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Insurance

Health Related Department Circular Letters

Circular Letters Index | Insurers - Health Index

The Department issues circular letters to the industry on various issues in order to provide guidance on regulations and clarification on procedures. The letters are a way for the Department to communicate effectively with a broad sector of the industry.

Below are pertinent health related circular letters. To obtain paper copies of Circular Letters, please call the Department's Public Affairs & Research Bureau at (212) 480-5262.

1975 - 1998 | 1999 - present

For the table description, please select this link.

Circular Letter Number and Year Date Issued Status Addressed To Subject Matter HTML PDF
4 (1999) 01/28/1999

All Article 43 Corporations and Public Health Law Article 44 Health Maintenance Organizations

Clarification of Insurer Duties and Responsibilities in the Rate Adjustment Process Pursuant to Insurance Law Section 4308

html pdf
5 (1999) 02/19/1999

All Insurers Licensed to Write Accident & Health Insurance in New York State, Article 43 Corporations and Health Maintenance Organizations

Managed Care Grievance and Utilization Review Appeal Data

html pdf
3 (2000) 01/11/2000

All Licensed Hospital, Medical, and Dental Service or Indemnity Article 43 Corporations and Public Health Law Article 44 Health Maintenance Organizations

New York Supplements to the Annual Statement and Quarterly Statement Electronic Filling Requirements

html pdf
4 (2000) 01/31/2000

All Licensed Fraternal, Life and Accident And Health, Title, Property and Casualty, Reciprocal, Financial Guaranty and Mortgage Guaranty Insurers, Medical Malpractice Insurance Association,  Cooperative Property/Casualty Insurers Operating on the Advance Premium Plan, Assessment Cooperative Companies, The State Insurance Fund, United States Branches, Accredited Reinsurers of the Aforementioned Types of Companies, Hospital, Health, Medical, and Dental Service or Indemnity Article 43 Corporations, and Public Health Law Article 44 Health Maintenance Organizations

Electronic Filing via the Internet of National Form (NAIC) Annual and Quarterly Statements

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6 (2000) 01/27/2000

All Insurance Companies and HMOs Licensed to Write Accident and Health Insurance in New York State

Section 3224 Insurance Law, Prompt Payment of Accident and Health Claims

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9 (2000) 02/29/2000

All Public Health Law Article 44 HMOs Including Insurance Law Article 43 Corporations with a Line of Business HMO Certificate of Authority

Inclusion of IPA Financial Statements in the HMO New York Data Requirements Annual Statement

html pdf
12 (2000) 03/01/2000

All Insurance Companies and HMOs Licensed to Write Accident and Health Insurance in New York State

Section 3224-a Insurance Law and the Use of IPAs (Independent Practice Associations)

html pdf
26 (2000) 08/03/2000

All Public Health Law Article 44 HMOs, Insurance Law Article 43 Corporations, and Insurers Licensed to Write Accident and Health Insurance in New York State

Point-of-Service Products

html pdf
28 (2000)

 

08/22/2000

WITHDRAWN

Effective 09/15/2003

See Circular Letter No. 4 (2003)

All Insurers Authorized to Write Accident and Health Insurance in New York State, Including Article 43 Corporations and Health Maintenance Organizations

Procedural Changes in the Filing Process for Accident and Health Insurance Policy Form and Rate Submissions: Optional "Fast Track" Prior Approval Process

html pdf
31 (2000) 09/28/2000

All Licensed Insurers, Public Health Law Article 44 HMOs, Insurance Law Article 43 Corporations, and Municipal Cooperative Health Benefit Plans

Licensing requirements for Independent Practice Associations (IPAs) and other entities that adjust claims

html pdf
34 (2000) 10/24/2000

All insurers Authorized to Write Accident and Health Insurance in New York State, Including Article 43 Corporations and HMOs.

