Advisory Letter 2020-02: SMALL GROUP COVERAGE OF HUSBAND-AND-WIFE GROUPS UNDER THE LOUISIANA INSURANCE CODE
Advisory Letter 2020-02: SMALLGROUPCOVERAGEOFHUSBAND-AND-WIFEGROUPSUNDERTHELOUISIANAINSURANCECODE
Advisory Letter 2020-02 describes the requirements of the Louisiana Insurance Code in determining the group status of husband-and-wife groups. These employers can satisfy the definition of “small employer” for purposes of determining eligibility for group coverage under the Code. For such small group policies, the guaranteed availability and guaranteed renewability provisions of the Insurance Code are applicable unless otherwise excepted. Advisory Letter 2020-02 explains the reasoning behind this determination and describes how health insurance issuers must treat these groups under the Code. Advisory Letter 2020-02 can be foundhere.
Okay, so what does that mean in light of Blue Cross’ most recent Team Approach?