62D.101 CONTINUATION AND CONVERSION PRIVILEGES FOR FORMER SPOUSES
Subdivision 1. Termination of coverage.
No health maintenance contract which, in addition
to covering an enrollee, also covers the enrollee's spouse shall contain a provision for termination
of coverage for a spouse covered under the health maintenance contract solely as a result of
a break in the marital relationship.
Subd. 2. Conversion privilege.
Every health maintenance contract, as described in
subdivision 1 shall contain a provision allowing a former spouse and dependent children of
an enrollee, without providing evidence of insurability, to obtain from the health maintenance
organization at the expiration of any continuation of coverage required under subdivision 2a or
, an individual health maintenance contract providing at least the
minimum benefits of a qualified plan as prescribed by section
and the option of a number
three qualified plan, a number two qualified plan, a number one qualified plan as provided by
62E.06, subdivisions 1 to 3
, provided application is made to the health maintenance
organization within 30 days following notice of the expiration of the continued coverage and upon
payment of the appropriate fee. A contract providing reduced benefits at a reduced fee may be
accepted by the former spouse and dependent children in lieu of the optional coverage otherwise
required by this subdivision. The individual health maintenance contract shall be renewable
at the option of the former spouse as long as the former spouse is not covered under another
qualified plan as defined in section
62E.02, subdivision 4
. Any revisions in the table of rate for the
individual contract shall apply to the former spouse's original age at entry and shall apply equally
to all similar contracts issued by the health maintenance organization.
Subd. 2a. Continuation privilege.
Every health maintenance contract as described in
subdivision 1 shall contain a provision which permits continuation of coverage under the contract
for the enrollee's former spouse and children upon entry of a valid decree of dissolution of
marriage. The coverage shall be continued until the earlier of the following dates:
(a) the date the enrollee's former spouse becomes covered under another group plan or
(b) the date coverage would otherwise terminate under the health maintenance contract.
If coverage is provided under a group policy, any required premium contributions for the
coverage shall be paid by the enrollee on a monthly basis to the group contract holder to be paid to
the health maintenance organization. The contract must require the group contract holder to, upon
request, provide the enrollee with written verification from the insurer of the cost of this coverage
promptly at the time of eligibility for this coverage and at any time during the continuation period.
In no event shall the fee charged exceed 102 percent of the cost to the plan for the period of
coverage for other similarly situated spouses and dependent children when the marital relationship
has not dissolved, regardless of whether the cost is paid by the employer or employee.
Subd. 3. Application.
Subdivision 1 applies to every health maintenance contract which is
delivered, issued for delivery, renewed or amended on or after July 19, 1977.
Subdivisions 2 and 2a apply to every health maintenance contract which is delivered, issued
for delivery, renewed, or amended on or after March 1, 1983.
History: 1977 c 186 s 3; 1982 c 555 s 10; 1982 c 642 s 16; 1984 c 464 s 27,28; 1988 c 434
s 7; 1990 c 403 s 10; 1992 c 564 art 4 s 10