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</span><b style='mso-bidi-font-weight:normal'>20:06:47:03.&nbsp;&nbsp;Unacceptable claims procedures.</b> The claims procedures may not contain any provisions or be administered in a method that unduly inhibits or hampers the initiation or processing of claims for benefits such as:</p> <p class=MsoFooter style='margin-left:0in'><o:p>&nbsp;</o:p></p> <p class=MsoFooter style='margin-left:0in'><span style='mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>(1)&nbsp;&nbsp;Denying a claim for lack of prior authorization in circumstances where obtaining authorization could seriously jeopardize the life or health of the covered person or the ability of the covered person to regain maximum function;</p> <p class=MsoFooter style='margin-left:0in'><o:p>&nbsp;</o:p></p> <p class=MsoFooter style='margin-left:0in'><span style='mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>(2)&nbsp;&nbsp;Precluding an authorized representative from acting on behalf of a covered person;</p> <p class=MsoFooter style='margin-left:0in'><o:p>&nbsp;</o:p></p> <p class=MsoFooter style='margin-left:0in'><span style='mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>(3)&nbsp;&nbsp;Requiring the filing of more than two appeals of an adverse benefit determination prior to taking civil action;</p> <p class=MsoFooter style='margin-left:0in'><o:p>&nbsp;</o:p></p> <p class=MsoFooter style='margin-left:0in'><span style='mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>(4)&nbsp;&nbsp;Requiring arbitration; and</p> <p class=MsoFooter style='margin-left:0in'><o:p>&nbsp;</o:p></p> <p class=MsoFooter style='margin-left:0in'><span style='mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>(5)&nbsp;&nbsp;Imposing fees or costs for voluntary appeals.</p> <p class=MsoFooter style='margin-left:0in'><o:p>&nbsp;</o:p></p> <p class=MsoFooter style='margin-left:0in'><span style='mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><b style='mso-bidi-font-weight:normal'>Source:</b> 30 SDR 39, effective September 28, 2003; 37 SDR 241, effective July 1, 2011.</p> <p class=MsoFooter style='margin-left:0in'><span style='mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><b style='mso-bidi-font-weight:normal'>General Authority:</b> SDCL <A HREF="/statutes/DisplayStatute.aspx?Type=Statute&Statute=58-17H-49">58-17H-49.</A></p> <p class=MsoFooter style='margin-left:0in'><span style='mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><b style='mso-bidi-font-weight:normal'>Law Implemented:</b> SDCL <A HREF="/statutes/DisplayStatute.aspx?Type=Statute&Statute=58-17H-49">58-17H-49.</A></p> <p class=MsoFooter style='margin-left:0in'><o:p>&nbsp;</o:p></p> </div> </body> </html>