Update on Implementation of Chapter 728 of the Laws of 1993, Requiring Coverage for Preventive and Primary Care Services

html pdf
2 (2001) 01/26/2001

All Insurers and Fraternal Benefit Societies Licensed to Write Life Insurance and Accident and Health Insurance in New York State, Including Article 43 Corporation

Urine Testing for the Human Immunodeficiency Virus

html pdf
4 (2001) 02/15/2001

All Licensed Fraternal, Life and Accident and Health, Title, Property/Casualty, Reciprocal, Financial Guaranty and Mortgage Guaranty Insurers, Medical Malpractice Insurance Association, Cooperative Property/Casualty Insurers Operating on the Advance Premium Plan, Assessment Cooperative Companies, The State Insurance Fund, United States Branches, Accredited Reinsurers of the Aforementioned Types of Companies, Hospital, Medical, and Dental Service or Indemnity Article 43 Corporations, and Public Health Law Article 44 Health Maintenance Organizations

Electronic Filing via the Internet of National Form (NAIC) and New York Supplement Annual and Quarterly Statements

html pdf
16 (2001) 11/01/2001

All Insurers Authorized to Write Accident and Health Insurance in New York State, Including Article 43 Corporations and HMOs

Additional Information on Implementation of Chapter 728 of the Laws of 1993, Requiring Coverage for Preventive and Primary Care Services

html pdf
23 (2001) 08/27/2001

All Insurers Licensed to Write Accident and Health Insurance, Insurance Law Article 43 Corporations and Public Health Law Article 44 Health Maintenance Organizations ("Insurers")

Claims for Chiropractic Services

html pdf
29 (2001) 09/22/2001

All Insurers Authorized to Write Accident and Health Insurance in New York State, Including Article 43 Corporations and Health Maintenance Organizations

New York Insurance Law Protections for Members of the Reserves Called to Active Duty

html pdf
34 (2001) 11/30/2001

All Insurers Licensed to Write Accident and Health Insurance in New York State, Including Article 43 Corporations

Group Policy Forms for Long Term Care Insurance, Nursing and Home Care Insurance, Nursing Home Insurance Only and Home Care Insurance Only

html pdf
1 (2002) 01/18/2002

All Insurers Licensed To Write Accident And Health Insurance In New York State, Including Article 43 Corporations And Health Maintenance Organizations

Clarification Of Emergency Care Coverage

html pdf
5 (2002) 03/01/2002

All Public Health Law Article 44 HMOs and All Insurers Writing Medicare Supplemental Insurance

Insurance Department Web site

html pdf
15 (2002) 07/01/2002

All Insurers Licensed To Write Accident and Health Insurance In New York State, Including Article 43 Corporations, Health Maintenance Organizations And Insurers Providing Disability Coverage

United States Department of Labor Benefit Claims Procedure Regulation

html pdf
16 (2002) 09/04/2002

All Public Health Law Article 44 Health Maintenance Organizations, Insurance Law Article 43 Corporations, and Insurers Licensed to Write Accident and Health Insurance in New York State ("Insurers")

Rate Distinctions for Medicare Beneficiaries

html pdf
17 (2002) 10/03/2002

All Licensees

Advisory on the Administrative Simplification Provisions of the Health Insurance Portability and Accountability Act of 1996 (HIPAA)

html pdf
20 (2002) 10/31/2002

All Insurers Participating In The New York Market Stabilization Pools For Individual And Small Group Health Insurance, Other Than Medicare Supplement Insurance

Reporting And Calculation Requirements

html pdf
21 (2002) 10/31/2002

All Insurers Participating In The New York Market Stabilization Pools For Medicare Supplement Insurance

Reporting And Calculation Requirements

html pdf
24 (2002) 11/01/2002

All Public Health Law Article 44 Health Maintenance Organizations and Pre-paid Health Service Plans, Insurance Law Article 43 Corporations and other insurers ("Insurers") eligible to participate in the New York State Child Health Insurance Plan ("Plan")

Child Health Insurance Plan Premium Rate Adjustment Applications

html pdf
27 (2002) 12/18/2002

All Insurers Licensed to Write Accident and Health Insurance in New York State, Including Article 43 Corporations and Health Maintenance Organizations

