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    v1.0.28
    OpenPayerPolicy UpdatesAdministrative/Operational PolicyAlabama DOI COVID-19 Premium Reduction Guidance | …
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    CurrentAlabama Department of InsurancePolicy 2020-06

    COVID-19 Health Insurance Premium Reduction and Credit Program Filing Guidance

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    Guidance for insurance carriers authorized in Alabama on submitting informational rate filings for premium reductions or credits related to COVID-19, and the Department's stance on such adjustments.

    Policy Summary
    PayerAlabama Department of Insurance
    PolicyCOVID-19 Health Insurance Premium Reduction and Credit Program Filing Guidance
    Policy CodePolicy Policy 2020-06
    Change TypeInformational guidance
    Effective DateJun 3, 2020
    Next Review Date
    Key ActionSubmit an informational rate filing via SERFF including timeframe, individual premium impact, and whether the action applies to new business and/or renewal; file policyholder communication under Supporting Documentation.
    SourceLink
    POLICY UPDATE CHANGES

    No material clinical or coverage changes in this revision.

    SERFF fee waivedfiling fee policy
    Immediateeffective timing
    New/renewalapplication scope

    Department Position on Premium Adjustments

    OpenPayer is powered by Trek Health's payer performance platform. Trek continuously ingests, validates, and normalizes Transparency in Coverage data alongside payer policies and other commercial payer data to create a structured payer intelligence foundation. OpenPayer uses this foundation to deliver personalized search results, dynamically generated policy pages, and tailored policy monitoring based on each user's payers, specialties, billing codes, and areas of interest. The same intelligence powers broader payer performance workflows, including reimbursement benchmarking, contract evaluation, payer negotiations, and financial decision-making.

    Department position

    Department stance on premium adjustments related to COVID-19:

    Prospective reductions in premium or retroactive return of premium made in accordance with this Bulletin to accommodate COVID-19 related changes in exposure or risk profile will not be considered a rebate or unfair discrimination to the extent they are reasonable and consistently applied.
    Reasonable and consistently applied premium adjustments will not be pursued by the Alabama Department of Insurance as violations of statutes governing returning premiums to policyholders or the frequency of premium changes.
    Such premium adjustments will not be considered out of compliance with approved rating plans, rules, or policy language provided they are reasonable and consistently applied.

    Filing Instructions for Insurers

    Documentation Required

    File informational SERFF rate filing with timeframe, impact, and scope

    Submit an informational rate filing through SERFF that describes the timeframe of the premium reduction or credit program, the individual premium impact, and whether the action applies to new business and/or renewals. Include a copy of the policyholder communication under the Supporting Documentation tab; the SERFF filing fee is waived.

    • Describe the program timeframe
    • State the individual premium impact
    • Specify whether the action applies to new business and/or renewal
    • File policyholder communication under Supporting Documentation
    • SERFF filing fee waived

    Key Definitions and Principles

    Reasonable and consistently applied premium adjustments
    DefinitionProspective reductions in premium or retroactive return of premium made to accommodate COVID-19 related changes in exposure or risk profile, provided they are reasonable and consistently applied.
    Department treatmentWill not be considered a rebate or unfair discrimination to the extent they are reasonable and consistently applied.
    Enforcement stanceWill not be pursued as violations of statutes governing returning premiums or the frequency of premium changes when reasonable and consistently applied.
    Compliance with rating plansSuch adjustments will not be considered out of compliance with approved rating plans, rules, or policy language if reasonable and consistently applied.
    Policy Summary
    PayerAlabama Department of Insurance
    PolicyCOVID-19 Health Insurance Premium Reduction and Credit Program Filing Guidance
    Policy CodePolicy Policy 2020-06
    Change TypeInformational guidance
    Effective DateJun 3, 2020
    Next Review Date
    Key ActionSubmit an informational rate filing via SERFF including timeframe, individual premium impact, and whether the action applies to new business and/or renewal; file policyholder communication under Supporting Documentation.
    SourceLink
    On This Page
    Department Position on Premium AdjustmentsFiling Instructions for InsurersKey Definitions and Principles