COLORADO DEPARTMENT OF REGULATORY AGENCIES
DEPARTMENT OF REGULATORY AGENCIES
DIVISION OF INSURANCE
3 CCR 702-4
LIFE, ACCIDENT AND HEALTH
PROPOSED AMENDED REGULATION 4-2-54
NETWORK ACCESS PLAN STANDARDS AND REPORTING REQUIREMENTS FOR ACA-COMPLIANT HEALTH BENEFIT PLANS
Section 1 Authority
Section 2 Scope and Purpose
Section 3 Applicability
Section 4 Definitions
Section 5 General Network Access Plan Standards
Section 6 Additional Network Access Plan Reporting Requirements
Section 7 Network Access Plan Procedures for Referrals
Section 8 Network Access Plan Disclosures and Notices
Section 9 Network Access Plan and Coordination and Continuity of Care
Section 10 Annual Network Access Plan Reporting and Attestations
Section 11 Network Access Plan Attestations
Section 121 Severability
Section 12 Incorporated Materials
Section 13 Enforcement
Section 14 Effective Date
Section 15 History
Section 1 Authority
This regulation is promulgated and adopted by the Commissioner of Insurance under the authority of §§ 10-1-109(1), 10-16-109, 10-16-704(1.5), and 10-16-708, C.R.S.
Section 2 Scope and Purpose
The purpose of this regulation is to provide carriers offering ACA-compliant health benefit plans with standards and guidance on Colorado filing requirements for health benefit plan network access plan filings. These standards shall serve as the measurable requirements used by the Division to evaluate the adequacy of carrier network access plan filings.
Section 3 Applicability
This regulation applies to all carriers marketing and issuingoffering ACA-compliant individual, small group, and/or large group health benefit plans on or after January 1, 2017; subject to the individual, small group, and/or large group laws of Colorado. This regulation excludes individual short-term policies as defined in § 10-16-102(60), C.R.S.
Section 4 Definitions
A. “ACA” or means, for the purposes of this regulation, The Patient Protection and Affordable Care Act, Pub. L. 111-148 and the Health Care and Education Reconciliation Act of 2010, Pub. L. 111-152.
B. “Carrier” shall have the same meaning as found at § 10-16-102(8), C.R.S.
AC. “Covered person” means, for the purposes of this regulation, a person entitled to receive benefits or services under a health benefit plan shall have the same meaning as found at § 10-16-102(15), C.R.S.
BD. “Emergency medical condition” shall have the same meaning as found at § 10-16-704(5.5)(b)(I), C.R.S.
CE. “Emergency services” shall have the same meaning as found at § 10-16-704(5.5)(b)(II), C.R.S.
DF. “Enrollment” means, for the purposes of this regulation, the number of covered persons enrolled in a specific health plan or network.
EG. “Essential community provider” and “ECP”, mean, for the purpose of this regulation, a provider that serves predominantly low-income, medically underserved individuals, including health care providers defined in part 4 of article 5 of title 25.5, C.R.S. and at 45 C.F.R. § 156.235(c).
FH. “Health benefit plan” shall have the same meaning as found at § 10-16-102(32), C.R.S.
GI. “Managed care plan” shall have the same meaning as found at § 10-16-102(43), C.R.S.
HJ. “Material change” means, for the purposes of this regulation, changes in the carrier’s network of providers or type of providers available in the network to provide health care services or specialty health care services to covered persons that may renders the carrier’s network non-compliant with one or more network adequacy standards. Types of changes that could be considered material include:
1. A significant reduction in the number of primary or specialty care physicians available in a network;
2. A reduction in a specific type of provider such that a specific covered service is no longer available;
3. A change to the tiered, multi-tiered, layered or multi-level network plan structure; and
4. A change in inclusion of a major health system that causes the network to be significantly different from what the covered person initially purchased.
IK. “Mental health, behavioral health, and substance abuse disorder care” means, for the purposes of this regulation, health care services for a range of common mental or behavioral health conditions, or substance abuse disorders provided by a physician or non-physician professionals.
JL. “Mental health, behavioral health, and substance abuse disorder care providers” for the purposes of this regulation, and for the purposes of network adequacy measurements, include psychiatrists, psychologists, psychotherapists, licensed clinical social workers, psychiatric practice nurses, licensed addiction counselors, licensed marriage and family counselors, and licensed professional counselors.
