Regulatory Bulletin 2019-01

Use of Credits and Premium Rebates in the Health Insurance Market 


Regulatory Bulletin 2018-02

2018 Arizona Insurance Laws

Health Insurance Telemarketers Annoy; Pose Fraud Risks

Phoenix, AZ—The Arizona Department of Insurance (ADOI) wants to make citizens aware of scams involving aggressive telemarketers attempting to sell health insurance plans and, in some cases, attempting to gain personal and financial information possibly for criminal purposes.

The ADOI has received complaints from people who received multiple phone calls, robocalls, and text messages claiming to be from the National Health Enrollment Center, the Healthcare Enrollment Center and from Healthcare.gov. Some people report that they were contacted multiple times a day, sometimes from different phone numbers, despite requests to be placed on the companies' do-not-call lists. Additionally, some people report having been asked to provide health insurance enrollment information, including such information as address, date of birth, social security number, and personal health information that, in the wrong hands, could be used in identity theft or other fraud schemes.

Arizona citizens who have received persistent phone calls or text messages from these or other callers attempting to sell them health insurance are encouraged to file a complaint with:

Federal Trade Commission (FTC)

Arizona Department of Insurance Consumer Protection Division

  • Visit https://insurance.az.gov/consumers
  • Or call the ADOI’s Consumer Protection Hotline at 602-364-2499, or 1-800-325-2548 if calling within Arizona but outside Maricopa County.

We can all take steps to avoid becoming victims of fraud.

  • Never provide someone who calls you with your bank account number, your social security number, your credit card number, or your personal health information. If you are asked to provide this information, hang up.
  • Research the insurance agent and insurance company you are considering using by finding their license information through the ADOI’s License Search webpage (https://insurance.az.gov/license-search), and use contact information in the license record to contact them. Be skeptical and do research.
  • For information about insurance available from Health Insurance Marketplace, visit the Healthcare.gov website or call Healthcare.gov directly at 1-800-318-2596. The Arizona Department of Insurance is a state agency dedicated to protecting Arizona citizens and businesses by promoting a safe, strong, innovative and competitive insurance marketplace.

The Arizona Department of Insurance is a state agency dedicated to protecting Arizona citizens and businesses by promoting a safe, strong, innovative and competitive insurance marketplace.

Arizona Sample Notice of Continuation Coverage (Mini-COBRA)

Pursuant to ARS § 20-2330, a health benefits plan issued or renewed after December 31, 2018, must allow an enrollee and any qualified dependent to continue coverage after a qualifying event.  The law requires a small employer (with an average of at least 1 but fewer than 20 employees) to notify an enrollee in writing of the right of the enrollee and any qualified dependents to continue coverage under the employer's health benefits plan upon an enrolee's qualifying event.  Pursuant to Subsection C of the law, the Department has prepared a sample notice of coverage continuation form and is making the sample available on its website.  A small employer that uses, properly completes, and timely issues the Department's form is presumed to satisfy notification requirements.  On January 23, 2019, the Department uploaded a new version of the form.

Circular Letter 2000-11

Adjusters' Scope of Authority; Insurers' Obligations When Insured is Represented by Adjuster

Regulatory Bulletin 2002-09

Promulgation of loss ratio standards and prima facie rates for Credit Unemployment Insurance and Credit Property Insurance

Circular Letter 2000-12

Enforcement of Gramm-Leach-Bliley Privacy Requirements

Regulatory Bulletin 2003-01

Premium Loans by Bail Bond Agents

Circular Letter 2000-13

Health Care Appeals Laws Revisions from HB 2600 and SB 1330

Regulatory Bulletin 2003-02

Revision of Private Passenger Automobile Property Damage Threshold For Purposes Of A.R.S. § 20-1631(E)

Circular Letter 2000-14

Life Health Advertising

Regulatory Bulletin 2003-04

Property and Casualty Insurance; Insurance Protection For Policyholders Who Have Been Deployed For Military Duty; Coverage Continuation and/or Coverage Suspension.

Guidance Document 20010621

Product Regulation Reform of 2001

Regulatory Bulletin 2003-03

Revision of Form for Selection of Limits or Rejection of Uninsured Motorist or Underinsured Motorist Coverage

Circular Letter 2000-15

Timely Pay and Grievance Law

Regulatory Bulletin 2003-05

AIDS/HIV Testing and Consent Form; Release of Related Information

Regulatory Bulletin 2003-06

Licensure as Title Insurance Agent and as Escrow Agent

Regulatory Bulletin 2003-07

A.R.S. §20-443(A)(6) -Prohibition Against Referring to the Arizona Insurance Guaranty Funds in Connection with the Sale of Insurance Policies

Regulatory Bulletin 2001-01

Revision of Property Damage Threshold For Purposes Of A.R.S. § 20-1631(E)

Regulatory Bulletin 2003-08

2003 Arizona Insurance Laws

Regulatory Bulletin 2001-02

Revision of Fee Schedule

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