As used in the Health Insurance Portability Act:
A. "affiliation period" means a period that must expire before health insurance coverage offered by a health maintenance organization becomes effective;
B. "beneficiary" means that term as defined in Section 3(8) of the federal Employee Retirement Income Security Act of 1974;
C. "bona fide association" means an association that:
(1) has been actively in existence for five or more years;
(2) has been formed and maintained in good faith for purposes other than obtaining insurance;
(3) does not condition membership in the association on any health status related factor relating to an individual, including an employee or a dependent of an employee;
(4) makes health insurance coverage offered through the association available to all members regardless of any health status related factor relating to the members or individuals eligible for coverage through a member; and
(5) does not offer health insurance coverage to an individual through the association except in connection with a member of the association;
D. "church plan" means that term as defined pursuant to Section 3(33) of the federal Employee Retirement Income Security Act of 1974;
E. "COBRA" means the federal Consolidated Omnibus Budget Reconciliation Act of 1985;
F. "COBRA continuation provision" means:
(1) Section 4980 of the Internal Revenue Code of 1986, except for Subsection (f)(1) of that section as it relates to pediatric vaccines;
(2) Part 6 of Subtitle B of Title 1 of the federal Employee Retirement Income Security Act of 1974 except for Section 609 of that part; or
(3) Title 22 of the federal Health Insurance Portability and Accountability Act of 1996;
G. "creditable coverage" means, with respect to an individual, coverage of the individual pursuant to:
(1) a group health plan;
(2) health insurance coverage;
(3) Part A or Part B of Title 18 of the Social Security Act;
(4) Title 19 of the Social Security Act except coverage consisting solely of benefits pursuant to Section 1928 of that title;
(5) 10 USCA Chapter 55;
(6) a medical care program of the Indian health service or of an Indian nation, tribe or pueblo;
(7) the Medical Insurance Pool Act [Chapter 59A, Article 54 NMSA 1978];
(8) a health plan offered pursuant to 5 USCA Chapter 89;
(9) a public health plan as defined in federal regulations; or
(10) a health benefit plan offered pursuant to Section 5(e) of the federal Peace Corps Act;
H. "employee" means that term as defined in Section 3(6) of the federal Employee Retirement Income Security Act of 1974;
I. "employer" means:
(1) a person who is an employer as that term is defined in Section 3(5) of the federal Employee Retirement Income Security Act of 1974, and who employs two or more employees; and
(2) a partnership in relation to a partner pursuant to Section 59A-23E-17 NMSA 1978;
J. "employer contribution rule" means a requirement relating to the minimum level or amount of employer contribution toward the premium for enrollment of participants and beneficiaries;
K. "enrollment date" means, with respect to an individual covered under a group health plan or health insurance coverage, the date of enrollment of the individual in the plan or coverage or, if earlier, the first day of the waiting period for enrollment;
L. "excepted benefits" means benefits furnished pursuant to the following:
(1) coverage only accident or disability income insurance;
(2) coverage issued as a supplement to liability insurance;
(3) liability insurance;
(4) workers' compensation or similar insurance;
(5) automobile medical payment insurance;
(6) credit-only insurance;
(7) coverage for on-site medical clinics;
(8) other similar insurance coverage specified in regulations under which benefits for medical care are secondary or incidental to other benefits;
(9) the following benefits if offered separately:
(a) limited scope dental or vision benefits;
(b) benefits for long-term care, nursing home care, home health care, community-based care or any combination of those benefits; and
(c) other similar limited benefits specified in regulations;
(10) the following benefits, offered as independent noncoordinated benefits:
(a) coverage only for a specified disease or illness; or
(b) hospital indemnity or other fixed indemnity insurance; and
(11) the following benefits if offered as a separate insurance policy:
(a) medicare supplemental health insurance as defined pursuant to Section 1882(g)(1) of the Social Security Act; and
(b) coverage supplemental to the coverage provided pursuant to Chapter 55 of Title 10 USCA and similar supplemental coverage provided to coverage pursuant to a group health plan;
M. "federal governmental plan" means a governmental plan established or maintained for its employees by the United States government or an instrumentality of that government;
N. "governmental plan" means that term as defined in Section 3(32) of the federal Employee Retirement Income Security Act of 1974 and includes a federal governmental plan;
O. "group health insurance coverage" means health insurance coverage offered in connection with a group health plan or any other health insurance subject to the provisions of Chapter 59A, Article 23 NMSA 1978;
P. "group health plan" means an employee welfare benefit plan as defined in Section 3(1) of the federal Employee Retirement Income Security Act of 1974 to the extent that the plan provides medical care and includes items and services paid for as medical care to employees or their dependents as defined under the terms of the plan directly or through insurance, reimbursement or otherwise;
Q. "group participation rule" means a requirement relating to the minimum number of participants or beneficiaries that must be enrolled in relation to a specified percentage or number of eligible individuals or employees of an employer;
R. "health insurance coverage" means benefits consisting of medical care provided directly, through insurance or reimbursement, or otherwise, and items, including items and services paid for as medical care, pursuant to any hospital or medical service policy or certificate, hospital or medical service plan contract or health maintenance organization contract offered by a health insurance issuer;
S. "health insurance issuer" means an insurance company, insurance service or insurance organization, including a health maintenance organization, that is licensed to engage in the business of insurance in the state and that is subject to state law that regulates insurance within the meaning of Section 514(b)(2) of the federal Employee Retirement Income Security Act of 1974, but "health insurance issuer" does not include a group health plan;
T. "health maintenance organization" means:
(1) a federally qualified health maintenance organization;
