(215 ILCS 5/513a7) (from Ch. 73, par. 1065.60a7)
Sec. 513a7.
License suspension; revocation or denial.
(a) Any license issued under this Article may be suspended, revoked, or
denied if the Director finds that the licensee or applicant:
(1) has wilfully violated any provisions of this Code |
| or the rules and regulations thereunder;
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(2) has intentionally made a material misstatement in
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| the application for a license;
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(3) has obtained or attempted to obtain a license
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| through misrepresentation or fraud;
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(4) has misappropriated or converted to his own use
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| or improperly withheld monies;
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(5) has used fraudulent, coercive, or dishonest
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| practices or has demonstrated incompetence, untrustworthiness, or financial irresponsibility;
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(6) has been, within the past 3 years, convicted of a
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| felony, unless the individual demonstrates to the Director sufficient rehabilitation to warrant public trust;
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(7) has failed to appear without reasonable cause or
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| excuse in response to a subpoena issued by the Director;
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(8) has had a license suspended, revoked, or denied
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| in any other state on grounds similar to those stated in this Section; or
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(9) has failed to report a felony conviction as
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| required by Section 513a6.
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(b) Suspension, revocation, or denial of a license under this Section
shall be by written order sent to the licensee or applicant by certified or
registered mail at the address specified in the records of the Department.
The licensee or applicant may in writing request a hearing within 30 days
from the date of mailing. If no written request is made the order shall be
final upon the expiration of that 30 day period.
(c) If the licensee or applicant requests a hearing under this Section,
the Director shall issue a written notice of hearing sent to the licensee
or applicant by certified or registered mail at his address, as specified
in the records of the Department, and stating:
(1) the grounds, charges, or conduct that justifies
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| suspension, revocation, or denial under this Section;
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(2) the specific time for the hearing, which may not
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| be fewer than 20 nor more than 30 days after the mailing of the notice of hearing; and
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(3) a specific place for the hearing, which may be
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| either in the City of Springfield or in the county where the licensee's principal place of business is located.
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(d) Upon the suspension or revocation of a license, the licensee or
other person having possession or custody of the license shall promptly
deliver it to the Director in person or by mail. The Director shall
publish all suspensions and revocations after they become final in a manner
designed to notify interested insurance companies and other persons.
(e) Any person whose license is revoked or denied under this Section
shall be ineligible to apply for any license for 2 years. A suspension
under this Section may be for a period of up to 2 years.
(f) In addition to or instead of a denial, suspension, or revocation of
a license under this Section, the licensee may be subjected to a civil
penalty of up to $2,000 for each cause for denial, suspension,
or
revocation. The penalty is enforceable under subsection (5) of Section
403A of this Code.
(Source: P.A. 93-32, eff. 7-1-03.)
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(215 ILCS 5/513a9) (from Ch. 73, par. 1065.60a9)
Sec. 513a9.
Premium finance agreement.
(a) A premium finance
agreement must be dated and signed by or on behalf of the named
insured, and the printed
portion shall be in at least 8-point type. The following items must be set
forth on the first page of the accepted finance agreement:
(1) the total amount of the premiums;
(2) the amount of the down payment;
(3) the principal balance (the difference between |
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(4) the amount of the finance charges expressed in
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| dollars and as an annual percentage rate;
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(5) the balance payable by the insured (sum of items
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(6) the number of installments, the due dates
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| thereof, and the amount of each installment expressed in dollars; and
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(7) the policy numbers or binder numbers.
(b) The premium finance company is required to
furnish full and complete
disclosure of the terms and conditions of the premium finance
agreement including, but not limited to, the specific insurance coverages
financed to the named insured no later than the date that the first
premium payment notice is sent to the insured.
(c) As to policies written primarily for personal, family, or household
use, the premium finance company must:
(1) deliver or mail the premium check or checks in
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| the amount of the principal balance directly to the insurer or insurers unless the insurer or insurers have given written authority to the premium finance company to deliver the checks to the producer;
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(2) issue the premium check or checks payable to the
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| insurer, insurers, or, if the insurer gives written authority to the premium finance company, to the producer; and
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(3) properly identify the premium check or checks by
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| policy number or binder number when the premium is paid to the insurer or insurers.
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(d) As to all other policies the premium finance company may:
(1) deliver or mail the premium check or checks in
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| the amount of the principal balance directly to the producer; and
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(2) issue the premium check or checks payable to the
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(e) A premium finance company that pays the financed premium to the
producer pursuant to subsection (d) establishes the producer as the agent of
the premium finance company for payment of the premium and for receipt of any
return premium.
