance Companies: Co-sharing for testing and the related physician visit are waived. Co-sharing for treatment is waived if with in-network providers or in an emergency room.
Standard Life and Accident Company: Co-sharing for testing and associated physician visits are waived.
 
The DOI continues to consider and review opportunities for assistance to Idahoans during this time.  Consumers who have questions or concerns should reach out to the DOI at consumeraffairs@doi.idaho.gov.

Idaho — DOI offers continuing education webinars for agents: The Idaho Department of Insurance is offering continuing education (CE) webinars for licensed producers this April.
 
Director Dean Cameron invites you to participate in a one-hour live seminar regarding COVID-19 Ethics and Best Practices.  This presentation will require registration through Zoom and participation will result in 1 ethics credit for Idaho licensees.
 
Please register for the appropriate webinar opportunity:
 
“COVID-19 Ethics and Best Practices for Life and Health Agents” (Course #3194148)
Date:  Wednesday, April 22, 2020 01:00 PM Mountain Time (US and Canada)
Register in advance for this webinar:
https://zoom.us/webinar/register/WN_BnfVu2YUSCiDfyKhJPz8Sg
 
“COVID-19 Ethics and Best Practices for Property Casualty Agents” (Course #3194159)
Date:  Wednesday, April 29, 2020 01:00 PM Mountain Time (US and Canada)
Register in advance for this webinar:
https://zoom.us/webinar/register/WN_8jWuS9cnQumffAC1li3CbQ

Washington — Kreidler on Business Interruption: Insurance Commissioner Mike Kreidler polled Washington state insurers to get a thorough picture of business interruption insurance. He found that only two insurers offer coverage for a pandemic event through their base policy. An additional 15 offered limited coverage through endorsements to standard policies.

“There’s no doubt that our business owners and their employees are suffering during this pandemic,” Kreidler said. “I have heard from countless business owners asking if their policies cover economic loss due to the coronavirus pandemic and the state’s Stay Home, Stay Healthy order. Unfortunately, the answer I got from insurers in Washington state is that the vast majority specifically exclude coverage for economic loss due to a viral pandemic.”

Business interruption coverage is offered alongside a commercial property insurance policy. In order to trigger the coverage, most policies require the property to have incurred physical damage from a covered peril that necessitates the business to suspend operations. The vast majority of those policies specifically exclude a virus or pandemic as a covered peril.

Kreidler’s office reviewed 226 sample notices to policyholders from 84 individual insurance companies and insurance groups doing business in Washington. The insurers reported over 194,000 commercial policies had at least one type of business interruption or civil authority coverage in effect as of March 15, with an estimated premium totaling $437 million.

The American Property Casualty Insurance Association estimates that closure losses just for businesses with 100 or fewer employees are running $255 billion to $431 billion a month. For small businesses, it estimates losses are approximately 43 to 72 times their monthly commercial property insurance premiums  

Two insurers from FM Global Insurance Group offer coverage for a pandemic event through their base policy, focused on large companies with complex supply chains.

The companies that offer limited endorsements at an extra cost are:

    AIG.
    Brotherhood Mutual Insurance Co.
    Chubb.
    Church Mutual Insurance Co.
    EMC Insurance.
    Great American Insurance Group.
    Hartford Fire & Casualty Group.
    Liberty Mutual Insurance Group.
    MS & AD Ins Group.
    Mutual of Enumclaw.
    Nationwide.
    The North River Insurance Co.
    Philadelphia Indemnity.
    Travelers.
    Zurich Insurance Group.

Source link: Washington Department of Insurance — https://www.insurance.wa.gov/news/kreidler-finds-most-business-insurance-policies-state-exclude-pandemic-virus-coverage?utm_content=&utm_medium=email&utm_name=&utm_source=govdelivery&utm_term=

Tags:  Around the PIA Western Alliance States  Idaho Department of Insurance  Oregon Department of Insurance  Washington Department of Insurance 

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Around the PIA Western Alliance States

Posted By Administration, Tuesday, April 14, 2020

California — Auto Coverage Extended to Delivery Drivers: With restaurants and businesses expanding deliveries to comply with “shelter in place” rules, Insurance Commissioner Ricardo Lara today urged insurance companies to extend auto insurance coverage for drivers who are using their personal vehicles to fulfill deliveries for California’s essential businesses during the COVID-19 pandemic.
 