Chapter 557 of the Laws of 2002 (Accident and Health Insurance Coverage Issued to or Through Association and Chamber Groups)

html pdf
1 (2003) 01/31/2003

All Insurers Licensed To Write Accident and Health Insurance In New York State (“Commercial Insurers”), Article 43 Corporations, and Health Maintenance Organizations

Women’s Health and Wellness Act of 2002

html pdf
3 (2003) 02/19/2003

All Insurers Licensed to Write Accident and Health Insurance in New York State ("Commercial Insurers"), Article 43 Corporations and Health Maintenance Organizations

New York State Small Business Health Insurance Partnership Program (NYSHIPP)

html pdf
4 (2003) 09/15/2003

All Insurers Authorized to Write Accident and Health Insurance in New York State, Including Article 43 Corporations and Health Maintenance Organizations ("Insurers")

Procedural Changes in the Filing Process for Accident and Health Insurance Policy Form and Rate Submissions: Optional Process for Expedited Prior Approval with Certification

html pdf
7 (2003) 03/07/2003

All Insurers Authorized to Write Accident and Health Insurance in New York State, Including Article 43 Corporations and Health Maintenance Organizations

New York Insurance Law Protections for Members of the Reserves, Including National Guard, Called to Active Duty

html pdf
Supplement 1 to CL 27 (2002) 03/31/2003

All Insurers Authorized to Write Accident and Health Insurance in New York State, Including Article 43 Corporations and Health Maintenance Organizations

Additional Guidance for the Implementation of the Provisions of Chapter 557 of the Laws of 2002 (Accident and Health Insurance Coverage  Issued to or through Association and Chamber Groups) (PDF Format only)

html pdf
16 (2003) 09/16/2003

All Health Insurers Licensed to Write Accident And Health Insurance in New York State ("Commercial Insurers"), Article 43 Corporations and Health Maintenance Organizations

Health Insurer’s Obligation in the Administration of Benefits for Covered Persons Receiving Services Under the New York State Early Intervention Program

html pdf
1 (2004) 02/27/2004

All carriers participating in the New York market stabilization pools for individual and small group health insurance, other than Medicare Supplement Insurance

Regulation 146 Individual and Small Group Health Insurance Market Stabilization Pools

html pdf
4 (2004) 07/09/2004

All Insurers Licensed to Write Accident and Health Insurance in New York State ("Commercial Insurers"), Article 43 corporations and Health Maintenance Organizations

Health Savings Accounts and High Deductible Health Plans

html pdf
9 (2004) 10/20/2004

All Insurers Authorized to Write Accident and Health Insurance in New York State, Including Article 43 Corporations and Health Maintenance Organizations (“Insurers”)

Implementation of Electronic Rates and Forms Filings Using the System for Electronic Rate and Form Filings (SERFF)

html pdf
4 (2005) 03/02/2005

All Insurers Licensed to Write Accident and Health Insurance in New York State (“Commercial Insurers”), Article 43 Corporations and Health Maintenance Organizations

National Medical Support Notice

html pdf
5 (2005) 04/13/2005

All Insurers Licensed to Write Accident and Health Insurance in New York State (“Commercial Insurers”), Article 43 Corporations, Health Maintenance Organizations, Municipal Cooperative Health Benefit Plans, Fraternal Benefit Societies, and Continuing Care Retirement Communities

Contact and Product Information for Health Bureau Inquiries

html pdf
7 (2005) 03/24/2005

All Insurers Licensed to Write Accident and Health Insurance in New York State (“Commercial Insurers”), Article 43 Corporations and Health Maintenance Organizations

Explanation of Benefits (EOB) Requirements

html pdf
13 (2005) 08/24/2005

All Health Maintenance Organizations and Article 43 Corporations

Section 4308(g) Notices of Premium Rate Increases Sent To Subscribers

html pdf
18 (2005) 10/18/2005

All Insurers Licensed to Write Accident and Health Insurance in New York State, Article 43 Corporations, and Health Maintenance Organizations

Medicare Part D

html pdf
23 (2005)

 

11/30/2005

WITHDRAWN

Effective 04/03/2007

See Circular Letter No. 6 (2007)