(Source: P.A. 89-265, eff. 1-1-96; 90-381, eff. 8-14-97.)
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(215 ILCS 5/513a13) Sec. 513a13. Electronic delivery of notices and documents. (a) As used in this Section: "Delivered by electronic means" includes: (1) delivery to an electronic mail address at which a |
| party has consented to receive notices or documents; or
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(2) posting on an electronic network or site
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| accessible via the Internet, mobile application, computer, mobile device, tablet, or any other electronic device, together with separate notice of the posting, which shall be provided by electronic mail to the address at which the party has consented to receive notice or by any other delivery method that has been consented to by the party.
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"Party" means any recipient of any notice or document required as part of a premium finance agreement including, but not limited to, an applicant or contracting party. For the purposes of this Section, "party" includes the producer of record.
(b) Subject to the requirements of this Section, any notice to a party or any other document required under applicable law in a premium finance agreement or that is to serve as evidence of a premium finance agreement may be delivered, stored, and presented by electronic means so long as it meets the requirements of the Uniform Electronic Transactions Act.
(c) Delivery of a notice or document in accordance with this Section shall be considered equivalent to delivery by first class mail or first class mail, postage prepaid.
(d) A notice or document may be delivered by electronic means by a premium finance company to a party under this Section if:
(1) the party has affirmatively consented to that
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| method of delivery and has not withdrawn the consent;
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(2) the party, before giving consent, is provided
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| with a clear and conspicuous statement informing the party of:
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(A) the right of the party to withdraw consent to
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| have a notice or document delivered by electronic means, at any time, and any conditions or consequences imposed in the event consent is withdrawn;
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(B) the types of notices and documents to which
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| the party's consent would apply;
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(C) the right of a party to have a notice or
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| document delivered in paper form; and
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(D) the procedures a party must follow to
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| withdraw consent to have a notice or document delivered by electronic means and to update the party's electronic mail address;
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(3) the party:
(A) before giving consent, is provided with a
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| statement of the hardware and software requirements for access to, and retention of, a notice or document delivered by electronic means; and
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(B) consents electronically, or confirms consent
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| electronically, in a manner that reasonably demonstrates that the party can access information in the electronic form that will be used for notices or documents delivered by electronic means as to which the party has given consent; and
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(4) after consent of the party is given, the premium
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| finance company, in the event a change in the hardware or software requirements needed to access or retain a notice or document delivered by electronic means creates a material risk that the party will not be able to access or retain a subsequent notice or document to which the consent applies:
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(A) provides the party with a statement that
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(i) the revised hardware and software
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| requirements for access to and retention of a notice or document delivered by electronic means; and
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(ii) the right of the party to withdraw
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| consent without the imposition of any condition or consequence that was not disclosed at the time of initial consent; and
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(B) complies with paragraph (2) of this
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(e) Delivery of a notice or document in accordance with this Section does not affect requirements related to content or timing of any notice or document required under applicable law.
(f) The legal effectiveness, validity, or enforceability of any premium finance agreement executed by a party may not be denied solely because of the failure to obtain electronic consent or confirmation of consent of the party in accordance with subparagraph (B) of paragraph (3) of subsection (d) of this Section.
(g) A withdrawal of consent by a party does not affect the legal effectiveness, validity, or enforceability of a notice or document delivered by electronic means to the party before the withdrawal of consent is effective.
A withdrawal of consent by a party is effective within a reasonable period of time after receipt of the withdrawal by the premium finance company.
Failure by a premium finance company to comply with paragraph (4) of subsection (d) of this Section and subsection (j) of this Section may be treated, at the election of the party, as a withdrawal of consent for purposes of this Section.
(h) This Section does not apply to a notice or document delivered by a premium finance company in an electronic form before the effective date of this amendatory Act of the 100th General Assembly to a party who, before that date, has consented to receive notice or document in an electronic form otherwise allowed by law.
