Pennsylvania Insurance coverage Commissioner Receives Excellence in Client Advocacy Award – Pennsylvania Pressroom

August 17, 2022 By admin

Harrisburg, PA – The Pennsylvania Insurance coverage Division is happy to announce that shopper representatives appointed by the Nationwide Affiliation of Insurance coverage Commissioners (NAIC), who signify insurance coverage shoppers at NAIC occasions, awarded Insurance coverage Commissioner Jessica Altman with the Client Representatives’ Excellence in Client Advocacy award for her work on behalf of insurance coverage shoppers on the NAIC fall nationwide assembly.
Annually, the NAIC Client Participation Board of Trustees appoints particular person candidates from organizations searching for to advertise shopper pursuits in insurance coverage rules to function NAIC shopper representatives. An "NAIC shopper consultant" is a person who participates within the NAIC Client Participation Program, which promotes shopper exercise and participation within the NAIC deliberation course of. It’s this group that introduced Commissioner Altman with the award.
"I’m very honored to obtain this award in acknowledgement of the patron advocacy work the Pennsylvania Insurance coverage Division has executed and continues to do," stated Commissioner Altman. "I wish to thank the patron advocates for therefore strongly and persistently advocating for shoppers and I wish to thank the devoted people on the division who not solely advocate for all Pennsylvanians, however persistently attempt to advance our communication channels and establish extra pathways to be extra inclusive."
The Commonwealth of Pennsylvania is the fifth largest insurance coverage market in the US, when it comes to premium quantity, and the 14th largest insurance coverage market on the earth. Via Altman’s management within the NAIC’s Well being Insurance coverage and Managed Care (B) Committee and the Particular (EX) Committee on Race and Insurance coverage, she has performed a serious function in shifting ahead the well being reform agenda of the NAIC and prioritizing fairness and advancing racial justice.  She has additionally been a tireless advocate, each on the state and nationwide stage, for a significant function for state regulators in shaping the way forward for medical insurance regulation. 
Serving as each chair and vice chair of the (B) Committee, Commissioner Altman has overseen the NAIC’s duties within the implementation of the Reasonably priced Care Act, the American Rescue Plan Act, the No Surprises Act, and different vital federal legal guidelines. Her employees has additionally led a number of initiatives underneath the Market Regulation and Client Affairs (D) Committee, together with efforts so as to add short-term restricted period insurance coverage to the market conduct annual assertion. All through these efforts, she and her staff have persistently ensured that the issues of shoppers are represented and addressed.
Underneath the management of Commissioner Altman, the insurance coverage division has labored tirelessly to drive the uninsured fee right down to historic lows in Pennsylvania. Commissioner Altman helped safe bipartisan laws to ascertain the state’s medical insurance market, Pennie™, and created a reinsurance program that has stabilized premiums for Pennsylvania shoppers. Past medical insurance, her management and dedication to shopper training led to a big enhance within the variety of non-public flood insurance coverage market insurance policies in Pennsylvania and she or he helped safe stronger annuity suitability requirements to raised shield shoppers and seniors.
The Pennsylvania Insurance coverage Division, in an ongoing effort to fight opioid dependancy and psychological well being stigma, proceed to teach shoppers and suppliers on the Psychological Well being Parity and Habit Fairness Act (MHPAEA), which was adopted into state regulation.
"The Reasonably priced Care Act and the Psychological Well being Parity and Habit Fairness Act assure that well being plans and insurers provide psychological well being and substance use dysfunction advantages which are corresponding to their protection for normal medical and surgical care," stated Insurance coverage Commissioner Jessica Altman. "Nevertheless, the target of parity can solely be absolutely realized if well being plans are implementing it accurately, shoppers and suppliers perceive it, and there may be correct oversight."
The Pennsylvania Insurance coverage Division presently evaluations all particular person, small and enormous group insurance policies to make sure these insurance policies comprise all state and federal coverage necessities, together with psychological well being parity.
Violations of MHPAEA, and different offenses, are recognized throughout the division’s market conduct examinations. These exams have recovered tens of 1000’s of {dollars} in restitution for shoppers from claims wrongly denied and curiosity on delayed funds. As well as, firms have collectively acquired greater than $1,000,000 in fines and penalties.
The division takes these violations significantly and encourages shoppers who consider their well being plans usually are not in compliance with parity necessities for psychological well being and substance use dysfunction protection, or who’ve questions on the advantages to which they’re entitled, are urged to contact the Insurance coverage Division’s Bureau of Client Providers.
The Nationwide Affiliation of Insurance coverage Commissioners (NAIC) is the U.S. standard-setting and regulatory help group created and ruled by the chief insurance coverage regulators from the 50 states, the District of Columbia and 5 U.S. territories. Via the NAIC, state insurance coverage regulators set up requirements and greatest practices, conduct peer overview, and coordinate their regulatory oversight.