All accident and health insurers, and Article 43 corporations; employee welfare funds; licensed Public Health Law Article 44 health maintenance organizations and integrated delivery systems, municipal cooperative health benefit plans

Disaster Planning, Preparedness and Response

html pdf
2 (2006) 01/27/2006

The following Managed Care Organizations (MCOs)-All health maintenance organizations (HMOs); special purpose health maintenance organizations, also known as prepaid health services plans ( PHSPs); comprehensive HIV special needs plans (HIV SNPs) and managed long term care plans (MLTCPs)

Required Escrow Deposits

html pdf
7 (2006) 03/28/2006

All Licensed Health Insurance Producers

Medicare Part D Marketing

html pdf
13 (2006) 05/10/2006

All Insurers Licensed to Write Accident and Health Insurance in New York State ("Commercial Insurers"), Article 43 Corporations and Health Maintenance Organizations (HMOs)

Coverage for Preventive and Primary Care Services

html pdf
14 (2006) 06/30/2006

All Insurers Authorized to Write Accident and Health Insurance, Life Insurance, and Annuities in New York State ("Commercial Insurers"), Article 43 Corporations, and Health Maintenance Organizations ("HMOs")

Discretionary Clauses in Accident and Health (including Disability Income) Insurance Policies, Life Insurance Policies, Annuity Contracts and Subscriber Contracts

html pdf
Supplement No. 2 to Circular Letter No. 27 (2002) 07/31/2006

All Insurers Licensed To Write Accident and Health Insurance in New York State, Including Article 43 Corporations and Health Maintenance Organizations

Additional Guidance for the Implementation of the Provisions of Chapter 557 of the Laws of 2002 (Accident and Health Insurance Coverage Issued to or Through Association and Chamber Groups) as amended by Chapter 201 of the Laws of 2006 (Limiting the Premium Rate for Health Insurance Contracts for Sole Proprietors)

html pdf
22 (2006) 11/15/2006

All Insurers, Other than Article 43 Corporations and Article 44 HMOs, Licensed to Write Accident and Health Insurance in New York State

Rate Modifications for Accident and Health Insurance Statutory Conversion Coverage

html pdf
23 (2006) 11/27/2006

All Insurers Licensed To Write Accident and Health Insurance In New York State, Article 43 Corporations and Health Maintenance Organizations (HMOs)

Chapter 551 of the Laws of 2006

html pdf
24 (2006) 12/29/2006

All Insurers Licensed to Write Accident and Health Insurance in New York State ("Commercial Insurers"), All Authorized Property/Casualty Insurers and All Insurance Producer Organizations

Travel Insurance

html pdf
2 (2007)

02/08/2007

All Insurers authorized to write motor vehicle insurance and workers' compensation insurance in New York State, the New York Automobile Insurance Plan (NYAIP) and all Insurers licensed to write Accident and Health Insurance in New York State, Article 43 Corporations and Health Maintenance Organizations

Reporting of the SIU Annual Report to the Insurance Frauds Bureau

html pdf
3 (2007)

02/02/2007  

All Insurers Licensed to Write Accident and Health Insurance in New York State, Article 43 Corporations and Health Maintenance Organizations

Chapter 748 of the Laws of 2006 ("Timothy's Law")

html pdf

Supplement No. 1 to CL No. 3 (2007)

02/26/2007  

All Insurers Licensed to Write Accident and Health Insurance in New York State, Article 43 Corporations and Health Maintenance Organizations

Chapter 748 of the Laws of 2006 ("Timothy's Law")

html pdf
6 04/03/2007

WITHDRAWN

Effective 02/22/2008

 

All accident and health insurers, and Article 43 corporations; employee welfare funds; licensed Public Health Law Article 44 health maintenance organizations and integrated delivery systems, municipal cooperative health benefit plans

Disaster Planning, Preparedness and Response

html pdf
12 (2007) 10/19/2007

All Insurers Licensed to Write Accident and Health Insurance in New York State, Article 43 Corporations and Health Maintenance Organizations ("HMOs")

