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    v1.0.28
    OpenPayerPolicy UpdatesAdministrative/Operational PolicyAlabama DOI federal shutdown accommodations | Open…
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    CurrentAlabama Department of InsurancePolicy 2019-02

    Federal Shutdown — Insurer Guidance for Accommodating Affected Policyholders

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    This bulletin informs all insurers authorized in Alabama that the Department of Insurance supports insurer efforts to reasonably accommodate policyholders adversely affected by the partial federal government shutdown (e.g., payment plans or premium extensions). It applies to insurers operating in Alabama and concerns Alabama residents employed by the federal government.

    Policy Summary
    PayerAlabama Department of Insurance
    PolicyFederal Shutdown — Insurer Guidance for Accommodating Affected Policyholders
    Policy CodePolicy 2019-02
    Change TypeInformational bulletin
    Effective DateJan 25, 2019
    Next Review Date
    Key ActionInsurers may implement accommodations such as payment plans or premium payment extensions for policyholders adversely affected by the federal shutdown; impacted policyholders should contact their insurer to report federal employment status.
    SourceLink
    POLICY UPDATE CHANGES

    No material clinical or coverage changes in this revision.

    Immediateeffective timing
    All insurersaudience
    Dec 22, 2018context start date

    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.

    Recommended Insurer Accommodations

    Recommended insurer accommodations

    Department guidance to insurers

    Department expresses support for insurer efforts to reasonably accommodate policyholders adversely affected by the partial federal government shutdown (began December 22, 2018).
    Examples of reasonable accommodations may include providing payment plans or extensions for premium payments.
    Impacted policyholders should contact their insurance company to inform them of their federal government employment status.

    Actions Supported for Insurers

    Note

    Accommodations for policyholders affected by the federal shutdown

    The Department supports insurer measures to reasonably accommodate policyholders adversely affected by the federal shutdown, including offering payment plans or extensions for premium payments. Impacted policyholders should contact their insurer and inform them of their federal government employment status so accommodations can be considered.

    • Offer payment plans to policyholders adversely affected by the partial federal government shutdown.
    • Provide extensions for premium payments where appropriate.
    • Require policyholders to contact their insurer and disclose federal government employment status to request accommodations.

    Impacted Policyholders

    Impacted policyholders: definition and guidance
    Defined termAlabama residents employed by the federal government who have been adversely affected by the partial federal government shutdown
    Who is includedPolicyholders residing in Alabama whose federal government employment or pay has been impacted by the partial federal government shutdown that began December 22, 2018
    Recommended insurer actionInsurers are supported in providing reasonable accommodations such as payment plans or premium payment extensions for these impacted policyholders
    Policyholder instructionImpacted policyholders should contact their insurance company to inform them of their federal government employment status
    EffectiveImmediate (bulletin dated January 25, 2019)
    Policy Summary
    PayerAlabama Department of Insurance
    PolicyFederal Shutdown — Insurer Guidance for Accommodating Affected Policyholders
    Policy CodePolicy 2019-02
    Change TypeInformational bulletin
    Effective DateJan 25, 2019
    Next Review Date
    Key ActionInsurers may implement accommodations such as payment plans or premium payment extensions for policyholders adversely affected by the federal shutdown; impacted policyholders should contact their insurer to report federal employment status.
    SourceLink
    On This Page
    Recommended Insurer AccommodationsActions Supported for InsurersImpacted Policyholders