KM. “Network” means, for the purposes of this regulation, a group of participating providers providing services under a managed care plan. Any subdivision or subgrouping of a network is considered a network if covered individuals are restricted to the subdivision or subgrouping for covered benefits under the managed care plan.shall have the same meaning as found at § 10-16-102(435), C.R.S.
LN. “Primary care” means, for the purposes of this regulation, health care services for a range of common physical, mental or behavioral health conditions provided by a physician or non-physician primary care provider.
MO. “Primary care provider” or “PCP” means, for the purposes of this regulation, a participating health care professional designated by the carrier to supervise, coordinate or provide initial care or continuing care to a covered person, and who may be required by the carrier to initiate a referral for specialty care and maintain supervision of health care services rendered to the covered person. For the purposes of network adequacy measurements, PCPs for adults and children include physicians (Ppediatrics, Ggeneral Ppractice, Ffamily Mmedicine, Iinternal Mmedicine, Ggeriatrics, Oobstetrics/Ggynecology) and physician assistants and nurse practitioners supervised by, or collaborating with, a primary care physician.
NP. “Specialist” means, for the purposes of this regulation, a physician or non-physician health care professional who:
1. Focuses on a specific area of physical, mental or behavioral health or a group of patients; and
2. Has successfully completed required training and is recognized by the state in which he or she practices to provide specialty care.
“Specialist” includes a subspecialist who has additional training and recognition above and beyond his or her specialty training.
Q. “Telehealth” shall have the same meaning as found in § 10-16-123(4)(e), C.R.S.
Section 5 General Network Access Plan Standards
A. Network access plans are used by carriers to describe their policies and procedures for maintaining and ensuring that their networks are sufficient and consistent with state and federal requirements. These plans, along with other documents, are filed with the Division annually and are available upon request to consumers.
B. A cCarriers shall file, maintain, and make available on their website, an access plan for each managed care network that the carrier offers in Colorado.
C. A cCarriers shall prepare an access plan prior to offering a new network plan, and shall notify the Commissioner of any material change to any existing network plan within fifteen (15) business days after the change occurs, including a reasonable timeframe, pursuant to § 10-16-704(2.5), C.R.S., within which it will file an update to an existing access plan.
D. A cCarriers shall make the access plans, absent confidential information pursuant to § 24-72-204, C.R.S., available and shall provide them to any interested party upon request.
E. All health benefit plans and marketing materials of a carrier shall clearly disclose the existence and availability of the access plan.
F. All rights and responsibilities of the covered person under the health benefit plan shall be included in the contract provisions of the health benefit plan, regardless of whether or not such provisions are also specified in the access plan.
G. Carriers shall submit all filings current network access plans to the Division through the NAIC System for Electronic Rates and Forms Filing (“SERFF”) with the annual network adequacy form filing specified in Colorado Insurance Regulation 4-2-53.
H. Carriers shall prepare and file an access plan prior to offering a new managed care network, and shall update an existing access plan whenever the carrier makes any material change to an existing managed care network, and shall file the current access plan with the Division not less often than annually.
I. An access plan submitted by a carrier offering a managed care plan mustshall demonstrate that the carrier has:
1. An adequate network that it is actively maintaining;
2. Procedures to address referrals within its network and to providers outside of its network;
3. The required disclosures and notices to inform consumers of the plan’s services and features; and
4. A documented process and plan for coordination and continuity of care.
Section 6 Additional Network Access Plan Reporting Requirements
The carrier shall address the following in the network access plan for each network offered by the carrier:
A. Establishing that the carrier’s network has an adequate number of providers and facilities within a reasonable distance;
B. The specific provider and facility types that will be measured and reported in the network “Aaccess Pplan” and “Enrollment Document” filed via in SERFF. Those provider and facility types include, but are not limited to, the following:
1. Acute care hospital services;
2. Primary care providers (PCP);
3. Providers who may be available through the use of telehealth;
4. Pharmacy providers, within a reasonable distance and/or delivery time, and can include retail and/or mail-order pharmacy providers; and
5. Other provider and facility types;
C. The carrier’s documented quantifiable and measureable process for monitoring and assuring the sufficiency of the network in order to meet the health care needs of populations enrolled in its managed care plans on an ongoing basis;
D. The factors a carrier uses to build its provider network, including a description of the network and the criteria used to select and/or tier providers;
E. The carrier’s quality assurance standards which must be adequate to identify, evaluate, and remedy problems relating to access, continuity, and quality of care;
F. The carrier’s process to assure that a covered person is able to obtain a covered benefit, at the in-network benefit level, from a non-participating provider should the carrier’s network prove to not be sufficient;
G. The carrier’s process to ensure that covered services or treatment rendered at a network facility, including ancillary services or treatment rendered by an out-of-network provider performing the services or treatment at a network facility, shall be covered at no greater cost to the covered person than if the services or treatment were obtained from an in-network provider; and
GH. The carrier’s process for monitoring access to physician specialist services for emergency room care, anesthesiology, radiology, hospitalist care, pathology, and laboratory services at its participating facilities.
