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RICHMOND – Angela L. Navarro was sworn in today as the 37th commissioner of the State Corporation Commission (SCC). Navarro was appointed by Governor Ralph S. Northam to complete the unexpired term of Mark C. Christie who became a member of the Federal Energy Regulatory Commission on January 4, 2021.

Prior to being appointed to the Commission, Navarro served as Deputy Secretary of Commerce and Trade under Governor Northam, where she worked on housing, small business, economic development, and energy policies.

She has also served as Deputy Secretary of Natural Resources for Governor Northam and Governor Terry McAuliffe. In that role she advised each administration on land conservation, energy, and environmental policies.

Before entering government service, Navarro practiced law with the Southern Environmental Law Center. She led the organization’s energy efficiency practice across a six-state southeastern region and was the organization’s lead attorney on energy matters in Virginia.

Navarro holds degrees in business and English from the University of Florida and a law degree from Georgetown Law.

The other two SCC commissioners are Judith Williams Jagdmann, the current chair, and Jehmal T. Hudson who was also appointed by the Governor and took office in July.

The Commissioners serve six-year terms. Both appointments are subject to confirmation by the Virginia General Assembly during its 2021 legislative session.

Established in 1902, the SCC's authority encompasses utilities, insurance, state-chartered financial institutions, securities, retail franchising, railroad safety, and underground utility damage prevention. The Commission also serves as the Commonwealth's central filing office for all entities formed or registered under Virginia corporate law.


Contact: Ken Schrad, 804-371-9858

RICHMOND – The State Corporation Commission (SCC) has adopted rules that will open more opportunities for the development of small solar projects in Virginia that produce electricity to a shared group of subscribers.

Community solar allows a developer of a small-scale solar project to subscribe eligible customers to purchase a share of the output of the solar facility. The customer, through net metering, gets a bill credit from their utility company for the energy being supplied by the shared solar program.

The introduction of shared solar programs results from legislation adopted during the 2020 session of the Virginia General Assembly. Homeowner’s associations, residential subdivisions, apartment building complexes, office building complexes, and industrial parks may have an interest in being developers of small solar projects.

Initially, there is a program cap on the level of shared solar that is permitted. The program is limited to the service territory of Dominion Energy Virginia. Kentucky Utilities, doing business in Southwest Virginia as Old Dominion Power Company, is participating in a multi-family shared solar program.

The rules adopted by the Commission establish the procedures for becoming licensed as a subscriber organization (the owner of the solar project); registering with the utility company; and the standards the subscribing organization must follow when marketing and enrolling customers.

The rules were developed with the assistance of a stakeholder group of more than 60 participants. The group will continue to provide input to SCC staff as deployment of these programs unfold over the next few years. This will include recommendations for giving low-income customers the opportunity to participate and receive solar energy.


Contact: Ken Schrad, 804-371-9858

Case number PUR-2020-000124 – multi-family shared solar program regulations
Case number PUR-2020-000125 – shared solar program regulations

RICHMOND – Many Virginians will soon be protected against surprise medical billing thanks to a new law that takes effect January 1, 2021. Surprise billing – or balance billing – occurs when patients enrolled in managed care health insurance plans receive bills for more than their plan’s cost-sharing amounts (such as deductibles, coinsurance and co-pays) directly from medical service providers who do not participate in the plan’s network of providers – often referred to as “out-of-network” providers. The new law protects individuals from balance billing for emergency services, as well as non-emergency laboratory and professional services including surgery, anesthesia, pathology, radiology and hospitalist services.

Starting January 1, individuals enrolled in either fully insured managed care health insurance plans issued in Virginia or the state employee health benefit plan cannot be balance billed successfully by an out-of-network provider for emergency services. Additionally, out-of-network providers cannot balance bill these individuals for certain non-emergency services during a scheduled procedure at an in-network hospital or other health care facility.

Although the new balance billing law does not apply to self-funded group health plans and certain other self-funded plans, those plans may opt in so that the law’s protections apply to their enrollees. These plans are known as elective group health plans. More than 200 elective group health plans have already opted in beginning January 1, 2021. A list of plans that have chosen to opt in is available on the State Corporation Commission’s (SCC) Bureau of Insurance (Bureau) website at Search Elective Group Health Plans | Balance Billing (

Plans that wish to opt into the balance billing protections beginning at a later date can find the application on the Bureau’s website at Virginia SCC - Balance Billing. To opt in, these groups or their third-party administrators must complete and submit an online application at least 30 days before either the beginning of their plan year or January 1 of any subsequent year.

