| (a) In accord with Insurance Code §1301.0055(3),
where necessary to avoid a violation of the network adequacy requirements
of §3.3704 of this title (relating to Freedom of Choice; Availability
of Preferred Providers) in a portion of the state that the insurer
wishes to include in its service area, an insurer may apply for a
waiver from one or more of the network adequacy requirements in §3.3704(f)
of this title. The commissioner may grant the waiver if there is good
cause based on one or more of the criteria specified in this subsection
and may impose reasonable conditions on the grant of the waiver. The
commissioner may find good cause to grant the waiver if the insurer
demonstrates that providers or physicians necessary for an adequate
local market network:
(1) are not available to contract; or
(2) have refused to contract with the insurer on any
terms or on terms that are reasonable.
(b) At a minimum, each waiver an insurer requests must
include either the information specified by paragraph (1) of this
subsection or the information specified by paragraph (2) of this subsection,
as appropriate.
(1) If providers or physicians are available within
the relevant service area for the covered service or services for
which the insurer requests a waiver, the insurer's request for waiver
must include:
(A) a list of the providers or physicians within the
relevant service area that the insurer attempted to contract with,
identified by name and specialty or facility type;
(B) a description of how and when the insurer last
contacted each provider or physician;
(C) a description of any reason each provider or physician
gave for refusing to contract with the insurer;
(D) an estimate of total claims cost savings per year
the insurer anticipates will result from using a local market access
plan instead of contracting with providers located within the service
area, and its impact on premium; and
(E) steps the insurer will take to attempt to improve
its network to make future requests to renew the waiver unnecessary.
(2) If no providers or physicians are available within
the relevant service area for the covered service or services for
which the insurer requests a waiver, the insurer's request for waiver
must state this fact.
(c) At the same time an insurer files a request for
waiver, it must file a local market access plan, as specified in subsection
(i) of this section, to be taken into consideration by the commissioner
in deciding whether to grant or deny a waiver request.
(d) An insurer seeking a waiver under subsection (a)
of this section must electronically file the request with the department
at the Office of the Chief Clerk through the following email address:
chiefclerk@tdi.texas.gov. The insurer must also submit a copy of the
request to any provider or physician named in the waiver request at
the same time the insurer files the request with the department, but
is permitted to redact information from the copy where provision of
the information to the provider or physician would violate state or
federal law. The insurer may use any reasonable means to submit the
copy of the request to the provider or physician. The insurer must
maintain proof of the submission and include a copy of the redacted
version with the waiver request submitted to the department.
(e) Any provider or physician may elect to provide
a response to an insurer's request for waiver by filing the response
within 30 days after the insurer files the request with the department.
The response, if filed, must be filed at the same address specified
in subsection (d) of this section for filing the request for waiver.
(f) If the department grants a waiver under subsection
(a) of this section, the department will post on the department's
website information relevant to the grant of a waiver, including:
(1) the name of the preferred provider benefit plan
for which the request is granted;
(2) the insurer offering the plan; and
(3) the affected service area.
(g) An insurer may apply for renewal of a waiver described
in subsection (a) of this section annually.
(1) Application for renewal of a waiver must be filed
in the manner described in subsection (d) of this section at least
30 days prior to the anniversary of the department's grant of waiver.
(2) At the same time the insurer files an application
for renewal of a waiver, the insurer must file any applicable local
market access plan the insurer uses pursuant to the waiver, in the
manner specified by subsection (i)(2) of this section.
(3) A waiver granted by the department will remain
in effect unless the insurer fails to timely file an annual application
for renewal of the waiver or the department denies the application
for renewal.
(h) A waiver will expire one year after the date the
department granted it if an insurer fails to timely request a renewal
under subsection (g) of this section or if the department denies the
insurer's request for renewal.
(i) If the status of a network utilized in any preferred
provider benefit plan changes so that the health benefit plan no longer
complies with the network adequacy requirements specified in §3.3704
of this title for a specific service area, the insurer must establish
a local market access plan within 30 days of the date on which the
network becomes noncompliant and, within 90 days of the date on which
the network becomes noncompliant, apply for a waiver pursuant to subsection
(a) of this section requesting that the department approve the continued
use of the local market access plan.
(1) The local market access plan must contain all the
information specified in subsection (j) of this section.
(2) The insurer must file the local market access plan
with the department by email at: mcqa@tdi.texas.gov or through the
National Association of Insurance Commissioner's System for Electronic
Rate and Form Filing.
(j) A local market access plan required under subsection
(i) of this section must specify for each service area that does not
meet the network adequacy requirements:
(1) the geographic area within the service area in
which a sufficient number of preferred providers are not available
as specified in §3.3704 of this title, including a specification
of the class of provider that is not sufficiently available;
(2) a map, with key and scale, that identifies the
geographic areas within the service area in which the health care
services, physicians, or providers are not available;
(3) the reason(s) that the preferred provider network
does not meet the adequacy requirements specified in §3.3704
of this title;
(4) procedures that the insurer will utilize to assist
insureds in obtaining medically necessary services when no preferred
provider is reasonably available, including procedures to coordinate
care to limit the likelihood of balance billing; and
(5) procedures detailing how out-of-network benefit
claims will be handled when no preferred or otherwise contracted provider
is available, including procedures for compliance with §3.3708
of this title (relating to Payment of Certain Basic Benefit Claims
and Related Disclosures) and §3.3725 of this title (relating
to Payment of Certain Out-of-Network Claims).
(k) An insurer must establish and implement documented
procedures, as specified in this subsection, for use in all service
areas for which a local market access plan is submitted.
(1) The insurer must utilize a documented procedure
to:
(A) identify requests for preauthorization of services
for insureds that are likely to require the rendition of services
by physicians or providers that do not have a contract with the insurer;
(B) furnish to insureds, prior to the services being
rendered, an estimate of the amount the insurer will pay the physician
or provider; and
(C) except in the case of an exclusive provider benefit
plan, notify insureds that they may be liable for any amounts charged
by the physician or provider that are not paid in full by the insurer.
(2) The insurer must utilize a documented procedure
to:
(A) identify claims filed by nonpreferred providers
in instances in which no preferred provider was reasonably available
to the insured; and
(B) make initial and, if required, subsequent payment
of the claims in the manner required by this subchapter.
(l) A local market access plan may include a process
for negotiating with a nonpreferred provider prior to services being
rendered, when feasible.
(m) An insurer must submit a local market access plan
established pursuant to this section as a part of the annual report
on network adequacy required under §3.3709 of this title (relating
to Annual Network Adequacy Report).
(n) An insurer that is granted a waiver under this
section concerning network adequacy requirements for hospital based
services is required to comply with §3.3705(p) of this title
(relating to Nature of Communications with Insureds; Readability,
Mandatory Disclosure Requirements, and Plan Designations). The insurer
is required to designate such plan as having a "Limited Hospital Care
Network".
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