41-5904 APPLICABILITY AND SCOPE.
INSURANCE
CHAPTER 59
IDAHO HEALTH CARRIER EXTERNAL REVIEW ACT
41-5904. applicability and scope. [effective january 1, 2010 FOR ALL COVERED PLANS RENEWED ON OR AFTER THIS DATE] (1) Except as provided in subsection (2) of this section, this chapter shall apply to all health carriers’ final adverse benefit determinations which involve an issue of medical necessity or investigational service or supply.
(2) The provisions of this chapter shall not apply to a plan, policy or certificate that provides coverage only for a specified disease, specified accident or accident-only coverage; nor shall this chapter apply to a credit, dental, disability income, hospital indemnity, long-term care insurance, vision care, limited benefit health plans or any other limited supplemental benefit; nor shall this chapter apply to a medicare advantage plan or medicare supplemental policy of insurance, as defined by the director by rule, coverage under a plan through medicare, medicaid, or the federal employees health benefits program, any coverage issued under chapter 55, title 10, of the United States Code and any coverage issued as supplemental to that coverage; nor shall this chapter apply to any coverage issued as supplemental to liability insurance, worker's compensation or similar insurance, automobile medical payment insurance or any insurance under which benefits are payable with or without regard to fault, whether written on a group blanket or individual basis; nor shall this chapter apply to a single employer self-funded employee benefit plan subject to and operated in compliance with the employee retirement income security act of 1974 (ERISA).
(3) The availability or use of external review pursuant to this chapter shall not alter the standard of review used by a court of competent jurisdiction when adjudicating the health carrier’s final adverse benefit determination.