The new law works, in part, by requiring insurers and providers to resolve balance billing disputes – rather than the provider simply sending the consumer a balance billing. When a consumer is treated by an out-of-network health care provider for services covered by the new law, the provider will submit the claim to the consumer’s insurer or health plan. The insurer or health plan will pay the provider a “commercially reasonable amount” that is based on payments for the same or similar services in a similar geographic area, thereby eliminating any balance payment by the consumer to the provider for services rendered.

If they cannot agree on the amount due, the provider and the insurer or health plan may begin a claims resolution process. As part of that process, the insurer and out-of-network provider must first try to agree on a payment amount. If they cannot agree, one of the parties may request that an arbitrator determine the final payment amount and resolve disputes. Arbitrators must report their final decision to both arbitrating parties and to the Bureau using the Arbitrator Decision Reporting Form, which is available on the Bureau’s website at Virginia SCC - Balance Billing.

The Bureau is currently accepting applications for individuals interested in serving as arbitrators for balance billing disputes. Arbitrators should have training and experience in arbitration or dispute resolution and matters related to medical or health care services. For more information, including an application and a list of approved arbitrators, visit Virginia SCC - Balance Billing.

Additionally, the new law requires health care facilities and medical providers to notify consumers about balance billing protection for out-of-network services. Among other things, these notifications must inform consumers how to determine if they are protected from surprise billing, when they can be balance billed, and what to do if they are billed too much. Providers must notify consumers (on their websites or otherwise) about which networks they participate in; refund to consumers any overpaid amounts within 30 business days; provide to consumers a notice of their rights under the balance billing law, and refrain from asking consumers to limit or give up their rights under the balance billing law.

Managed care health insurance plans regulated by the Bureau also must notify enrollees regarding if and when they are subject to balance billing, as well as notify enrollees of their rights under the new law. If an enrollee is subject to balance billing, the new law requires that their financial responsibility must be based on what they would pay an in-network provider or in-network facility in their area.

If health care providers have a pattern of violations under the new law without attempting corrective action, they are subject to fines or other measures by the Virginia Board of Medicine or the Virginia Commissioner of Health. Similarly, insurance companies that are found to engage in a pattern of violations of the new law are subject to fines or other sanctions by the SCC.

For more information, contact the Virginia Bureau of Insurance toll-free at 1-877-310-6560 or visit Questions related to the arbitrator application, requests to arbitrate, or questions regarding the self-funded opt-in process may be emailed to Consumer questions and complaints about balance billing may be emailed to


Contact: Katha Treanor, 804-371-9141

RICHMOND – New insurance coverage options will soon be available to Medicare-eligible Virginians under the age of 65.

Effective January 1, 2021, individuals will be able to enroll in Medicare Supplement (also known as Medigap) plans if they are:

  • Under age 65 and live in Virginia
  • Eligible for Medicare by reason of disability, and
  • Either enrolled in or will be enrolled in Medicare Parts A and B by the effective date of coverage.

Medigap is sold by private companies and helps fill coverage gaps in original Medicare. A Medigap policy can pay for copayments, coinsurance and deductibles for covered services. In some cases, it can also pay for services that original Medicare doesn’t cover, such as medical care when traveling outside the U.S.

A new law passed by the 2020 Virginia General Assembly requires each insurer, health service plan and health maintenance organization that issues Medigap plans in Virginia to offer the option to buy at least one of its Medigap plans to individuals who meet the above criteria for eligibility.

The Medigap plans are guaranteed for eligible individuals. In other words, the insurer must issue and maintain coverage as long as premiums are paid on the policy or certificate. In addition, insurers cannot exclude benefits based on pre-existing conditions under certain circumstances.

Enrollment periods may vary depending on your circumstances and eligibility. To learn more, contact companies that sell Medigap policies in Virginia or visit the State Corporation Commission’s (SCC) Bureau of Insurance (Bureau) website at Virginia SCC - Tips, Guides & Publications and select Medicare Supplement.

In Virginia, individuals have a 30-day “free look” period for a Medigap policy that allows them to return the policy for a full premium refund within 30 days of purchase if not satisfied.

