Insurers must give requested policy and network information to insureds and prospective insureds, and they must not use or share misleading information.
Sec. 1301.158. INFORMATION CONCERNING PREFERRED PROVIDER BENEFIT PLANS. (a) In this section, "prospective insured" means: (1) for group coverage, an individual or an individual's dependent who is eligible for coverage under a health insurance policy issued to the group; or (2) for individual coverage, an individual or an individual's dependent who is eligible for coverage and who has expressed an interest in purchasing an individual health insurance policy. (b) An insurer shall provide to a current or prospective group contract holder or current or prospective insured on request an accurate written description of the terms of the health insurance policy to allow the current or prospective group contract holder or current or prospective insured to make comparisons and an informed decision before selecting among health care plans. The description must be in a readable and understandable format as prescribed by the commissioner and must include a current list of preferred providers. The insurer may satisfy this requirement by providing its handbook if: (1) the handbook's content is substantively similar to and achieves the same level of disclosure as the written description prescribed by the commissioner; and (2) the current list of preferred providers is provided. (c) An insurer or an agent or representative of an insurer may not use or distribute, or permit the use or distribution of, information for prospective insureds that is untrue or misleading. (d) An insurer shall provide to an insured on request information on: (1) whether a physician or other health care provider is a participating provider in the insurer's preferred provider network; (2) whether proposed health care services are covered by the health insurance policy; (3) what the insured's personal responsibility will be for payment of applicable copayment or deductible amounts; and (4) coinsurance amounts owed based on the provider's contracted rate for in-network services or the insurer's usual and customary reimbursement rate for out-of-network services. Added by Acts 2003, 78th Leg., ch. 1274, Sec. 3, eff. April 1, 2005. Amended by: Acts 2007, 80th Leg., R.S., Ch. 997 (S.B. 1731), Sec. 14, eff. September 1, 2007.