Because personal automobile policies do not typically provide coverage for vehicles used for commercial purposes and some drivers may not be covered under their employer’s commercial automobile policy issued to a California essential business, temporary delivery drivers may be inadvertently uninsured as they carry out their job duties. Today’s action ensures that businesses can continue to provide essential goods to residents and families at their homes and that delivery workers are protected at all times so that they may continue their work critical to public health and safety.
 
“This is an unprecedented time so we must take unprecedented action to help Californians comply with public health ‘shelter in place’ orders,” said Insurance Commissioner Ricardo Lara. “Delivery drivers are performing essential services to help our seniors and families, and this action will protect them while on the roads.”
 
Under today’s Notice, insurance companies should not deny a claim under a personal auto policy solely because the driver was providing delivery service on behalf of a California essential business impacted by the COVID-19 pandemic. The Notice applies to 16 categories of “essential critical infrastructure workers” identified by the U.S. Department of Homeland Security on March 19, including those who deliver food, medication, and other essential goods.
 
The Department is also requesting insurance companies to extend delivery coverage for motorcycle and bicycle riders, and allow essential businesses to retroactively add drivers to their commercial automobile policies beginning on March 19, 2020.
 
“We appreciate Commissioner Lara’s attempt to help our industry in these historically challenging times," said Matt Sutton, Senior Vice President for Government Affairs and Public Policy at the California Restaurant Association. "Any and all help is welcome.”

Idaho — COVID-19: Idahoans are experiencing unprecedented challenges due to the COVID-19 pandemic and health insurance issues should be the least of them. The Idaho Department of Insurance has been working with carriers to find ways to help Idahoans.  All carriers agreed to waive consumer costs for testing and physician visits.  This week, two major carriers announced they also will waive consumer costs for treatment of COVID-19 as well.
 
The Department of Insurance has released four bulletins granting unprecedented regulatory flexibility in certain areas for health insurance companies and producers to help Idahoans retain and use their coverage. The DOI is considering and continuing to work on other efforts in this complex and fluid situation.
 
“The Department of Insurance is doing all it can to protect Idahoans and support the Governor’s efforts during this unprecedented time in history,” said Director Dean Cameron.  “The Department is granting flexibility to carriers so they can help Idahoans during this difficult time.  The dedicated employees of the DOI are available remotely to assist with questions or concerns.  Please visit us at doi.idaho.gov or email us at consumeraffairs@doi.idaho.gov.”
 
The four bulletins are as follows and with links to the full documents:
 
Waiver of certain requirements to address COVID-19:  This bulletin applies to health insurance carriers offering individual or employer sponsored group major medical health and dental insurance policies, allowing flexibility regarding premium deferral, premium holidays, continuation of coverage, grace periods, and waiver of eligibility requirements. The goal is to provide carriers and employers with the tools to retain coverage even while temporarily closed or operating in reduced hours.
 
LINK: Bulletin 20-01 — https://doi.idaho.gov/DisplayPDF?ID=7750
 
Temporary waiver of certain pharmacy benefit policy requirements:  This bulletin allows flexibility of prescription provisions for all fully insured plans, including the allowance of early refills, 90-day supply, and avoidance of in-person signature logs and subsequent audits of pharmacies.
 
LINK: Bulletin 20-02 — https://doi.idaho.gov/DisplayPDF?ID=7751
 
Temporary waiver of certain policy and enforcement requirements:  This bulletin applies to health insurance carriers offering telehealth benefits through individual or employer sponsored group major medical health insurance policies. Flexibility is granted to expand telehealth access to all in-network providers and expand how telehealth services can be received.
 
LINK: Bulletin 20-03 — https://doi.idaho.gov/DisplayPDF?ID=7752
 
Provisional producer licenses:  This bulletin allows new producers and applicants for producer licenses the procedure for obtaining a provisional producer license during the COVID-19 emergency.  A provisional resident producer license is valid for up to six months and does not renew automatically at the end of the license period.
 