Upon turning 65, individuals who have purchased a Medigap policy under the pre-65 coverage option, will receive a new six-month open enrollment period and can purchase any of the standardized Medigap plans, which may offer a wider choice of plans and lower premiums.

For more information about Medigap plans, a list of insurance companies that sell Medigap policies to disabled Medicare-eligible individuals under age 65, and a list of premiums, visit the Bureau of Insurance website at Virginia SCC - Tips, Guides & Publications and select Medicare Supplement. For questions, contact the Bureau toll-free at 1-877-310-6560, in Richmond at 804-371-9691 or by email at


Contact: Katha Treanor, 804-371-9141

RICHMOND – Changes in licensing, fees and continuing education due dates for insurance agents in Virginia will take effect January 1, 2021.

The State Corporation Commission’s (SCC) Bureau of Insurance (Bureau) is changing the duration of agent licenses from a perpetual basis to a biennial basis based on their birth month and year. The changes will impact approximately 332,000 individuals and agencies holding 340,000 insurance agent licenses in Virginia. The switch to biennial license renewals allows the Bureau to more regularly receive up-to-date contact and other license-related information from agents, such as criminal history and disciplinary actions.

Beginning January 1, 2021, license renewal fees will be $10 every two years per line of authority for all insurance license types.

Continuing education (CE) due dates also will change. Currently, the Bureau uses a static date for resident insurance agents licensed in Virginia to complete CE requirements. As of January 1, CE due dates will align with each resident agent’s individual license renewal date. The number of hours required for CE has not changed but the $22 continuance fee has been eliminated effective January 1, 2021.

In addition, new Virginia licensees who live in the Commonwealth will be fingerprinted for state and federal background checks. This requirement does not pertain to license renewal applications.

These changes, as provided by Virginia law, have been in the works for more than two years and are among the biggest changes impacting Virginia insurance agent licensing in more than 30 years. These changes are intended to benefit both licensees as well as the Bureau’s oversight of the licensing process. Among other things, the changes are designed to create greater efficiencies and transparency by ensuring that agent information is updated regularly and to coordinate an agent’s license date with their CE due date. They are also designed to identify license applicants with criminal histories outside of Virginia.

 “One of the Bureau’s top priorities is making the insurance licensing process as uniform as possible with national regulatory standards,” said the Bureau’s Agent Licensing Manager Richard Tozer. “Implementing license renewal, aligning CE with the license renewal date, and fingerprinting will ensure we will meet that goal.”

“This has been an incredibly complex project and the Bureau truly appreciates the amount of input provided by industry stakeholders,” said Deputy Commissioner Mike Beavers of the Bureau’s Agent Regulation Division. “This project will increase the Bureau’s ability to communicate with agents through the collection of updated email and other contact information.”

Insurance agents will be able to complete the license renewal process online in conjunction with their CE requirements 90 days prior to their license expiration date. Going forward, if an agent fails to complete their license renewal and/or CE requirements by their license renewal date, they will have a 12-month period in which to seek reinstatement of their license rather than having to retake the license examination or be fingerprinted.

Under the new licensing process, the first agent renewals will be due beginning in February 2022, with the remaining agent license renewals taking place over the next 24 months. The Bureau anticipates an average of 14,000 license renewals each month.

Beginning in 2021, insurance agencies will renew their licenses by May 1 of each odd year.

The Bureau has worked closely with the Virginia Insurance Continuing Education Board to coordinate implementation of the new processes for CE requirements.

For questions, contact the Bureau of Insurance Agent Licensing Section at or call 804-371-9631 or visit its website at


Contact: Katha Treanor, 804-371-9141

RICHMOND – Beginning January 1, 2021, fingerprinting will be among the requirements for individuals living in Virginia who are interested in becoming licensed insurance agents in the Commonwealth. Fingerprinting will be conducted using “live scan” technology, which digitally captures and transmits the fingerprints to the Virginia State Police and the Federal Bureau of Investigation (FBI) for background checks.

The new requirement is the result of legislation passed by the 2019 Virginia General Assembly that requires the submission of fingerprints with applications for resident insurance licenses. This requirement, however, does not pertain to license renewal applications.

The State Corporation Commission’s (SCC) Bureau of Insurance (Bureau) has contracted with Fieldprint, which provides a complete electronic fingerprinting process from collection through transmission to the FBI. Used by several other state agencies in the Commonwealth, Fieldprint is authorized to send fingerprints to the FBI.

