Utah Admin. Code R590-277-4 - Prohibited Policy Provisions
(1) A
health benefit plan may not impose any preexisting condition limitation or
exclusion provisions.
(2)
Limitations or exclusions. Unless otherwise required by law, a policy may not
limit or exclude coverage or benefits by type of illness, accident, treatment,
or medical condition, except as follows:
(a)
abortion;
(b) acupuncture and
acupressure services;
(c)
administrative charges for completing insurance forms, duplication services,
interest, finance charges, or other administrative charges;
(d) administrative exams and
services;
(e) applied behavioral
analysis therapy, except as required by Section
31A-22-642;
(f) aviation;
(g) axillary hyperhidrosis;
(h) benefits provided under:
(i) Medicare or other governmental program,
except Medicaid;
(ii) state or
federal worker's compensation; or
(iii) employer's liability or occupational
disease law;
(i) fitness
training, exercise equipment, or membership fees to a spa or health
club;
(j) charges for appointments
scheduled and not kept;
(k)
chiropractic care;
(l)
complementary and alternative medicine;
(m) corrective lenses, and examination for
the prescription or fitting thereof, except lens implant following cataract
surgery and as required by Rule R590-266;
(n) cosmetic surgery; reversal, revision,
repair, complications, or treatment related to a non-covered cosmetic surgery.
This exclusion does not apply to reconstructive surgery when the service is
incidental to or follows surgery resulting from trauma, infection or other
diseases of the involved party; or reconstructive surgery because of congenital
disease or anomaly of a covered dependent child that has resulted in a
functional defect;
(o) custodial
care;
(p) dental care or
treatment;
(q) dietary products,
except as required by Rule R590-194;
(r) educational and nutritional training,
except as required by Rule R590-200;
(s) experimental or investigational
services;
(t) expenses before
coverage begins or after coverage ends;
(u) felony, riot or insurrection, when it has
been determined the covered person was a voluntary participant;
(v) foot care in connection with corns,
calluses, flat feet, fallen arches, weak feet, chronic foot strain or
symptomatic complaints of the feet, including orthotics. The exclusion of
routine foot care does not apply to cutting or removal of corns, calluses, or
nails when provided to a person who has a systemic disease, such as diabetes
with peripheral neuropathy or circulatory insufficiency, of such severity that
unskilled performance of the procedure would be hazardous;
(w) gastric or intestinal bypass services
including lap banding, gastric stapling, and other similar procedures to
facilitate weight loss; the reversal, or revision of such procedures; or
services required for the treatment of complications from such
procedures;
(x) gender
reassignment, except as required by Section 1557 of the Patient Protection and
Affordable Care Act;
(y) gene
therapy;
(z) genetic
testing;
(aa) hearing aids, and
examination for the prescription or fitting thereof;
(bb)
(i)
except as provided in Subsection R590-277-4(2)(cc), a loss directly related to
the insured's voluntary participation in an activity where the insured:
(A) is found guilty of an illegal activity in
a criminal proceeding; or
(B) is
found liable for the activity in a civil proceeding.
(ii) A guilty finding includes a plea of
guilty, a no contest plea, and a plea in abeyance;
(cc)
(i) a
loss directly related to the insured or dependent violating:
(A) Section
41-6a-502;
or
(B) a law that prohibits
operating a motor vehicle, in a state other than Utah, while exceeding the
legal limit of concentration of alcohol, drugs, or a combination of both in the
blood;
(ii) Violations
of Subsection R590-277-4(2)(cc)(i) shall be established:
(A) in a criminal proceeding in which the
insured or dependent is found guilty, enters a no contest plea or a plea in
abeyance, or enters into a diversion agreement; or
(B) a managed care organization's request for
an independent review where the findings support a decision to deny coverage
based on the exclusions of Subsection R590-277-4(2)(cc)(i);
(iii) For purposes of Subsection
R590-277-4(2)(cc):
(A) An independent review
means a process that:
(I) is conducted by an
independent entity designated by the managed care organization;
(II) renders an independent and impartial
decision on a decision to deny coverage based on the exclusion in Subsection
R590-277-4(2)(cc)(i); and
(III) is
paid for by the insurer.
(B) The independent review entity may not
have a material professional, familial, or financial conflict of interest with:
(I) the managed care organization;
(II) an officer, director, or management
employee of the managed care organization;
(III) the enrollee;
(IV) the enrollee's health care provider;
(V) the health care provider's
medical group or independent practice association; or
(VI) a health care facility where services
were provided;
(iv) this exclusion does not apply to an
insured or dependent who is under 18 years of age;
(dd) infertility services;
(ee) mental health and substance use disorder
services, except as required by Section
31A-22-625
and Rule R590-266;
(ff) injury as a
result of a motor vehicle, to the extent the covered person is required by law
to have no-fault coverage, up to the minimum coverage required by law, whether
or not such coverage is in effect;
(gg) nuclear release;
(hh) refractive eye surgery;
(ii) rehabilitation or habilitative therapy
services, such as physical, speech, and occupational, except as required to
correct an impairment caused by a covered accident or illness, or as required
by Rule R590-266;
(jj) respite
care;
(kk) rest cures;
(ll) service in the armed forces or units
auxiliary to it;
(mm) services that
are not medically necessary;
(nn)
services performed by the covered person's parent, spouse, sibling or child,
including a step or in-law relationship;
(oo) services for which no charge is normally
made in the absence of insurance;
(pp) services in connection with a
prearranged surrogacy agreement, except for services for the baby, where the
covered person relinquishes a baby and receives payment or other compensation
arising out of such services;
(qq)
sexual dysfunction procedures, equipment and drugs;
(rr) shipping and handling;
(ss) telephone/electronic
consultations;
(tt) territorial
limitations outside the United States;
(uu) terrorism, including acts of
terrorism;
(vv) transplants, except
as required by Rule R590-266;
(ww)
transportation, except medically necessary ambulance services;
(xx) war or act of war, whether declared or
undeclared; or
(yy) others that in
the opinion of the commissioner are not inequitable, misleading, deceptive,
obscure, unjust, unfair or unfairly discriminatory to the policyholder,
beneficiary , or covered person under the policy.
Notes
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