Sec. 9. (a) Except as provided in section 28 of this chapter, as used in this chapter, "health insurance plan" or "plan" means any:
(1) hospital or medical expense incurred policy or certificate;
(2) hospital or medical service plan contract; or
(3) health maintenance organization subscriber contract;
provided to the employees of a small employer.
(b) The term does not include the following:
(1) Accident-only, credit, dental, vision, Medicare supplement, long term care, or disability income insurance.
(2) Coverage issued as a supplement to liability insurance.
(3) Worker's compensation or similar insurance.
(4) Automobile medical payment insurance.
(5) A specified disease policy.
(6) A short term insurance plan that:
(A) may be renewed for the greater of:
(i) thirty-six (36) months; or
(ii) the maximum period permitted under federal law;
(B) has a term of not more than three hundred sixty-four (364) days; and
(C) has an annual limit of at least two million dollars ($2,000,000).
(7) A policy that provides indemnity benefits not based on any expense incurred requirement, including a plan that provides coverage for:
(A) hospital confinement, critical illness, or intensive care; or
(B) gaps for deductibles or copayments.
(8) A supplemental plan that always pays in addition to other coverage.
(9) A student health plan.
(10) An employer sponsored health benefit plan that is:
(A) provided to individuals who are eligible for Medicare; and
(B) not marketed as, or held out to be, a Medicare supplement policy.
As added by P.L.127-1992, SEC.1. Amended by P.L.93-1995, SEC.11; P.L.11-2011, SEC.34; P.L.288-2019, SEC.17.
Structure Indiana Code
Article 8. Life, Accident, and Health
Chapter 15. Small Employer Group Health Insurance
27-8-15-0.1. Application of Certain Amendments to Chapter
27-8-15-1. Application of Chapter
27-8-15-3. "Actuarial Certification"
27-8-15-4. "Base Premium Rate"
27-8-15-5. "Benefit Design Characteristics"
27-8-15-6. "Case Characteristics"
27-8-15-8.5. "Eligible Employee"
27-8-15-9. "Health Insurance Plan"
27-8-15-12. "New Business Premium Rate"
27-8-15-15. "Small Employer Insurer"
27-8-15-19. Cancellation or Refusal of Renewal of Plans
27-8-15-20. Renewal Cessation; Notice
27-8-15-21. Renewal Cessation; Prohibitions
27-8-15-22. Disclosure of Premium Rate Changes
27-8-15-23. Maintenance of Rating and Renewal Practice Information and Documentation
27-8-15-24. Maintenance of Actuarial Certification; Submission to Department
27-8-15-26. Suspension of Premium Rate Provisions
27-8-15-27. Application in Conformity With Act; Compliance
27-8-15-28. Waiver of Exclusion and Limitation Period
27-8-15-29. Application in Conformity With Act; Exclusion of Coverage
27-8-15-30. Plan Modifications Prohibited
27-8-15-31.1. Continuing Coverage
27-8-15-34.1. All Products Required to Be Offered; All Employers Required to Be Accepted