Group, Family Group, Blanket and Association Health and Accident Insurance (La. R.S. 22:978, 1000, 1003, 1003.1, 1024, 1025, 1045, 1046, 1061-1071): Louisiana Insurance Code

What this document is

Louisiana Insurance Code - Group, Family Group, Blanket and Association Health and Accident Insurance (La. R.S. 22:978, 1000, 1003, 1003.1, 1024, 1025, 1045, 1046, 1061-1071) is a state statute published by Louisiana State Legislature (legis.la.gov). It is one of the Louisiana documents that insurance license exam questions are written from, including louisiana life & health practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• La. R.S. tit. 22 § 1000(A)(1)(a)(iv) (Group Health and Accident Insurance; Association Eligibility)

  “No such policy, issued and considered as group health insurance, as defined under R.S. 22:1061(2)(c), may be issued to an association, trust for an association, or multiple associations unless it or each participating association has been actively in existence for at least five years, has been...”

• La. R.S. tit. 22 § 1000(A)(4) (Blanket Health and Accident Insurance; Applications and Certificates)

  “An individual application shall not be required from a person covered under such a blanket policy. The insurer shall furnish to the policyholder for delivery to the insured a certificate of insurance that shall disclose the benefits, limitations, exclusions, and reductions contained in the policy...”

• La. R.S. tit. 22 § 978(C) (Group, Family Group, Blanket, and Association Health and Accident Insurance; Notice Required)

  “The notice provisions of this Section shall not apply to cancellations due to nonpayment of premiums.”

• La. R.S. tit. 22 § 1046(D) (Group Health Insurance Continuation; Persons Not Eligible)

  “Continuation shall not be available for any person: (1) who, within thirty-one days of termination, is or could be covered by any other arrangement of hospital, surgical, or medical coverage for individuals in a group; or (2) whose insurance terminated because of fraud; or (3) whose insurance...”

• La. R.S. tit. 22 § 1045(A)(6) (Group, Blanket, and Association Health and Accident Insurance; Continuation of Coverage)

  “If the continuation option is exercised, coverage of the surviving spouse under the group plan shall continue without interruption and may not be terminated, unless one of the following occurs: (a) The insured fails to make timely payment of the required premium amount. (b) The insured becomes...”

• La. R.S. tit. 22 § 1003.1(A)(3) (Children; portability; enrollment; prohibited conditions on the offer of coverage)

  “(3) The health insurance issuer or health maintenance organization shall not limit or otherwise restrict the offer of coverage to a child or grandchild until the age of twenty-six by requiring any of the following: (a) That the child or grandchild had to have been previously covered as a dependent....”

• La. R.S. tit. 22 § 1045(A)(5) (Group, blanket, and association health and accident insurance; continuation of coverage; surviving spouse notification)

  “(5) The surviving spouse shall have ninety days after the date of death to notify the insurer that the continuation option will be exercised. Coverage under the group insurance plan shall not be terminated during the ninety day notification period. No probationary or waiting period shall be required.”

• La. R.S. tit. 22 § 1046(C) (Group health insurance continuation; prior coverage requirement)

  “C. Continuation shall be available under this Section only if the employee or member has been continuously insured under the group policy, or for similar benefits under any other group policy that it replaced, during the period of three consecutive months immediately prior to the date of termination.”

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• La. R.S. Title 22, insurance contract and standard policy provisions: 22:861, 862, 863, 865, 866, 867, 884, 931, 942, 951 and 977State statute
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• Louisiana Insurance Code - Life Insurance Policies and Annuity Contracts (La. R.S. 22:901-919, 22:931-936, 22:951-961)State statute
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