R590-176-5. Application and Enrollment

  (1) Each carrier shall establish a procedure to determine the order of applications. The procedure shall group the applications into consistent time periods. The carrier shall keep a record of all applications for coverage that includes the time period an application is received by the carrier.

  (2) All applications shall be treated consistently.

  (3)(a) A complete application shall be processed and a written notice of the decision communicated to the applicant within 30 days of the decision.

  (b) The carrier may not require that an application be complete in order to qualify as an application for coverage.

  (c) If an application is incomplete, within 15 days from receipt of the application a carrier shall notify the applicant of the areas that are incomplete and the information required to complete the application.

  (d) Before an application can be rejected as incomplete, applicants shall have at least 30 days after being notified additional information is required to provide the information.