(1) FINDINGS. The tests listed in sub. (4)
(e) have been specified by the state epidemiologist in part B (4) of a report
entitled "Validated positive, medically significant and sufficiently reliable
tests to detect the presence of human immunodeficiency virus (HIV), antigen or
nonantigenic products of HIV or an antibody to HIV," dated January 24, 1997.
The commissioner of insurance, therefore, finds that these tests are
sufficiently reliable for use in underwriting individual life, accident and
health insurance policies.
PURPOSES. The purposes of this section
(a) To implement s.
(b) To establish procedures for insurers to
use in obtaining informed consent for HIV testing and informing individuals of
the results of a positive HIV test.
(c) To ensure the confidentiality of HIV test
(d) To restrict the use of
certain information on HIV testing in underwriting group life, accident and
health insurance policies.
DEFINITIONS. In this section:
(a) "AIDS" means acquired immunodeficiency
(b) "AIDS service
organization" means a state designated organization in this state that provides
AIDS prevention and education services to the general public and offers direct
care and support services to persons with HIV and AIDS at no cost.
(c) "Health care provider" has the meaning
given under s.
(d) "HIV" has the meaning
given under s.
(e) "Medical information
bureau, inc." means the nonprofit Delaware incorporated trade association, the
members of which are life insurance companies, that operates an information
exchange on behalf of its members.
(f) "State epidemiologist" has the meaning
given under s.
(g) "Wisconsin AIDSline"
means the state designated statewide AIDS information and medical referral
(a) For use in
underwriting an individual life, accident or health insurance policy, an
insurer may require that the person to be insured be tested, at the insurer's
expense, for the presence of HIV, antigen or nonantigenic products of HIV or an
antibody to HIV.
that requires a test under par. (a) shall, prior to testing, obtain a signed
consent form, in substantially the format specified in Appendix A, either from
the person to be tested or from one of the following if the specified condition
1. The person's parent or guardian,
if the person is under 14 years of age.
2. The person's guardian, if the person is
adjudged incompetent under ch. 54, Stats.
3. The person's health care agent, as defined
Stats., if the person has been found to be incapacitated under s.
(c) The insurer
shall provide a copy of the consent form to the person who signed it and shall
maintain a copy of each consent form for at least one year.
The insurer shall provide with the
consent form a copy of the document, "Resources for persons with a positive HIV
test/The implications of testing positive for HIV." Each insurer shall either
obtain copies of the document from the office of the commissioner of insurance
or reproduce the document itself. If the document is revised, the insurer shall
begin using the revised version no later than 30 days after receiving notice of
the revision from the office of the commissioner of insurance.
Note: The document referred to in this paragraph
is form number OCI 17-001. It may be obtained from the Office of the
Commissioner of Insurance, P.O. Box 7873, Madison, Wisconsin 53707-7873.
Tests may be used under par.
(a) only if the tests meet the following criteria:
1. A single specimen which is repeatedly
reactive using any food and drug administration "FDA" licensed enzyme
immunoassay "EIA" HIV antibody test and confirmed positive using an FDA
licensed HIV antibody confirmatory test.
2. A single specimen which is repeatedly
reactive using any FDA licensed HIV antigen test and an FDA licensed EIA HIV
antibody test. A specimen which is repeatedly reactive to an FDA licensed HIV
antigen test shall be confirmed through a neutralization assay. A specimen
which is repeatedly reactive to an FDA licensed EIA HIV antibody test shall be
tested with an FDA licensed HIV antibody confirmatory test.
3. A single specimen which is tested for the
presence of HIV using a molecular amplification method for the detection of HIV
nucleic acids consistent with national committee for clinical laboratory
4. A single specimen
which is tested for the presence of HIV using viral culture methods.
(f) A test under par. (e) shall be
performed by a laboratory which meets the requirements of the federal health
care financing administration under the clinical laboratory improvement
amendments act of 1988.
1. An insurer that uses an application asking
whether the person to be insured has been tested for the presence of HIV,
antigen or nonantigenic products of HIV or an antibody to HIV may ask only
whether the person has been tested using one or more of the tests specified in
2. Notwithstanding subd.
1., the insurer may not require or request the disclosure of any information as
to whether the person to be insured has been tested at an anonymous counseling
and testing site designated by the state epidemiologist or at a similar
facility in another jurisdiction or through the use of an anonymous home test
kit, or to reveal the results of such a test.
POSITIVE TEST RESULT; INSURER'S
(a) If a test under sub. (4) (e)
is positive and, in the normal course of underwriting, affects the issuance or
terms of the policy, the insurer shall provide written notice to the person who
signed the consent form that the person tested does not meet the insurer's
usual underwriting criteria because of a test result. The insurer shall request
that the person provide informed consent for disclosure of the test result to a
health care provider with whom the person wants to discuss the test
If informed consent for
disclosure is obtained, the insurer shall provide the designated health care
provider with the test result. If the person refuses to give informed consent
for disclosure, the insurer shall, upon the person's request, provide the
person who signed the consent form with the test result. The insurer shall
include with the report of the test result all of the following:
1. A statement that the person should contact
a private health care provider, a public health clinic, an AIDS service
organization or the Wisconsin AIDSline for additional medical evaluation or
referral for such services.
toll-free telephone number of the Wisconsin AIDSline.
3. A copy of the document specified in sub.
(6)CONFIDENTIALITY OF TEST RESULTS. An
insurer that requires a person to be tested under sub. (4) (a) may disclose the
test result only as described in the consent form obtained under sub. (4) (b)
or with written consent for disclosure signed by the person tested or a person
specified in sub. (4) (b) 1. to 3.
GROUP POLICIES; ADDITIONAL PROHIBITION. In
underwriting group life, accident or health insurance on an individual basis,
in addition to the restrictions specified in s.
Stats., an insurer may not use or obtain from any source, including the medical
information bureau, inc., any of the following:
(a) The results of a person's test for the
presence of HIV, antigen or nonantigenic products of HIV or an antibody to
(b) Any other information on
whether the person has been tested for the presence of HIV, antigen or
nonantigenic products of HIV or an antibody to HIV.
Wis. Admin. Code Office of the Commissioner of Insurance § Ins 3.53
Cr. Register, May, 1987,
No. 377, eff. 6-1-87; r. and recr. Register, April, 1991, No. 424, eff. 5-1-91;
am. (1), (3) (b) and (5) (b) 1., r. (3) (c), (d) and (4) (f), renum. (3) (e) to
(i) and (4) (g) and (h) to be (3) (c) to (g) and (4) (f) and (g) and am. (3)
(f) and (g), (4) (f) and (g), r. and recr. (4) (e), Register, May, 1998, No.
509, eff. 6-1-98; correction in (4) (b) 2. made under s.
(b) 7, Stats., Register October 2008 No.