(i) If the consent of a party to receive certain notices or documents in an electronic form is on file with a premium finance company before the effective date of this amendatory Act of the 100th General Assembly and, pursuant to this Section, a premium finance company intends to deliver additional notices or documents to the party in an electronic form, then prior to delivering such additional notices or documents electronically, the premium finance company shall:
(1) provide the party with a statement that
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(A) the notices or documents that shall be
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| delivered by electronic means under this Section that were not previously delivered electronically; and
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(B) the party's right to withdraw consent to
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| have notices or documents delivered by electronic means without the imposition of any condition or consequence that was not disclosed at the time of initial consent; and
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(2) comply with paragraph (2) of subsection (d)
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(j) A premium finance company shall deliver a notice or document by any other delivery method permitted by law other than electronic means if:
(1) the premium finance company attempts to deliver
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| the notice or document by electronic means and has a reasonable basis for believing that the notice or document has not been received by the party; or
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(2) the premium finance company becomes aware that
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| the electronic mail address provided by the party is no longer valid.
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(k) The producer of record shall not be subject to civil liability for any harm or injury that occurs as a result of a party's election to receive any notice or document by electronic means or by a premium finance company's failure to deliver a notice or document by electronic means unless the harm or injury is caused by the willful and wanton misconduct of the producer of record.
(l) This Section shall not be construed to modify, limit, or supersede the provisions of the federal Electronic Signatures in Global and National Commerce Act, as amended.
(Source: P.A. 102-38, eff. 6-25-21.)
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(215 ILCS 5/513b1) Sec. 513b1. Pharmacy benefit manager contracts. (a) As used in this Section: "340B drug discount program" means the program established
under Section 340B of the federal Public Health Service Act, 42 U.S.C. 256b. "340B entity" means a covered entity as defined in 42 U.S.C. 256b(a)(4) authorized to participate in the 340B drug discount program. "340B pharmacy" means any pharmacy used to dispense 340B drugs for a covered entity, whether entity-owned or external. "Biological product" has the meaning ascribed to that term in Section 19.5 of the Pharmacy Practice Act. "Maximum allowable cost" means the maximum amount that a pharmacy benefit manager will reimburse a pharmacy for the cost of a drug. "Maximum allowable cost list" means a list of drugs for which a maximum allowable cost has been established by a pharmacy benefit manager. "Pharmacy benefit manager" means a person, business, or entity, including a wholly or partially owned or controlled subsidiary of a pharmacy benefit manager, that provides claims processing services or other prescription drug or device services, or both, for health benefit plans. "Retail price" means the price an individual without prescription drug coverage would pay at a retail pharmacy, not including a pharmacist dispensing fee. "Third-party payer" means any entity that pays for prescription drugs on behalf of a patient other than a health care provider or sponsor of a plan subject to regulation under Medicare Part D, 42 U.S.C. 1395w-101 et seq. (b) A contract between a health insurer and a pharmacy benefit manager must require that the pharmacy benefit manager: (1) Update maximum allowable cost pricing information |
| at least every 7 calendar days.
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(2) Maintain a process that will, in a timely manner,
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| eliminate drugs from maximum allowable cost lists or modify drug prices to remain consistent with changes in pricing data used in formulating maximum allowable cost prices and product availability.
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(3) Provide access to its maximum allowable cost list
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| to each pharmacy or pharmacy services administrative organization subject to the maximum allowable cost list. Access may include a real-time pharmacy website portal to be able to view the maximum allowable cost list. As used in this Section, "pharmacy services administrative organization" means an entity operating within the State that contracts with independent pharmacies to conduct business on their behalf with third-party payers. A pharmacy services administrative organization may provide administrative services to pharmacies and negotiate and enter into contracts with third-party payers or pharmacy benefit managers on behalf of pharmacies.
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(4) Provide a process by which a contracted pharmacy
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| can appeal the provider's reimbursement for a drug subject to maximum allowable cost pricing. The appeals process must, at a minimum, include the following:
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(A) A requirement that a contracted pharmacy has
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| 14 calendar days after the applicable fill date to appeal a maximum allowable cost if the reimbursement for the drug is less than the net amount that the network provider paid to the supplier of the drug.
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(B) A requirement that a pharmacy benefit manager
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| must respond to a challenge within 14 calendar days of the contracted pharmacy making the claim for which the appeal has been submitted.
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(C) A telephone number and e-mail address or
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| website to network providers, at which the provider can contact the pharmacy benefit manager to process and submit an appeal.
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(D) A requirement that, if an appeal is denied,
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| the pharmacy benefit manager must provide the reason for the denial and the name and the national drug code number from national or regional wholesalers.