Submission of Information for Loss Ratio Reports Filed Pursuant to Section 3231(e)(2)(B) or Section 4308(h)(1) of the Insurance Law

html pdf
Supplement No. 2 to CL No. 3 (2007) 10/29/2007

All Insurers Licensed to Write Accident and Health Insurance in New York State, Article 43 Corporations and Health Maintenance Organizations

Chapter 748 of the Laws of 2006 ("Timothy's Law")

html pdf
14 (2007) 12/14/2007

All Insurers Licensed to Write Accident and Health Insurance in New York State

Pre-existing condition provisions in group and blanket disability policies

html pdf
Supplement No. 1 to Circular Letter No. 5 (2005) 02/06/2008

All Insurers Authorized to Write Accident and Health Insurance in New York State ("Commercial Insurers"), Article 43 Corporations, Health Maintenance Organizations, Municipal Cooperative Health Benefit Plans, Fraternal Benefit Societies, and Continuing Care Retirement Communities.

Contact and Product Information for Health Bureau Inquiries

Contact Questionnaire form

html

html

pdf

word | pdf

2 (2008) 02/04/2008

WITHDRAWN

Effective 03/31/2009

See Circular Letter No. 7 (2009)

All accident and health insurers, Article 43 corporations; employee welfare funds; licensed Public Health Law Article 44 health maintenance organizations and integrated delivery systems, municipal cooperative health benefit plans.

Disaster Planning, Preparedness and Response

html pdf
Supplement No. 1 to Circular Letter No. 14 (2007) 02/27/2008

All Insurers Licensed to Write Accident and Health Insurance in New York State

Pre-existing condition provisions and elimination period provisions in group and blanket disability policies

html pdf
Supplement No. 1
to Circular Letter No. 12 (2007)
03/12/2008

All Insurers Licensed to Write Accident and Health Insurance in New York State, Article 43 Corporations and Health Maintenance Organizations (“HMOs”)

Submission of Information for Loss Ratio Reports Filed Pursuant to Section 3231(e)(2)(B) or Section 4308(h)(1) of the Insurance Law

html pdf
7 (2009) 03/31/2009

All accident and health insurers, Article 43 corporations; employee welfare funds; licensed Public Health Law Article 44 health maintenance organizations and integrated delivery systems, municipal cooperative health benefit plans.

Disaster Planning, Preparedness and Response

html pdf
10 04/08/2009

All insurers authorized to write accident and health insurance in New York, Article 43 corporations, and health maintenance organizations (collectively, "insurers")

Consolidated Omnibus Budget Reconciliation Act (COBRA) health insurance premium assistance pursuant to the federal American Recovery and Reinvestment Act of 2009 (ARRA), and the special election period for state continuation coverage required by Chapter 7 of the New York State Laws of 2009

html pdf
17 07/15/2009

All Insurers Licensed to Write Accident and Health Insurance in New York State, Article 43 Corporations (“Insurers”) and Health Maintenance Organizations (“HMOs”)

Submission of Information for Loss Ratio Reports Filed Pursuant to New York Insurance Law § 3231(e)(2)(B) or 4308(h)(1)

html pdf
20 09/10/2009

All Insurers Authorized to Write Accident and Health Insurance in New York State, Article 43 Corporations, and Health Maintenance Organizations (“HMOs”) (collectively, “insurers”)

Impact of the Paul Wellstone and Pete Dominici Mental Health Parity and Addiction Equity Act of 2008

html pdf
22 09/30/2009

All Insurers Licensed to Write Accident and Health Insurance in New York State including Article 43 Corporations, Article 45 Corporations, Article 47 Corporations and Health Maintenance Organizations (collectively, “insurers”)

Health Insurance Coverage for Unmarried Young Adults through Age 29 (Chapter 240 of the Laws of 2009)

html pdf
23 09/30/2009

All Insurers Authorized to Write Accident and Health Insurance in New York, Article 43 Corporations, Article 45 Corporations, Article 47 Corporations and Health Maintenance Organizations (collectively, “insurers”)

Thirty-Six Month State Continuation Benefit Required by Chapter 236 of the Laws of 2009

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