215 ILCS 97/35 — what it says, and how the exam tests it

215 ILCS 97/35. Sec. 35. Disclosure of Information. (A) Disclosure of information by health plan issuers. In connection with the offering of any health insurance coverage to a small employer, a health insurance issuer: (1) shall make a reasonable disclosure to such employer, as part of its solicitation and sales materials, of the availability of information described in subsection (B), and (2) shall, upon request of such a small employer, provide such information. (B) Information described. (1) In general. Subject to paragraph (3), with respect to a health insurance issuer offering health insurance coverage to a small employer, information described in this subsection is information concerning: (a) the provisions of such coverage concerning issuer's right to change premium rates and the factors that may affect changes in premium rates; (b) the provisions of such coverage relating to renewability of coverage; (c) the provisions of such coverage relating to any pre-existing condition exclusion; and (d) the benefits and premiums available under all health insurance coverage for which the employer is qualified. (2) Form of information. Information under this subsection shall be provided to small employers in a manner determined to be understandable by the average small employer, and shall be sufficient to reasonably inform small employers of their rights and obligations under the health insurance coverage. (3) Exception. An issuer is not required under this Section to disclose any information that is proprietary and trade secret information under applicable law. (Source: P.A. 90-30, eff. 7-1-97; 91-357, eff. 7-29-99.)