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(E) A requirement that, if an appeal is
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| sustained, the pharmacy benefit manager must make an adjustment in the drug price effective the date the challenge is resolved and make the adjustment applicable to all similarly situated network pharmacy providers, as determined by the managed care organization or pharmacy benefit manager.
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(5) Allow a plan sponsor contracting with a pharmacy
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| benefit manager an annual right to audit compliance with the terms of the contract by the pharmacy benefit manager, including, but not limited to, full disclosure of any and all rebate amounts secured, whether product specific or generalized rebates, that were provided to the pharmacy benefit manager by a pharmaceutical manufacturer.
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(6) Allow a plan sponsor contracting with a pharmacy
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| benefit manager to request that the pharmacy benefit manager disclose the actual amounts paid by the pharmacy benefit manager to the pharmacy.
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(7) Provide notice to the party contracting with the
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| pharmacy benefit manager of any consideration that the pharmacy benefit manager receives from the manufacturer for dispense as written prescriptions once a generic or biologically similar product becomes available.
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(c) In order to place a particular prescription drug on a maximum allowable cost list, the pharmacy benefit manager must, at a minimum, ensure that:
(1) if the drug is a generically equivalent drug, it
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| is listed as therapeutically equivalent and pharmaceutically equivalent "A" or "B" rated in the United States Food and Drug Administration's most recent version of the "Orange Book" or have an NR or NA rating by Medi-Span, Gold Standard, or a similar rating by a nationally recognized reference;
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(2) the drug is available for purchase by each
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| pharmacy in the State from national or regional wholesalers operating in Illinois; and
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(3) the drug is not obsolete.
(d) A pharmacy benefit manager is prohibited from limiting a pharmacist's ability to disclose whether the cost-sharing obligation exceeds the retail price for a covered prescription drug, and the availability of a more affordable alternative drug, if one is available in accordance with Section 42 of the Pharmacy Practice Act.
(e) A health insurer or pharmacy benefit manager shall not require an insured to make a payment for a prescription drug at the point of sale in an amount that exceeds the lesser of:
(1) the applicable cost-sharing amount; or
(2) the retail price of the drug in the absence of
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| prescription drug coverage.
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(f) Unless required by law, a contract between a pharmacy benefit manager or third-party payer and a 340B entity or 340B pharmacy shall not contain any provision that:
(1) distinguishes between drugs purchased through the
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| 340B drug discount program and other drugs when determining reimbursement or reimbursement methodologies, or contains otherwise less favorable payment terms or reimbursement methodologies for 340B entities or 340B pharmacies when compared to similarly situated non-340B entities;
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(2) imposes any fee, chargeback, or rate adjustment
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| that is not similarly imposed on similarly situated pharmacies that are not 340B entities or 340B pharmacies;
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(3) imposes any fee, chargeback, or rate adjustment
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| that exceeds the fee, chargeback, or rate adjustment that is not similarly imposed on similarly situated pharmacies that are not 340B entities or 340B pharmacies;
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(4) prevents or interferes with an individual's
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| choice to receive a covered prescription drug from a 340B entity or 340B pharmacy through any legally permissible means, except that nothing in this paragraph shall prohibit the establishment of differing copayments or other cost-sharing amounts within the benefit plan for covered persons who acquire covered prescription drugs from a nonpreferred or nonparticipating provider;
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(5) excludes a 340B entity or 340B pharmacy from a
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| pharmacy network on any basis that includes consideration of whether the 340B entity or 340B pharmacy participates in the 340B drug discount program;
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(6) prevents a 340B entity or 340B pharmacy from
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| using a drug purchased under the 340B drug discount program; or
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(7) any other provision that discriminates against a
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| 340B entity or 340B pharmacy by treating the 340B entity or 340B pharmacy differently than non-340B entities or non-340B pharmacies for any reason relating to the entity's participation in the 340B drug discount program.
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As used in this subsection, "pharmacy benefit manager" and "third-party payer" do not include pharmacy benefit managers and third-party payers acting on behalf of a Medicaid program.
(g) A violation of this Section by a pharmacy benefit manager constitutes an unfair or deceptive act or practice in the business of insurance under Section 424.
(h) A provision that violates subsection (f) in a contract between a pharmacy benefit manager or a third-party payer and a 340B entity that is entered into, amended, or renewed after July 1, 2022 shall be void and unenforceable.
