Tex.
Ins. Code Section 1215.003
Receipt of and Response to Request for Claim Information
(a)
Not later than the 30th day after the date a health insurance issuer receives a written request for a written report of claim information from a plan, plan sponsor, or plan administrator, the health insurance issuer shall provide the requesting party the report, subject to Subsections (d), (e), and (f). The health insurance issuer is not obligated to provide a report under this subsection regarding a particular employer or group health plan more than twice in any 12-month period.(b)
A health insurance issuer shall provide the report of claim information under Subsection (a):(1)
in a written report;(2)
through an electronic file transmitted by secure electronic mail or a file transfer protocol site; or(3)
by making the required information available through a secure website or web portal accessible by the requesting plan, plan sponsor, or plan administrator.(c)
A report of claim information provided under Subsection (a) must contain all information available to the health insurance issuer that is responsive to the request made under Subsection (a), including, subject to Subsections (d), (e), and (f), protected health information, for the 36-month period preceding the date of the report or the period specified by Subdivisions (4), (5), and (6), if applicable, or for the entire period of coverage, whichever period is shorter. Subject to Subsections (d), (e), and (f), a report provided under Subsection (a) must include:(1)
aggregate paid claims experience by month, including claims experience for medical, dental, and pharmacy benefits, as applicable;(2)
total premium paid by month;(3)
total number of covered employees on a monthly basis by coverage tier, including whether coverage was for:(A)
an employee only;(B)
an employee with dependents only;(C)
an employee with a spouse only; or(D)
an employee with a spouse and dependents;(4)
the total dollar amount of claims pending as of the date of the report;(5)
a separate description and individual claims report for any individual whose total paid claims exceed $15,000 during the 12-month period preceding the date of the report, including the following information related to the claims for that individual:(A)
a unique identifying number, characteristic, or code for the individual;(B)
the amounts paid;(C)
dates of service; and(D)
applicable procedure codes and diagnosis codes; and(6)
for claims that are not part of the report described by Subdivisions (1)-(5), a statement describing precertification requests for hospital stays of five days or longer that were made during the 30-day period preceding the date of the report.(d)
A health insurance issuer may not disclose protected health information in a report of claim information provided under this section if the health insurance issuer is prohibited from disclosing that information under another state or federal law that imposes more stringent privacy restrictions than those imposed under federal law under the Health Insurance Portability and Accountability Act of 1996 (Pub. L. No. 104-191). To withhold information in accordance with this subsection, the health insurance issuer must:(1)
notify the plan, plan sponsor, or plan administrator requesting the report that information is being withheld; and(2)
provide to the plan, plan sponsor, or plan administrator a list of categories of claim information that the health insurance issuer has determined are subject to the more stringent privacy restrictions under another state or federal law.(e)
A plan sponsor is entitled to receive protected health information under Subsections (c)(5) and (6) and Section 1215.004 (Request for Additional Information) only after an appropriately authorized representative of the plan sponsor makes to the health insurance issuer a certification substantially similar to the following certification:(f)
A plan sponsor that does not provide the certification required by Subsection (e) is not entitled to receive the protected health information described by Subsections (c)(5) and (6) and Section 1215.004 (Request for Additional Information), but is entitled to receive a report of claim information that includes the information described by Subsections (c)(1)-(4).(g)
In the case of a request made under Subsection (a) after the date of termination of coverage, the report must contain all information available to the health insurance issuer as of the date of the report that is responsive to the request, including protected health information, and including the information described by Subsections (c)(1)-(6), for the period described by Subsection (c) preceding the date of termination of coverage or for the entire policy period, whichever period is shorter. Notwithstanding this subsection, the report may not include the protected health information described by Subsections (c)(5) and (6) unless a certification has been provided in accordance with Subsection (e).(h)
A plan, plan sponsor, or plan administrator must request a report under Subsection (a) before or on the second anniversary of the date of termination of coverage under a group health plan issued by the health benefit plan issuer.
Source:
Section 1215.003 — Receipt of and Response to Request for Claim Information, https://statutes.capitol.texas.gov/Docs/IN/htm/IN.1215.htm#1215.003 (accessed May 18, 2024).