Section 7 Network Access Plan Procedures for Referrals
The network access plan for each network offered by the carrier shall include procedures for making referrals both within its networks and outside of its networks pursuant to § 10-16-704(9), C.R.S., and mustshall include the following:
A. A comprehensive listing, made available to covered persons and primary care providers, of the carrier’s network of participating providers and facilities;
B. A provision that referral options cannot be restricted to less than all providers in the network that are qualified to provide covered specialty services; except that an ACA-compliant health benefit plan may offer variable deductibles, coinsurance and/or copayments to encourage the selection of certain providers;
C. A health benefit plan that offers variable deductibles, coinsurance, and/or copayments shall provide adequate and clear disclosure, as required by law and Colorado Insurance Regulation 4-2-29, of variable deductibles and copayments to enrollees, and the amount of any deductible or copayment shall be reflected on the benefit card provided to the enrollees;
DC. Timely referrals for access to specialty care;
ED. A process for expediting the referral process when indicated by the covered persons medical condition;
FE. A provision that referrals approved by the carrier cannot be retrospectively denied except for fraud or abuse;
GF. A provision that referrals approved by the carrier cannot be changed after the preauthorization is provided unless there is evidence of fraud or abuse; and
HG. The carrier’s process allowing members to access services outside the network when necessary.
Section 8 Network Access Plan Disclosures and Notices
A. In the network access plan for each network offered, a carrier shall explain its method for informing covered persons of the plan's services and features through disclosures and notices to policyholders.
B. Required disclosures, pursuant to § 10-16-704(9), C.R.S., shall include:
1. The carrier's grievance procedures, which shall be in conformance with Division regulations concerning prompt investigation of health claims involving utilization review and grievance procedures;
2. The extent to which specialty medical services, including but not limited to physical therapy, occupational therapy, and rehabilitation services are available;
3. The carrier's procedures for providing and approving emergency and non-emergency medical care;
4. The carrier’s process for choosing and changing network providers;
5. The carrier's documented process to address the needs, including access and accessibility of services, of covered persons with limited English proficiency and illiteracy, with diverse cultural and ethnic backgrounds, and with physical or mental disabilities;
6. The carrier's documented process to identify the potential needs of special populations; and
7. The carrier's methods for assessing the health care needs of covered persons, tracking and assessing clinical outcomes from network services, assessing needs on an on-going basis, assessing the needs of diverse populations, and evaluating consumer satisfaction with services provided.
Section 9 Network Access Plans and Coordination and Continuity of Care
A. A carrier shall address its process for ensuring the coordination and continuity of care for its policyholders in the network access plan, pursuant to § 10-16-704(9)(h), C.R.S., for each network offered by the carrier.
B. The process for ensuring the coordination and continuity of care shall include, but is not limited to, the following:
1. The carrier's documented process for ensuring the coordination and continuity of care for covered persons referred to specialty providers;
2. The carrier's documented process for ensuring the coordination and continuity of care for covered persons using ancillary services, including social services and other community resources;
3. The carrier's documented process for ensuring appropriate discharge planning;
4. The carrier's process for enabling covered persons to change primary care providers;
5. The carrier's proposed plan and process for providing continuity of care in the event of contract termination between the carrier and any of its participating providers or in the event of the carrier's insolvency or other inability to continue operations. The proposed plan and process mustshall include an explanation of how covered persons shall be notified in the case of a provider contract termination, the carrier's insolvency, or of any other cessation of operations, as well as how policyholders impacted by such events will be transferred to other providers in a timely manner; and
6. A carrier mustshall file and make available upon request the fact that the carrier has a “hold harmless” provision in its provider contracts, prohibiting contracted providers from balance-billing covered persons in the event of the carrier’s insolvency or other inability to continue operations in compliance with § 10-16-705(3), C.R.S.
