Authority: IC 27-8-28-20; IC 27-13-10-13; IC 27-13-35-1

Affected: IC 27-8-28; IC 27-13-7-5; IC 27-13-9-4; IC 27-13-10; IC 27-13-39

Sec. 7. (a) An insurer and a health maintenance organization shall provide the following to each enrollee:

1. (1) Information about health care services covered by the insurer or health maintenance organization, including the following:

   1. (A) A description of covered services, including any services subject to a network restriction.
   2. (B) A description of any limitations on payment for or coverage of health care services, including definitions of commonly used terms.
   3. (C) Criteria used to determine whether to deny coverage.
   4. (D) A description of exclusions from coverage.

   5. (E) An explanation of any limitation on coverage for experimental treatments, procedures, drugs, or devices, including the following:

      1. (i) A description of the process used to determine any limitation.
      2. (ii) A description of the criteria the insurer or the health maintenance organization uses to determine whether a treatment, procedure, drug, or device is experimental.
2. (2) Information about where additional information on access to services can be obtained.
3. (3) Information about the insurer's or the health maintenance organization's grievance procedures, including the toll free telephone number described in section 8 of this rule.
4. (4) Information about the insurer's or the health maintenance organization's structure.
5. (5) Information about costs for which the enrollee is responsible.
6. (6) Information about financial incentives and disincentives given by the insurer or the health maintenance organization to providers.

(b) Except as provided in subsection (f), the information required by subsection (a) must be:

1. (1) included in or provided with the evidence of coverage required under IC 27-13-7-5 or any member handbook within the time periods set forth in subsection (f); and
2. (2) provided to any potential enrollee upon request.

(c) The information required by subsection (a)(3) shall be included on any notice to enrollees regarding the provision, limitation, or denial of health care services.

(d) The toll free telephone number shall be prominently displayed on any enrollment verification card.

(e) This subsection is applicable to health maintenance organizations only. A brief statement of an enrollee's right to file a grievance with the health maintenance organization, including the toll free telephone number, shall be posted by a participating provider in a conspicuous public location in each place where health care services are provided by or on behalf of the health maintenance organization. The notice shall be in bold face type at least one-half (1/2) inch in height. The statement must contain the following or substantially similar language: "We participate in the following health maintenance organizations: [list names of and toll free telephone numbers of participating HMOs]. If you have coverage through one (1) of these HMOs and have a complaint or grievance, you may call the HMO at its toll free number listed above. The HMO is required by law to try to resolve your complaint or grievance. You may also register a complaint with the Indiana Department of Insurance at 1-800-622-4461. The HMO cannot retaliate against you or your provider for making a complaint.".

(f) The information required by subsection (a) must be provided to enrollees not later than one hundred twenty (120) days after the effective date of this rule. During the period beginning one hundred twenty (120) days after the effective date of this rule and ending on the first renewal date of the enrollee's plan that occurs on or after the effective date of this rule, the information required by subsection (a) may be provided to enrollees in an addendum to or statement separate from the documents described in subsections (b) and (d).

(Department of Insurance; 760 IAC 1-59-7; filed Sep 30, 1998, 2:17 p.m.: 22 IR 448, eff Jan 1, 1999; filed Feb 17, 2003, 9:57 a.m.: 26 IR 2329; readopted filed Nov 24, 2009, 9:35 a.m.: 20091223-IR-760090791RFA; readopted filed Nov 20, 2015, 9:25 a.m.: 20151216-IR-760150341RFA; readopted filed Nov 15, 2021, 8:32 a.m.: 20211215-IR-760210419RFA; readopted filed Oct 22, 2025, 3:17 p.m.: 20251119-IR-760240637RFA)