Illinois Administrative Code
Title 50 - INSURANCE
Part 2005 - PRE-EXISTING ILLNESS
Section 2005.20 - Applicability
Universal Citation: 50 IL Admin Code ยง 2005.20
Current through Register Vol. 48, No. 12, March 22, 2024
a) This Part shall apply to individual and group accident and health insurance policies to the extent that they provide benefits and coverage that fall under an excepted benefits plan and to all other individual and group insurance policies that are not subject to 50 Ill. Adm. Code 2001.5 or 50 Ill. Adm. Code 2008.
b) For purposes of this Part, the term "excepted benefits" means benefits under one or more (or any combination) of the following:
1) Benefits not subject to requirements:
A) Coverage only for accident, or disability
income insurance, or any combination thereof;
B) Coverage issued as a supplement to
liability insurance;
C) Liability
insurance, including general liability insurance and automobile liability
insurance;
D) Workers' compensation
or similar insurance;
E) Automobile
medical payment insurance;
F)
Credit-only insurance;
G) Coverage
for on-site medical clinics; or
H)
Other similar insurance coverage, specified in this Chapter, under which
benefits for medical care are secondary or incidental to other insurance
benefits.
2) Benefits
not subject to requirements if offered separately:
A) Limited scope dental or vision
benefits;
B) Benefits for long-term
care, nursing home care, home health care, community-based care, or any
combination thereof; or
C) Such
other similar, limited benefits as are specified in rules.
3) Benefits not subject to requirements if
offered as independent, noncoordinated benefits:
A) Coverage only for a specified disease or
illness; or
B) Hospital indemnity
or other fixed indemnity insurance. [215
ILCS 97/20 ] (
26
USC 9832 )
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