Short-Term Limited Duration Insurance
The Departments of Health and Human Services, Labor and the Treasury issued a final rule on Short-Term Limited Duration Insurance on Aug. 1, 2018. The rule allows for the sale and renewal of short-term, limited-duration plans that cover longer periods than the previous maximum period of less than three months. This coverage is now expanding the timeframe that consumers can be covered from three months to "less than 12 months" or 364 days and allows these plans to be renewable up to 36 months. The rule now requires carriers to include specific consumer disclosure information in their insurance plans, but the plans are not required to comply with ACA requirements regulating individual health insurance coverage and can provide coverage for people transitioning between different coverage options, like individuals who are between jobs or a student taking time off from school. Click here to read the Final Rule.
PA Insurance Department Issues Warnings on Short-Term Plans
PA Insurance Department (PID) Commissioner Jessica Altman announced that insurers who currently sell or plan to sell short-term, limited-duration insurance (STLD) plans in Pennsylvania must file or re-file their plans to comply with a new federal rule released Aug. 3. Altman also cautioned consumers about STLD insurance and other limited-benefit plans that may be deceptively marketed as comprehensive coverage. The Trump Administration's recently finalized rule eases restrictions on STLD insurance plans by expanding the timeframe that consumers can be covered from three months to "less than 12 months" or 364 days, and by allowing these plans to be renewable up to 36 months. The rule now requires carriers to include specific consumer disclosure information in their insurance plans. PID will be reviewing STLD insurance plan filings to assure they comply with state law as well as the consumer disclosure information required by the new federal rule, which goes into effect on Oct. 2.
PA Supreme Court Rules in Favor of Direct Care Worker Order
Pennsylvania's Supreme Court has ruled to allow a February 2015 executive order by Gov. Tom Wolf concerning home care workers to stand. The governor had said the order was aimed at improving care and working conditions, but opponents of the order said it was a stealth attempt to unionize such workers, who care for elderly or disabled individuals directly in their homes. The roughly 20,000 workers under the order care for people in their homes and in some instances are related to the person they are caring for. They aren't state workers, though they are paid through various programs funded by Medicaid dollars and run through the Office of Long Term Living of the Department of Human Services.
Navigator and CAC Updates
The Centers for Medicare and Medicaid Services (CMS) released Enrollment Assister Bulletin 2018-01 outlining guidance for the 2019 Navigator and certified application counselor (CAC) Training:
- CACs should not take the 2019 CAC Training until your organization's certified application counselor designated organization (CDO) agreement has been approved and your organization receives the new CDO number
- If your current CAC certification expires before you complete the 2019 training, CACs in good standing may continue to assist consumers while awaiting their new CAC ID number
- The 2019 training is new and it will take approximately 6-7 hours to complete the required web-based portion which will cover: Marketplace Assister Essentials; Privacy, Security and Fraud Prevention Standards; Affordable Care Act Basics; and the Training Overview
- The new CAC/CDO agreements will expire two years from the date of execution and will need to be reviewed
- Current Navigator certifications will expire on September 12; new numbers will be issued after 2018-2019 Navigator grantees are announced
If you need the status on your CAC/CDO application, email CACQuestions@cms.hhs.gov. For other questions, please contact Tia Whitaker, statewide director, outreach and enrollment.