(2) an organization recognized pursuant to state law as a health maintenance organization; or
(3) a similar organization regulated pursuant to state law for solvency in the same manner and to the same extent as a health maintenance organization defined in Paragraph (1) or (2) of this subsection;
U. "health status related factor" means any of the factors described in Section 2702(a)(1) of the federal Health Insurance Portability and Accountability Act of 1996;
V. "individual health insurance coverage" means health insurance coverage offered to an individual in the individual market, but "individual health insurance coverage" does not include short-term limited duration insurance;
W. "individual market" means the market for health insurance coverage offered to individuals other than in connection with a group health plan;
X. "large employer" means, in connection with a group health plan and with respect to a calendar year and a plan year, an employer who employed an average of at least fifty-one employees on business days during the preceding calendar year and who employs at least two employees on the first day of the plan year;
Y. "large group market" means the health insurance market under which individuals obtain health insurance coverage on behalf of themselves and their dependents through a group health plan maintained by a large employer;
Z. "late enrollee" means, with respect to coverage under a group health plan, a participant or beneficiary who enrolls under the plan other than during:
(1) the first period in which the individual is eligible to enroll under the plan; or
(2) a special enrollment period pursuant to Sections 59A-23E-8 and 59A-23E-9 NMSA 1978;
AA. "medical care" means:
(1) services consisting of the diagnosis, cure, mitigation, treatment or prevention of human disease or provided for the purpose of affecting any structure or function of the human body; and
(2) transportation services primarily for and essential to provision of the services described in Paragraph (1) of this subsection;
BB. "network plan" means health insurance coverage of a health insurance issuer under which the financing and delivery of medical care are provided through a defined set of providers under contract with the issuer;
CC. nonfederal governmental plan" means a governmental plan that is not a federal governmental plan;
DD. participant" means:
(1) that term as defined in Section 3(7) of the federal Employee Retirement Income Security Act of 1974;
(2) a partner in relationship to a partnership in connection with a group health plan maintained by the partnership; and
(3) a self-employed individual in connection with a group health plan maintained by the self-employed individual;
EE. "placed for adoption" means a child has been placed with a person who assumes and retains a legal obligation for total or partial support of the child in anticipation of adoption of the child;
FF. "plan sponsor" means that term as defined in Section 3(16)(B) of the federal Employee Retirement Income Security Act of 1974;
GG. "preexisting condition exclusion" means a limitation or exclusion of benefits relating to a condition based on the fact that the condition was present before the date of the coverage for the benefits whether or not any medical advice, diagnosis, care or treatment was recommended before that date, but genetic information is not included as a preexisting condition for the purposes of limiting or excluding benefits in the absence of a diagnosis of the condition related to the genetic information;
HH. "small employer" means, in connection with a group health plan and with respect to a calendar year and a plan year, an employer who employed an average of at least two but not more than fifty employees on business days during the preceding calendar year and who employs at least two employees on the first day of the plan year;
II. "small group market" means the health insurance market under which individuals obtain health insurance coverage through a group health plan maintained by a small employer;
JJ. "state law" means laws, decisions, rules, regulations or state action having the effect of law; and
KK. "waiting period" means, with respect to a group health plan and an individual who is a potential participant or beneficiary in the plan, the period that must pass with respect to the individual before the individual is eligible to be covered for benefits under the terms of the plan.
History: Laws 1997, ch. 243, § 2; 1998, ch. 41, § 6; 2019, ch. 259, § 7.
ANNOTATIONSCompiler's notes. — The reference to Section 2702 of the federal Health Insurance Portability and Accountability Act of 1996 is a reference to Section 2702 of Title XXVII of the Public Health Service Act, as added by the Health Insurance Portability and Accountability Act, P.L. 104-191 Title I, § 102(a), codified as 42 U.S.C. § 300gg-1.
Cross references. — For Section 3 of the federal Employee Retirement Income Security Act of 1974 (ERISA), see 29 U.S.C. § 1002.
For Part 6 of Subtitle B of Title 1 of ERISA, see 29 U.S.C. § 1161 et seq.
For Section 609 of of Part 6 of Subtitle B of Title 1 of ERISA, see 29 U.S.C. § 1169.
For Section 514(b)(2) of ERISA, see 29 U.S.C. § 1144(b)(2).
For the federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), see 29 U.S.C. § 1161 et seq.
For Section 4980 of the federal Internal Revenue Code of 1986, see 26 U.S.C. § 4980.
For Titles 18 and 19 of the federal Social Security Act, see 42 U.S.C. § 1395 et seq. and 42 U.S.C. § 1396 et seq., respectively.
For Section 1928 of the Social Security Act, see 42 U.S.C. § 1396s.
For Section 1882(g)(1) of the Social Security Act, see 42 U.S.C. § 1395ss(g)(1).
For Section 5(e) of the federal Peace Corps Act, see 22 U.S.C. § 2504(e).
The 2019 amendment, effective June 14, 2019, revised the definition of "group health insurance coverage" as used in the Health Insurance Portability Act, and changed the name of the Comprehensive Health Insurance Pool Act to the Medical Insurance Pool Act within the definition of "creditable coverage"; in Subsection G, Paragraph G(7), after "the", deleted "Comprehensive Health" and added "Medical"; and in Subsection O, after "group health plan", added "or any other health insurance subject to the provisions of Chapter 59A, Article 23 NMSA 1978".
The 1998 amendment, effective March 6, 1998, inserted "federal" throughout the section; substituted "purposes" for "purpose" near the middle of Paragraph C(2); deleted Subsection H, relating to "eligible individual"; redesignated former Subsections I to LL as Subsections H to KK; rewrote Subsection I; substituted "59A-23E-8 and 59A-23E-9 NMSA 1978" for "8 and 9 of the Health Insurance Portability Act" at the end of Paragraph Z(2); and rewrote Subsections AA and DD.