For insurance license applications requiring fingerprinting, the process is simple:

  • Create a secure user account on Fieldprint’s website by going to, and use Fieldprint Code “FPVABOICHRR” to ensure that the results from the fingerprint review are provided to the Bureau of Insurance.
  • Enter all demographic information required by the Commonwealth of Virginia and the FBI to conduct a fingerprint-based background check.
  • Search for a fingerprinting location at one of Fieldprint’s 46 locations across Virginia or elsewhere in the United States and schedule a 10-minute appointment at a date and time that fits your schedule.
  • When you arrive to be fingerprinted, bring your appointment number and two forms of valid identification such as a driver’s license or passport. Your fingerprints are collected electronically by Fieldprint’s trained technicians and are electronically transmitted to the Virginia State Police and FBI for a background check. The results are then sent to the Bureau of Insurance for review.

The fingerprinting cost is $35.72 which includes fees required by the Virginia State Police and FBI. Applicants can pay the fee by credit card when setting up their appointment with Fieldprint. Companies and agencies that wish to set up an account to pay for their employees may contact the Fieldprint Customer Service Team at 877-614-4364 or

If an applicant does not have any criminal history, the results should be available within 24-48 hours. For individuals who have a criminal history requiring research, a final decision may take up to 60 days.

Applicants must submit their application for an insurance license within 90 days of submitting their fingerprints to Fieldprint. When applying for another insurance license, fingerprinting is not required if the applicant previously submitted fingerprints within the last 12 months and the applicant is currently licensed as an insurance agent.

The new fingerprinting requirements are among numerous changes for insurance agents in Virginia that become effective January 1, 2021. The changes, which include the switch from perpetual agent licenses to biennial license renewal, fee changes, and changes regarding continuing education (CE) due dates, are designed to create greater efficiencies and transparency by ensuring that agent information is updated regularly and to coordinate an agent’s license date with their CE due date. The changes also are designed to identify license applicants with criminal histories outside of Virginia.

For questions, contact the Bureau of Insurance Agent Licensing Section at or call 804-371-9631.


Contact: Katha Treanor, 804-371-9141

RICHMOND – The toll-free National Suicide Prevention Lifeline (NSPL) is a critical emergency resource and can be reached, day or night, at 800-273-8255. Starting in July 2022, the NSPL will also be getting its own three-digit dialing number – 988 – as approved by the Federal Communications Commission (FCC) earlier this year. Dialing 988 will therefore directly reach the NSPL.

Before that can happen, dialing changes will be necessary in two Virginia area codes – 804 and 276 – starting in late April 2021.

In the Richmond region (area code 804) and the Southwest Virginia region (area code 276), 988 is an existing working prefix (i.e., the first three numbers dialed after the area code) for local exchanges in those area codes that currently permit seven-digit dialing to make a local call. To prepare for 988 becoming a national number for the NSPL, 10-digit dialing (area code + phone number) will be required to make local calls in those two geographic regions.

Virginia is not alone. There are 81 area codes in 36 other states that must also prepare for 10-digit dialing to accommodate the 988 national number roll-out.

The State Corporation Commission, the FCC and the telephone industry will be reminding consumers of this change in the 804 and 276 area codes over the next 18 months. The timeline for implementation is as follows:

  • April 24, 2021 – permissive 10-digit dialing begins for all local calls
  • October 24, 2021 – mandatory 10-digit dialing required for all local calls
  • July 16, 2022 – 988 for NSPL is active

Very little else will change for telephone users inside the 804 and 276 area codes. The NSPL is – and will always be – available at 1-800-273-8255. Other three-digit services – like 211, 711, 811, and 911 – are not affected. Telephone numbers, coverage areas, local call boundaries, and area code numbers remain the same.

The Substance Abuse and Mental Health Services Administration estimates that roughly four percent of Virginia adults live with serious mental health conditions. While the holiday season brings joy and relaxation to some, it also may mean stress and sadness for others. During the holiday season and beyond, it is particularly crucial to be aware of available mental health resources such as the NSPL hotline (800-273-8255) and As always, 911 is available for emergency situations.