LINK: Bulletin 20-04 — https://doi.idaho.gov/DisplayPDF?ID=7753
 
These bulletins will remain in effect so long as the Governor’s emergency proclamation remains in effect. Other flexibility and provisions are currently being considered and will be made available when appropriate.

Idaho — Health Carrier Relief: Idaho health carriers have been collaborating with the Idaho Department of Insurance (DOI) to provide relief for Idahoans during the COVID-19 pandemic.
 
Every family and business has been impacted by COVID-19 in the country, including the insurance industry.  As Idahoans face strenuous circumstances and an unclear future, the insurance community is stepping up to provide relief to its policyholders.  All five major health insurance carriers in Idaho are waiving cost-sharing for both testing and treatment.  The Idaho carriers waiving cost-sharing are:  Blue Cross of Idaho, Regence, SelectHealth, Pacific Source, and Mountain Health Co-Op.
 
“The DOI has been collaborating with our carriers in Idaho through these uncertain times,” said Director Dean Cameron. “Providing assistance to Idahoans in this difficult time is our top priority and I am grateful to these carriers for their leadership and compassion.”
 
The decision to offer Idahoans relief was a voluntary effort from all five insurance carriers in Idaho.  In addition to waiving cost-sharing for testing and treatment, Idaho’s carriers have also improved telehealth options, assisted Your Health Idaho with expedited enrollment procedures, and are assisting physicians and hospitals financially.
 
The Department is also working with carriers that offer short-term health insurance and inviting them to waive cost-sharing for testing and treatment. Two Idaho insurers, Blue Cross of Idaho and SelectHealth, voluntarily are doing so.  Others are waiving cost-sharing for testing and reviewing the DOI’s requests. The DOI will post a full list of carriers and their assistance on the DOI’s website.
 
The DOI continues to consider and review opportunities for assistance to Idahoans during this time.  Consumers who have questions or concerns should reach out to the DOI at consumeraffairs@doi.idaho.gov.  In addition, the DOI has COVID-19 online resources and steps to protect public health.  Visit the DOI’s Coronavirus Resource Page — https://doi.idaho.gov/consumer/Health/COVID.

Montana — Congressman Greg Gianforte Townhall: Join the PIA's Town Hall with Congressman Greg Gianforte Thursday April 16th at 9:15 Montana time.
 
Congressman Gianforte and our participants will be discussing the latest updates to Coronavirus legislation and answer your questions.
 
Open to all PIA Members and non members of the independent agency system and carrier representatives.

REGISTER TO ATTEND AND SUBMIT YOUR QUESTIONS HERE —  https://www.piawest.com/page/CongressmanGregGianforteTownHall?_zs=u70Te1&_zl=Hfgf6

Call information will be emailed after submittal.

Learn more about Congressman Gianforte: https://gianforte.house.gov/about-greg

Oregon — Workers’ Compensation Insurance Bulletins: The Oregon Division of Financial Regulation has published the following:

Bulletin No. DFR 2020-9: Rerating businesses that have changed operations in response to the COVID-19 pandemic and suspension of field audits

Purpose

This bulletin provides guidance to employers and workers compensation insurers regarding changes in operations due to public health measures in response to the COVID-19 pandemic. It addresses when a change in classification code is appropriate for employees reassigned to work from home, when insurers should rerate a business, and the suspension of field audits.
Bulletin No. DFR 2020-10: Payments to employees of businesses closed due to pandemics to be excluded from workers’ compensation premium basis

Purpose

This bulletin provides guidance to workers compensation insurers and employers paying employees furloughed due to pandemic-related closures.

To read these and other bulletins and get more information, please visit the Division of Financial Regulation's Bulletins page at:

https://dfr.oregon.gov/laws-rules/Documents/Bulletins/bulletin2020-09.pdf
https://dfr.oregon.gov/laws-rules/Documents/Bulletins/bulletin2020-10.pdf


Tags:  Around the PIA Western Alliance States  California  California Department of Insurance  Congressman Greg Gianforte  Idaho  Idaho Department of Insurance  Oregon  Oregon Department of Insurance  PIA of Montana  PIA Western Alliance 

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