(i)(1) A pharmacy benefit manager may not retaliate against a pharmacist or pharmacy for disclosing information in a court, in an administrative hearing, before a legislative commission or committee, or in any other proceeding, if the pharmacist or pharmacy has reasonable cause to believe that the disclosed information is evidence of a violation of a State or federal law, rule, or regulation.
(2) A pharmacy benefit manager may not retaliate against a pharmacist or pharmacy for disclosing information to a government or law enforcement agency, if the pharmacist or pharmacy has reasonable cause to believe that the disclosed information is evidence of a violation of a State or federal law, rule, or regulation.
(3) A pharmacist or pharmacy shall make commercially reasonable efforts to limit the disclosure of confidential and proprietary information.
(4) Retaliatory actions against a pharmacy or pharmacist include cancellation of, restriction of, or refusal to renew or offer a contract to a pharmacy solely because the pharmacy or pharmacist has:
(A) made disclosures of information that the
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| pharmacist or pharmacy has reasonable cause to believe is evidence of a violation of a State or federal law, rule, or regulation;
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(B) filed complaints with the plan or pharmacy
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(C) filed complaints against the plan or pharmacy
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| benefit manager with the Department.
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(j) This Section applies to contracts entered into or renewed on or after July 1, 2022.
(k) This Section applies to any group or individual policy of accident and health insurance or managed care plan that provides coverage for prescription drugs and that is amended, delivered, issued, or renewed on or after July 1, 2020.
(Source: P.A. 102-778, eff. 7-1-22; 103-154, eff. 6-30-23; 103-453, eff. 8-4-23.)
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(215 ILCS 5/513b7) Sec. 513b7. Pharmacy audits. (a) As used in this Section: "Audit" means any physical on-site, remote electronic, or concurrent review of a pharmacist or pharmacy service submitted to the pharmacy benefit manager or pharmacy benefit manager affiliate by a pharmacist or pharmacy for payment. "Auditing entity" means a person or company that performs a pharmacy audit. "Extrapolation" means the practice of inferring a frequency of dollar amount of overpayments, underpayments, nonvalid claims, or other errors on any portion of claims submitted, based on the frequency of dollar amount of overpayments, underpayments, nonvalid claims, or other errors actually measured in a sample of claims. "Misfill" means a prescription that was not dispensed; a prescription that was dispensed but was an incorrect dose, amount, or type of medication; a prescription that was dispensed to the wrong person; a prescription in which the prescriber denied the authorization request; or a prescription in which an additional dispensing fee was charged. "Pharmacy audit" means an audit conducted of any records of a pharmacy for prescriptions dispensed or nonproprietary drugs or pharmacist services provided by a pharmacy or pharmacist to a covered person. "Pharmacy record" means any record stored electronically or as a hard copy by a pharmacy that relates to the provision of a prescription or pharmacy services or other component of pharmacist care that is included in the practice of pharmacy. (b) Notwithstanding any other law, when conducting a pharmacy audit, an auditing entity shall: (1) not conduct an on-site audit of a pharmacy at any |
| time during the first 3 business days of a month or the first 2 weeks and final 2 weeks of the calendar year or during a declared State or federal public health emergency;
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(2) notify the pharmacy or its contracting agent no
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| later than 14 business days before the date of initial on-site audit; the notification to the pharmacy or its contracting agent shall be in writing and delivered either:
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(A) by mail or common carrier, return receipt
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(B) electronically, not including facsimile, with
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| electronic receipt confirmation and delivered during normal business hours of operation, addressed to the supervising pharmacist and pharmacy corporate office, if applicable, at least 14 business days before the date of an initial on-site audit;
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(3) limit the audit period to 24 months after the
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| date a claim is submitted to or adjudicated by the pharmacy benefit manager;
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(4) provide in writing the list of specific
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| prescription numbers to be included in the audit 14 business days before the on-site audit that may or may not include the final 2 digits of the prescription numbers;
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(5) use the written and verifiable records of a
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| hospital, physician, or other authorized practitioner that are transmitted by any means of communication to validate the pharmacy records in accordance with State and federal law;
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(6) limit the number of prescriptions audited to no
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| more than 100 prescriptions per audit and an entity shall not audit more than 200 prescriptions in any 12-month period, except in cases of fraud or knowing and willful misrepresentation; a refill shall not constitute a separate prescription and a pharmacy shall not be audited more than once every 6 months;
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(7) provide the pharmacy or its contracting agent
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| with a copy of the preliminary audit report within 45 days after the conclusion of the audit;
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(8) be allowed to conduct a follow-up audit on site
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| if a remote or desk audit reveals the necessity for a review of additional claims;
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(9) accept invoice audits as validation invoices from
