Current through Register Vol. 63, No. 9, September 1, 2024
(1) Eligibility, enrollment issues or
rescissions. OEBB has an Appeal process consisting of three levels that a
member can use if they disagree with an eligibility determination or enrollment
record. If the appeal is a result of a rescission, or a determination that the
benefit is not a covered benefit, coverage will continue pending the outcome of
the appeal. These three levels are:
(a)
Appeal. An Appeal is the first level and must be received by OEBB in writing.
OEBB staff will respond to all appeals within 30 days of receipt. OEBB staff
gathers all information and sets up the Appeal file. OEBB Staff reviews the
Appeal and makes a decision. The member is then notified in writing of the OEBB
staff's decision. If the decision is an adverse benefit determination, the
notice will include the specific reason(s) for the decision, a reference to the
specific plan provision or OAR on which the determination was based a
description of any additional information required and a description of the
OEBB appeals process.
(b) Request
for Reconsideration. A Request for Reconsideration is the second level and can
be used if the member is not satisfied with the outcome on their Appeal. The
request by the member must be received in writing within 31 days of receiving
the Appeal decision notification. OEBB staff requests any additional
information needed and includes in the Appeal file. The OEBB Management Team
reviews all the information contained in the file (from the Appeal and the
Request for Reconsideration) and makes a decision. The member is then notified
in writing of the OEBB Management Team's decision. If the decision is an
adverse benefit determination, the notice will include the specific reason(s)
for the decision, a reference to the specific plan provision or OAR on which
the determination was based, a description of any additional information
required and a description of the OEBB appeals process.
(c) Administrative Review Request. An
Administrative Review Request is the third level and can be used if the member
is not satisfied with the outcome on their Request for Reconsideration. The
request by the member must be in writing OEBB staff requests any additional
information and adds it to the Appeal file. OEBB staff will schedule an
Administrative Review Committee meeting. OEBB staff will notify the member and
all applicable parties of the date, time and location. At the meeting, the
Administrative Review Request will be presented to the Administrative Review
Committee members and after considering all documentation and possible public
comment, a decision is made. The Administrative Review Committee has the
authority to grant exceptions to OEBB's Administrative Rules when there are
extenuating circumstances which can be supported by documentation and verified
by OEBB staff. All such documentation will be included in the member's Appeal
file. The member will be notified in writing of the Administrative Review
Committee's decision. If the decision is an adverse benefit determination, the
notice will include the specific reason(s) for the decision, a reference to the
specific plan provision or OAR on which the determination was based a
description of any additional information required and a description of the
OEBB appeals process.
(2) Benefit and claim issues. Following the
Insurance Carrier's appeals process, a member can request an administrative
review by OEBB. An Administrative Review Request can be made to OEBB if the
member is not satisfied with the outcome after completing the carrier's appeal
process. OEBB staff gathers all information and sets up the file. The OEBB
Contracts Officer will complete an initial review of the file to ensure it is
limited to a determination of whether or not a service or benefit was intended
to be covered under the current contract. The initial review will assess
whether there is documentation contained within the contract or member handbook
relating to the benefit that was denied. If the Administrative Review request
does not meet the specified criteria the Contracts Officer will refer it to the
OEBB Management Team and the member will be notified in writing of the OEBB
Management Team's decision. If the request does meet the specified criteria,
OEBB staff will schedule an Administrative Review Committee meeting. OEBB staff
will notify the member and all applicable parties of the date, time and
location. At the meeting, the Administrative Review Request will be presented
to the Administrative Review Committee. They will consider all documentation
and public comment and make a decision in accordance with the information
presented. The member will be notified in writing of the Administrative Review
Committee's decision. If the decision is an adverse benefit determination, the
notice will include the specific reason(s) for the decision, a reference to the
specific plan provision or OAR on which the determination was based a
description of any additional information required and a description of the
OEBB appeals process.
