State RegulationsIL specificDifficulty 2/5
When group health coverage ends in Illinois, a former member may need evidence of that coverage to carry to a new plan. Which Illinois provision connects the discontinuance of group coverage to portability protections?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
215 ILCS 97/20 sits within the Illinois Health Insurance Portability and Accountability Act and links the discontinuance and replacement of group coverage to portability protections, so that a person leaving a terminated group plan is not stripped of the coverage rights earned there. This portability framework operates alongside 215 ILCS 5/367i, and the Illinois Department of Insurance oversees insurer compliance.
Why the other options are wrong
- A) 50 Ill. Adm. Code 5421 contains the administrative rules for HMOs and does not supply the portability protections triggered when group coverage ends.
- C) 215 ILCS 130/3001 belongs to the Limited Health Service Organization Act, which governs limited health service organizations rather than group portability rights.
- D) 215 ILCS 5/500-60 governs temporary insurance producer licenses and is unrelated to health coverage portability after a group discontinuance.
Memory hook
When the group ends, 97/20 carries your coverage credit forward.