(a) The HMO shall, at a minimum, provide or arrange for the provision to its members all basic comprehensive health care services and all other services enumerated in this subchapter and in 26:2J-1 et seq., as it may be amended from time to time. 1. If the HMO refers a member out of network, the service or supply shall be covered as an in-network service or supply, such that the HMO is fully responsible for payment to the provider and the member is only responsible for any applicable in-network level
(a) The HMO shall establish and implement written policies and procedures regarding the rights of members and the implementation of these rights. (b) The HMO shall provide each member with a current copy of a member's benefit handbook, including at least: 1. A complete statement of the member's rights; 2. A description of all complaint and grievance procedures, including the address and telephone numbers of the complaint offices of the HMO and of the Department; and 3. A clear and complete summary
N.J. Admin. Code § 11:20-24.5 Reserved by 48 N.J.R. 2153(a), effective 10/17/2016
(a) The following shall apply to individual network, family network and individual out-of-network out-of-pocket limits: 1. Carriers shall track the accumulation of copayment, deductible and coinsurance payments to identify when the out-of-pocket limit has been satisfied, and shall not require covered persons to report payment of copayments, coinsurance or deductible for inclusion in the out-of-pocket limit; 2. All amounts paid as copayment, coinsurance and deductible shall count toward the out-of-pocket