Policy and Advertisement Form General Guidelines
Rates and Forms Section
NOTE: Idaho Insurance Code is regulated under Title 41. Idaho Insurance Rules are listed under IDAPA.18.01.The following is a current list of the Departments guidelines for filing group and individual disability forms, including advertising.
- Each form filed must have a form number located in the lower left corner of the first page. This number shall be unique to that form. Each endorsement, rider, amendment, and application is considered a separate form.
- All forms must include the full and complete name of the insurance company and facsimile signature of companys authorizing officer.
- All form filings must include, along with the cover letter, the ID-FF certification form, applicable checklist and a list of the forms being filed (Bulletin 95-3). By-laws and trust agreements must be included also for association or trust groups along with provider agreements and provider lists, when applicable.
- Forms must be refiled with new form numbers when any language changes have been made. If language from any previously filed endorsement, amendment or rider is incorporated into a filed policy; the policy must be refiled with a new form number. The carrier can then withdraw the endorsement, rider or amendment if they will no longer be utilizing those forms.
- All advertisement forms must reference the complete form number of the policy filed in Idaho (as shown in the lower left corner) and being advertised and the full and complete name of the insurance company.
- All administrators must be licensed according to Idaho Code Chapter 9. The name of the administrator shall not be used in place of the name of the insurance company on any form. A program name may not be used in place of the name of the insurance company but may be used in addition to the insurance companys name.
- All group forms must comply with Idaho Code Chapter 22. Group supplemental coverages must also comply with Rule 30. Group plans that are small employer based, must also comply with Chapter 47 and Rules 69 and 70. In addition, these forms must also comply with Chapter 39 when the forms are managed care.
- All individual forms must comply with Idaho Code Chapter 21 and Rule 30. Idaho Code Chapter 52 and Rules 72 and 73 may also apply to certain forms (e.g. health benefit plans and related forms) filed for use in the individual market. In addition, these forms must also comply with Chapter 39 when the forms are managed care.
- Group and individual long-term care forms must comply with Idaho Code Chapter 46 and Rule 60.
- All Medicare supplement forms must comply with Idaho Code Chapter 44 and Rule 54.
- All disability advertising forms, group and individual, must comply with Rule 24. Medicare supplement advertising must also meet the requirements in Rule 54 and long term care advertisement must meet the requirements of Chapter 60.
- General filing requirements are found in Idaho Code Chapter 18 and Bulletins 85-6 and 95-3.
- Idaho Code Section 41-1812 was amended 7/1/95 to make Idaho a certify and file state. We no longer approve forms, but accept forms on a filed basis if the filing is complete - completed forms and a signed IDFF certification. We reserve the right to review any form we feel needs reviewed. When submitting a filing, you are certifying the forms are in compliance with all applicable Code, Rule, and Bulletin requirements for Idaho. You may begin using the forms the day they are mailed as long as the filing is a complete filing. There is no longer a deemer period since forms are not reviewed for approval (unless otherwise designated by Code).
- Idaho Code Section 41-1812 was amended 7/1/97 to remove informational purposes for filing of out-of-state certificates. All certificates for out-of-state groups must be filed, unless you have requested an exemption. Bulletin 85-6 allows us to request the master policy. For out-of-state filings you must file both the master policy and certificate forms.
- Effective April 9, 2009 for filings submitted by paper there is a $20.00 filing fee for each rate or form in excess of 10 rate or forms filed in a calendar year.
9/98 (Revised 6/19/09)