extra-territorial insurance mandates

[Guest bayarea1]

Does anyone know of a source for extra-territorial insurance mandates by state? I'm hoping to find some type of matrix that might indicate which/all state mandates apply and to which states.

Thanks in advance!

[KIP KRAUS]

What is your purpose? Do you have employees in many states? If you don’t have many states you may just want to go to the state insurance web sites and find the information and create your own matrix.

If your medical plan is insured by a commercial insurer they can get this information for you. If you are self-insured you probably don’t need it.

[mroberts]

I agree with Kip. What's driving this request? From underwriting experience, the states with the most extraterritorial regulations are Texas, Florida and Mississippi.

[Kirk Maldonado]

mroberts:

Being a Californian, I had assume that California would be the worst offender. Is that an incorrect assumption?

[mroberts]

For state laws in general, California would probably be up there. For insurance matters, however, California does not have a lot of extra-territorial issues. They have a state mandated disability plan and that new paid FMLA plan, but that's a little different than what I interpreted the poster's question to be. You have to follow state law in every state when it comes to wages, taxes, worker's comp........

What I thought he was asking is if I have a medical or dental policy issued in Illinois, what needs to be changed if I have employees in different states. That's usually what is being asked when someone mentions extra-territorial and insurance in the same sentence. Most states let the policy in which the contract was written in govern. However, certain states like Florida and Texas have their own laws that may require the insurance contract to be altered.

[Guest Milton Wright]

Hawaii probably deserves at least honorable mention (dishonorable mention?) on that list. Not only do out-of-state medical plans have to comply with state law, but the state mandates also apply to self-insured plans. National employers stub their toes on that one from time to time.