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| any wholesaler registered with the Department of Financial and Professional Regulation from which the pharmacy has purchased prescription drugs or, in the case of durable medical equipment or sickroom supplies, invoices from an authorized distributor other than a wholesaler;
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(10) provide the pharmacy or its contracting agent
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| with the ability to provide documentation to address a discrepancy or audit finding if the documentation is received by the pharmacy benefit manager no later than the 45th day after the preliminary audit report was provided to the pharmacy or its contracting agent; the pharmacy benefit manager shall consider a reasonable request from the pharmacy for an extension of time to submit documentation to address or correct any findings in the report;
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(11) be required to provide the pharmacy or its
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| contracting agent with the final audit report no later than 90 days after the initial audit report was provided to the pharmacy or its contracting agent;
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(12) conduct the audit in consultation with a
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| pharmacist in specific cases if the audit involves clinical or professional judgment;
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(13) not chargeback, recoup, or collect penalties
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| from a pharmacy until the time period to file an appeal of the final pharmacy audit report has passed or the appeals process has been exhausted, whichever is later, unless the identified discrepancy is expected to exceed $25,000, in which case the auditing entity may withhold future payments in excess of that amount until the final resolution of the audit;
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(14) not compensate the employee or contractor
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| conducting the audit based on a percentage of the amount claimed or recouped pursuant to the audit;
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(15) not use extrapolation to calculate penalties or
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| amounts to be charged back or recouped unless otherwise required by federal law or regulation; any amount to be charged back or recouped due to overpayment may not exceed the amount the pharmacy was overpaid;
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(16) not include dispensing fees in the calculation
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| of overpayments unless a prescription is considered a misfill, the medication is not delivered to the patient, the prescription is not valid, or the prescriber denies authorizing the prescription; and
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(17) conduct a pharmacy audit under the same
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| standards and parameters as conducted for other similarly situated pharmacies audited by the auditing entity.
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(c) Except as otherwise provided by State or federal law, an auditing entity conducting a pharmacy audit may have access to a pharmacy's previous audit report only if the report was prepared by that auditing entity.
(d) Information collected during a pharmacy audit shall be confidential by law, except that the auditing entity conducting the pharmacy audit may share the information with the health benefit plan for which a pharmacy audit is being conducted and with any regulatory agencies and law enforcement agencies as required by law.
(e) A pharmacy may not be subject to a chargeback or recoupment for a clerical or recordkeeping error in a required document or record, including a typographical error or computer error, unless the pharmacy benefit manager can provide proof of intent to commit fraud or such error results in actual financial harm to the pharmacy benefit manager, a health plan managed by the pharmacy benefit manager, or a consumer.
(f) A pharmacy shall have the right to file a written appeal of a preliminary and final pharmacy audit report in accordance with the procedures established by the entity conducting the pharmacy audit.
(g) No interest shall accrue for any party during the audit period, beginning with the notice of the pharmacy audit and ending with the conclusion of the appeals process.
(h) An auditing entity must provide a copy to the plan sponsor of its claims that were included in the audit, and any recouped money shall be returned to the plan sponsor, unless otherwise contractually agreed upon by the plan sponsor and the pharmacy benefit manager.
(i) The parameters of an audit must comply with manufacturer listings or recommendations, unless otherwise prescribed by the treating provider, and must be covered under the individual's health plan, for the following:
(1) the day supply for eye drops must be calculated
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| so that the consumer pays only one 30-day copayment if the bottle of eye drops is intended by the manufacturer to be a 30-day supply;
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(2) the day supply for insulin must be calculated so
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| that the highest dose prescribed is used to determine the day supply and consumer copayment; and
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(3) the day supply for topical product must be
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| determined by the judgment of the pharmacist or treating provider upon the treated area.
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(j) This Section shall not apply to:
(1) audits in which suspected fraud or knowing and
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| willful misrepresentation is evidenced by a physical review, review of claims data or statements, or other investigative methods;
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(2) audits of claims paid for by federally funded
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| programs not applicable to health insurance coverage regulated by the Department; or
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(3) concurrent reviews or desk audits that occur
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| within 3 business days after transmission of a claim and in which no chargeback or recoupment is demanded.
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(Source: P.A. 103-102, eff. 1-1-24 .)
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