Section 10 Annual Network Access Plan Reporting and Attestations
A. Network access plans filings shall be provided along with the other binder filings submitted in network adequacy form filings in SERFF for each health benefit plannetwork offered. The data provided in the network access plans shall be specific to each network in a carrier’s service area.
B. All network access plans, enrollment documents, and network adequacy maps shall be filed in SERFF for each carrier’s network identification number and shall not be filed by plan type or group size.
C. The data provided in the network access plans shall be specific to each network in a carrier’s service area.
D. All carriers shall submit access plans in SERFF for each network they utilize. Carriers must also submit a copy of the “Network Access Plan” cover sheet with the access plan for each network to ensure that the access plan contains all of the required plan information. The access plans, and the carrier’s web address for the location on its website where consumers can find plan-specific network access plans, will be attached to the “Supporting Documentation” tab on the binder filing.
E. All carriers shall submit a separate enrollment document in SERFF for each network they utilize. Enrollment documents must be submitted in Excel format using the “DOI Enrollment Document Template.” Counts used for this document shall be based on the projected enrollment of all members in the carrier’s individual, small group and/or large group plans utilizing that specific network.
F. All carriers must submit maps showing geographic access standards for select providers and facilities for each network they utilize.
Section 11 Network Access Plan Attestations
B. The following attestations shall be made on the “Carrier Network Adequacy Summary and Attestation Form” submitted with the form filing.
A1. Carrier attests that each of its managed care health benefit plans will maintain a provider network(s) that is sufficient in number and types of providers, including providers that specialize in mental health, behavioral health, and substance abuse care services, to assure that the services will be accessible without unreasonable delay.
B2. Carrier attests that each of its managed care health benefit plans include in its provider network(s) a sufficient number and geographic distribution of essential community providers (ECPs), where available, to ensure reasonable and timely access to a broad range of such providers for low-income, medically underserved individuals in their service areas.
C3. If the carrier does not immediately meet network adequacy standards, the carrier will include an attestation adequately addressing how it plans to meet network adequacy standards specified in section 5 of this regulation. Such changes mustshall be implemented and filed by the carrier in accordance with the reasonable schedule established by the carrier and reviewed by the Division.
Section 121 Severability
If any provision of this regulation or the application of it to any person or circumstance is for any reason held to be invalid, the remainder of this regulation shall not be affected.
Section 12 Incorporated Materials
45 C.F.R. § 156.235(c) published by the Government Printing Office shall mean 45 C.F.R. § 156.235(c) as published on the effective date of this regulation and does not include later amendments to or editions of 45 C.F.R. § 156.235(c). A copy of 45 C.F.R. § 156.235(c) may be examined during regular business hours at the Colorado Division of Insurance, 1560 Broadway, Suite 850, Denver, Colorado, 80202. A certified copy of 45 C.F.R. § 156.235(c) may be requested from the Colorado Division of Insurance, 1560 Broadway, Suite 850, Denver, CO 80202. A charge for certification or copies may apply. A copy may also be obtained online at .
Colorado Insurance Regulation 4-2-53, published by the Colorado Division of Insurance shall mean Colorado Insurance Regulation 4-2-53, as published on the effective date of this regulation and does not include later amendments to or editions of Colorado Insurance Regulation 4-2-53. Colorado Insurance Regulation 4-2-53 may be examined during regular business hours at the Colorado Division of Insurance, 1560 Broadway, Suite 850, Denver, Colorado 80202 or by visiting the Colorado Division of Insurance Website at dora.insurance/. Certified copies of Colorado Insurance Regulation 4-2-53 are available from the Colorado Division of Insurance for a fee.
Section 13 Enforcement
Noncompliance with this regulation may result in the imposition of any of the sanctions made available in the Colorado statutes pertaining to the business of insurance, or other laws, which include the imposition of civil penalties, issuance of cease and desist orders, and/or suspensions or revocation of license, subject to the requirements of due process.
Section 14 Effective Date
This new amended regulation shall be effective on January 1, 2017 July 1, 2018.
Section 15 History
New regulation effective January 1, 2017
Amended regulation effective on July 1, 2018
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