Section § 10810

Explanation

本章定义了通过采购联盟提供的健康保险计划的几个关键术语。“辅助福利计划”涵盖员工的牙科或视力福利。“适当监管机构”根据计划类型,指保险部或受管理医疗保健部。“福利计划设计”详细说明了健康保险计划涵盖的服务、共付额和免赔额。“承运人”是指提供健康或辅助福利计划的任何实体。

其他定义包括管理采购联盟的“董事会”,以及监督联盟的“专员”。“合格雇员”是指全职、永久性员工,包括独资经营者和合伙人,但不包括兼职或临时工。“参保人”是指参加健康或辅助计划的合格员工或其受抚养人。“健康福利计划”是一种更广泛的医疗保健保险,不包括牙科或视力等特定类型。

附加术语定义了处理运营或行政任务的“管理公司”和“第三方管理人”,以及与联盟相关的“参与承运人”或“雇主”。“采购联盟”协调通过多个承运人和雇主提供健康福利。术语还涵盖了“风险调整系数”以及计划在“服务区域”内的营销方式。关于“小型雇主”和其他相关角色的定义参考了其他法典。

As used in this chapter:
(a)CA 保险 Code § 10810(a) “Ancillary benefit plan” means a policy or contract written or administered by a participating carrier that covers dental or vision benefits for the covered eligible employees of an employer or small employer and their dependents.
(b)CA 保险 Code § 10810(b) “Appropriate Regulatory Authority” means the Department of Insurance except for health care service plans, in which case it means the Department of Managed Health Care.
(c)CA 保险 Code § 10810(c) “Benefit plan design” means a specific health coverage product issued by a carrier to employers or small employers, to trustees of associations, or to individuals if the coverage is offered through employment or sponsored by an employer or small employer. It includes the services covered and the levels of copayment and deductibles.
(d)CA 保险 Code § 10810(d) “Board” means the governing body of the purchasing alliance. This term shall include the board of directors of a nonprofit corporation or trust, a for-profit corporation, the general partners of a partnership, or a sole proprietor.
(e)CA 保险 Code § 10810(e) “Carrier” means any licensed disability insurance company or licensed health care service plan or any other entity that writes, issues, or administers any health benefit plan or ancillary benefit plan to employers or small employers in this state.
(f)CA 保险 Code § 10810(f) “Commissioner” means the Insurance Commissioner, who shall have regulatory jurisdiction over purchasing alliances.
(g)CA 保险 Code § 10810(g) “Dependent” has the same meaning as in the subdivision (a) of Section 1357 of the Health and Safety Code and in subdivision (e) of Section 10700 of this code.
(h)CA 保险 Code § 10810(h) “Eligible employee” means any permanent employee who is actively engaged on a full-time basis in the conduct of business of the employer or small employer and, who has satisfied any employer or small employer waiting period requirements. The term includes sole proprietors or partners of a partnership if they are actively engaged on a full-time basis in the employer’s or small employer’s business, but does not include employees who work on a part-time, temporary, or substitute basis.
(i)CA 保险 Code § 10810(i) “Employer” means any corporation, partnership, sole proprietorship, or other business entity doing business in this state that may be eligible to participate in a purchasing alliance. The term “employer” shall not include “small employer” as defined in subdivision (s).
(j)CA 保险 Code § 10810(j) “Enrollee” means an eligible employee or a dependent of an eligible employee who is enrolled in a health benefit plan or ancillary benefit plan offered through the purchasing alliance by a participating carrier.
(k)CA 保险 Code § 10810(k) “Health benefit plan” means a policy or contract written or administered by a participating carrier that arranges or provides health care benefits for the covered eligible employees of an employer or small employer and their dependents. The term does not include accident only, credit, dental, vision, disability income, or long-term care insurance, coverage issued as a supplement to liability insurance, automobile medical payments insurance, or insurance under which benefits are payable with or without regard to fault and is statutorily required to be continued in any liability insurance policy or equivalent self-insurance.
(l)CA 保险 Code § 10810(l) “Management company” means the company under contract to the purchasing alliance to provide managerial services for the operation of the purchasing alliance.
(m)CA 保险 Code § 10810(m) “Participating carrier” means a carrier that contracts with a purchasing alliance to provide coverage to enrollees under a health benefit plan or ancillary benefit plan.
(n)CA 保险 Code § 10810(n) “Participating employer” means an employer or small employer who contracts with a purchasing alliance to provide coverage to the employer’s or small employer’s employees.
(o)CA 保险 Code § 10810(o) “Purchasing alliance” means a non-risk-bearing entity issued a certificate of registration pursuant to this chapter to provide health benefits through multiple unaffiliated participating carriers to multiple participating employers, small employers and their employees within this state as authorized by the commissioner. That entity shall include nonprofit corporations, for-profit corporations, trusts, partnerships, and sole proprietorships.
(p)CA 保险 Code § 10810(p) “Risk adjustment factor” for small employer benefit plan designs and contracts has the same meaning as in subdivision (j) of Section 1357 of the Health and Safety Code and in subdivision (u) of Section 10700 of this code.
(q)CA 保险 Code § 10810(q) “Service region” means that portion of the state, designated by the commissioner pursuant to regulations as described in this chapter in which each purchasing alliance must fairly and affirmatively offer, market, and sell all of the health benefit plan designs offered through the purchasing alliance that are sold or offered to a small employer to all small employers.
(r)CA 保险 Code § 10810(r) “小型雇主”具有与《健康与安全法典》第 1357 条 (l) 项第 (1) 款以及本法典第 10700 条 (w) 项第 (1) 款相同的含义。
(s)CA 保险 Code § 10810(s) “第三方管理人”指由采购联盟签约为采购联盟提供行政服务,并经部门根据第 1759.10 条许可提供该等服务的公司。