If a corporation utilizes a groups loss ratio as a rating factor at the time of renewal of a policy, plan, or contract, the corporation shall, upon request of an insured or subscriber, provide the loss ratio and the components of the loss ratio calculation to the insured or subscriber no more than 90 days but no less than 60 days before the renewal date of the policy, plan, or contract. For purposes of this section, "loss ratio" means the total losses paid out in medical claims divided by the total earned premiums: Provided, That that the requirements of this section do not apply to a dental service corporation as that term is defined in this article.
Structure West Virginia Code
§33-24-1. Declaration of Policy
§33-24-4. Exemptions; Applicability of Insurance Laws
§33-24-4a. Coverage for Patient Cost of Clinical Trials
§33-24-4b. Applicability of Insurance Fraud Prevention Act
§33-24-5. Licenses; Name of Corporation
§33-24-6. Commissioner to Enforce Article; Approval of Contracts, Forms, Rates and Fees
§33-24-7a. Contracts to Cover Nursing Service
§33-24-7b. Third Party Reimbursement for Mammography, Pap Smear or Human Papilloma Virus Testing
§33-24-7c. Third Party Reimbursement for Rehabilitation Services
§33-24-7e. Coverage of Emergency Services
§33-24-7f. Third Party Reimbursement for Colorectal Cancer Examination and Laboratory Testing
§33-24-7g. Required Coverage for Reconstruction Surgery Following Mastectomies
§33-24-7h. Required Use of Mail-Order Pharmacy Prohibited
§33-24-7i. Third-Party Reimbursement for Kidney Disease Screening
§33-24-7j. Required Coverage for Dental Anesthesia Services
§33-24-7k. Coverage for Diagnosis and Treatment of Autism Spectrum Disorders
§33-24-7m. Deductibles, Copayments and Coinsurance for Anti-Cancer Medications
§33-24-7n. Eye Drop Prescription Refills
§33-24-7o. Deductibles, Copayments and Coinsurance for Abuse-Deterrent Opioid Analgesic Drugs
§33-24-7q. Coverage for Amino Acid-Based Formulas
§33-24-7r. Substance Use Disorder
§33-24-7s. Prior Authorization
§33-24-7t. Fairness in Cost-Sharing Calculation
§33-24-7u. Mental Health Parity
§33-24-7v. Incorporation of the Health Benefit Plan Network Access and Adequacy Act
§33-24-7w. Incorporation of the Coverage for 12-Month Refill for Contraceptive Drugs
§33-24-9. Payroll Deduction for Governmental Employees
§33-24-10. Investments; Bonds of Corporate Officers and Employees, Minimum Statutory Surplus
§33-24-11. Reciprocity With Other Service Plans; Payment Authorized
§33-24-12. Creation of Subsidiary Corporation or Corporations
§33-24-13. Continuum of Care Services
§33-24-14. Delinquency Proceedings
§33-24-43. Policies Discriminating Among Health Care Providers
§33-24-45. Assignment of Certain Benefits in Dental Care Insurance Coverage