Revised Code of Washington
Chapter 48.44 - Health Care Services.
48.44.309 - Legislative finding.

RCW 48.44.309
Legislative finding.

The legislature finds and declares that there is a paramount concern that the right of the people to obtain access to health care in all its facets is being impaired. The legislature further finds that there is a heavy reliance by the public upon prepaid health care service agreements and insurance, whether profit or nonprofit, as the only effective manner in which the large majority of the people can obtain access to quality health care. Further, the legislature finds that health care service agreements may be anticompetitive because of the exclusion of other licensed forms of health care and that because of the high costs of health care, there is a need for competition to reduce these costs. It is, therefore, declared to be in the public interest that these contracts as a form of insurance be regulated under the police power of the state to assure that all the people have the greatest access to health care services.

[ 1983 c 286 § 1.]
NOTES:

Severability—1983 c 286: "If any provision of this act or its application to any person or circumstance is held invalid, the remainder of the act or the application of the provision to other persons or circumstances is not affected." [ 1983 c 286 § 5.]

Structure Revised Code of Washington

Revised Code of Washington

Title 48 - Insurance

Chapter 48.44 - Health Care Services.

48.44.010 - Definitions.

48.44.011 - Insurance producer—Definition—License required—Application, issuance, renewal, fees—Penalties involving license.

48.44.013 - Filings with secretary of state—Copy for commissioner.

48.44.015 - Registration by health care service contractors required—Penalty.

48.44.016 - Unregistered activities—Acts committed in this state—Sanctions.

48.44.017 - Schedule of rates for individual contracts—Loss ratio—Definitions.

48.44.020 - Contracts for services—Examination of contract forms by commissioner—Grounds for disapproval—Liability of participant.

48.44.021 - Calculation of premiums—Members of a purchasing pool—Adjusted community rating method—Definitions.

48.44.022 - Calculation of premiums—Adjusted community rate—Definitions.

48.44.023 - Health plan benefits for small employers—Coverage—Exemption from statutory requirements—Premium rates—Requirements for providing coverage for small employers.

48.44.024 - Requirements for plans offered to small employers—Definitions.

48.44.026 - Payment for certain health care services.

48.44.030 - Underwriting of indemnity by insurance policy, bond, securities, or cash deposit.

48.44.033 - Financial failure—Supervision of commissioner—Priority of distribution of assets.

48.44.035 - Limited health care service—Uncovered expenditures—Minimum net worth requirements.

48.44.037 - Minimum net worth—Requirement to maintain—Determination of amount.

48.44.039 - Minimum net worth—Domestic or foreign health care service contractor.

48.44.040 - Registration with commissioner—Fee.

48.44.050 - Rules and regulations.

48.44.055 - Plan for handling insolvency—Commissioner's review.

48.44.057 - Insolvency—Commissioner's duties—Participants' options—Allocation of coverage.

48.44.060 - Penalty.

48.44.080 - Master lists of contractor's participating providers—Filing with commissioner—Notice of termination or participation.

48.44.090 - Refusal to register corporate, etc., contractor if name confusing with existing contractor or insurance company.

48.44.095 - Annual financial statement—Filings—Contents—Fee—Penalty for failure to file.

48.44.100 - Filing inaccurate financial statement prohibited.

48.44.110 - False representation, advertising.

48.44.120 - Misrepresentations of contract terms, benefits, etc.

48.44.130 - Future dividends or refunds—When permissible.

48.44.140 - Misleading comparisons to terminate or retain contract.

48.44.145 - Examination of contractors—Duties of contractor, powers of commissioner—Independent audit reports.

48.44.150 - Certificate of registration not an endorsement—Display in solicitation prohibited.

48.44.160 - Revocation, suspension, refusal of registration—Hearing—Cease and desist orders, injunctive action—Grounds.

48.44.164 - Notice of suspension, revocation, or refusal to be given contractor—Authority of insurance producers.

48.44.166 - Fine in addition to or in lieu of suspension, revocation, or refusal.

48.44.170 - Hearings and appeals.

48.44.180 - Enforcement.

48.44.200 - Individual health care service plan contracts—Coverage of dependent child with developmental or physical disability.

48.44.210 - Group health care service plan contracts—Coverage of dependent child with developmental or physical disability.

48.44.212 - Coverage of dependent children to include newborn infants and congenital anomalies from moment of birth—Notification period.

48.44.215 - Option to cover child under age twenty-six.

48.44.220 - Discrimination prohibited.

48.44.225 - Podiatric physicians and surgeons not excluded.

48.44.230 - Individual health service plan contract—Return within ten days of delivery—Refunds—Void from beginning—Notice required.

48.44.240 - Chemical dependency benefits—Provisions of group contracts delivered or renewed after January 1, 1988.

48.44.241 - Chemical dependency benefits—RCW 48.21.160 through 48.21.190, 48.44.240 inapplicable, when.

48.44.245 - "Chemical dependency" defined.

48.44.250 - Payment of premium by employee in event of suspension of compensation due to labor dispute.

48.44.260 - Notice of reason for cancellation, denial, or refusal to renew contract.

48.44.270 - Immunity from libel or slander.

48.44.290 - Registered nurses or advanced registered nurses.

48.44.299 - Legislative finding.

48.44.300 - Podiatric medicine and surgery—Benefits not to be denied.

48.44.305 - When injury caused by intoxication or use of narcotics.

48.44.309 - Legislative finding.

48.44.310 - Chiropractic care, coverage required, exceptions.

48.44.315 - Diabetes coverage—Definitions.

48.44.320 - Home health care, hospice care, optional coverage required—Standards, limitations, restrictions—Rules—Medicare supplemental contracts excluded.

48.44.323 - Prescribed, self-administered anticancer medication.

48.44.325 - Mammograms—Insurance coverage.

48.44.327 - Prostate cancer screening.

48.44.330 - Reconstructive breast surgery.

48.44.335 - Mastectomy, lumpectomy.

48.44.341 - Mental health services—Health plans—Definition—Coverage required, when.

48.44.342 - Mental health treatment—Waiver of preauthorization for persons involuntarily committed.

48.44.344 - Benefits for prenatal diagnosis of congenital disorders—Contracts entered into or renewed on or after January 1, 1990.

48.44.350 - Financial interests of health care service contractors, restricted—Exceptions, regulations.

48.44.360 - Continuation option to be offered.

48.44.370 - Conversion contract to be offered—Exceptions, conditions.

48.44.380 - Conversion contract—Restrictions and requirements—Rules.

48.44.390 - Modification of basis of agreement, endorsement required.

48.44.400 - Continuance provisions for former family members.

48.44.420 - Coverage for adopted children.

48.44.430 - Cancellation of rider.

48.44.440 - Phenylketonuria.

48.44.450 - Neurodevelopmental therapies—Employer-sponsored group contracts.

48.44.460 - Temporomandibular joint disorders—Insurance coverage.

48.44.465 - Prescriptions—Preapproval of individual claims—Subsequent rejection prohibited—Written record required.

48.44.470 - Nonresident pharmacies.

48.44.495 - Dental services that are not subject to contract or provider agreement.

48.44.500 - Denturist services.

48.44.530 - Disclosure of certain material transactions—Report—Information is confidential.

48.44.535 - Material acquisitions or dispositions.

48.44.540 - Asset acquisitions—Asset dispositions.

48.44.545 - Report of a material acquisition or disposition of assets—Information required.

48.44.550 - Material nonrenewals, cancellations, or revisions of ceded reinsurance agreements.

48.44.555 - Report of a material nonrenewal, cancellation, or revision of ceded reinsurance agreements—Information required.

48.44.900 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521.