For more information about phone service changes regarding the NSPL’s upcoming 988 number, visit the FCC website at


Contact: Ford Carson, 804-371-9141

RICHMOND – The 2020 Atlantic hurricane season may be over, but the State Corporation Commission’s (SCC) Bureau of Insurance (Bureau) cautions Virginians not to let their guard down when it comes to the threat of floods. Heavy rains, saturated soil, melting snow and ice, broken dams and a lack of vegetation due to wildfires, development or other causes are just a few factors that can contribute to flooding.

The Bureau reminds Virginians that homeowners, renters and commercial insurance policies typically do not cover damage or loss caused by a flood event. “Floods can happen anywhere and anytime,” said Virginia Insurance Commissioner Scott A. White. “Even a few inches of water can cause extensive damage to your home and its contents.”

White encourages Virginians to assess their flood risk and protect themselves financially before the waters start to rise. If you live in a floodplain near a river, or if you live near the coast, it is especially important to consider purchasing separate flood insurance for your home. However, keep in mind that even low-risk communities can experience flooding.

Although homeowners, renters and commercial insurance policies issued in Virginia typically do not provide coverage for damage to your home, business and belongings caused by floods, the federal government does sell insurance for direct flood and flood-related damage through the National Flood Insurance Program (NFIP). This federally backed flood insurance is available to homeowners, renters and business owners, and offers separate coverage for structures and contents. “There is usually a 30-day waiting period before a new flood insurance policy takes effect, so the time to plan is now,” White said.

For more information about flood insurance, contact your insurance agent or the NFIP at 1-800-427-4661 or or visit Some private insurers also offer their own flood insurance policies, so check with your insurance agent about the availability of a private flood insurance policy. In either case, ask whether your flood policy provides coverage for your personal property.

Virginians also should consider whether their auto insurance covers flood damage to their vehicles. Unlike homeowners insurance, auto insurance generally covers damage caused by flooding. However, the policyholder must have other-than-collision (also known as comprehensive) coverage on their vehicle. This coverage pays for damage to a vehicle from such things as fire, water, hail, vandalism, glass breakage, wind and falling objects.

The SCC’s Bureau of Insurance offers consumer guides regarding homeowners and auto insurance and disaster-related property insurance claims. For copies of the guides or other publications offered by the Bureau of Insurance or answers to your insurance questions, contact the Bureau of Insurance Property and Casualty Consumer Services Section at 804-371-9185 in Richmond or toll-free at 1-877-310-6560. Copies of the consumer insurance guides are also available on the Bureau’s website at


Contact: Katha Treanor, 804-371-9141

RICHMOND – The Advisory Committee for the Virginia Health Benefit Exchange (Advisory Committee) will hold its inaugural meeting virtually at 1 p.m. on December 7. The Advisory Committee was established to advise and provide recommendations to the Virginia Health Benefit Exchange (Exchange) in carrying out Exchange purposes and duties. The Exchange was created by the 2020 Virginia General Assembly to be an online marketplace where qualified individuals can shop for, compare and enroll in health insurance coverage. The Exchange also provides a small employer program where eligible employees of qualified small employers will be able to enroll in coverage.

The Advisory Committee includes five members appointed by the Governor, five members appointed by the State Corporation Commission (Commission) and five ex-officio members. As part of this inaugural meeting, the members of the Advisory Committee will elect a chair and vice-chair as well as discuss associated committee procedural matters, goals and objectives of the committee and the upcoming state-based exchange platform development project.

The meeting begins at 1 p.m. on Monday, December 7, and will be webcast at  If anyone from the public wishes to comment during the meeting, they must pre-register with the SCC by 5 p.m. on Thursday, December 3, as further provided below. Public witnesses will be called by SCC staff on December 7 in the order in which they registered.

To comment during the meeting, public witnesses must pre-register by 5 p.m. on Thursday, December 3, as follows:

  • Complete the form associated with the meeting date on the webcast page at the address noted above, and email to, or
  • Call the SCC at 804-371-1532 during normal business hours (8:15 a.m. – 5 p.m.) and provide the name and phone number the Commission should dial to reach you during the meeting.

For additional information about the Exchange, visit


Contact: Katha Treanor, 804-371-9141

RICHMOND – Appalachian Power Company has earned a rate of return (profit) that is within the range authorized by Virginia utility law for calendar years 2017, 2018 and 2019. The State Corporation Commission (SCC) made the finding following a triennial financial review of the company in which it was seeking an increase in rates.

The SCC order means Appalachian Power does not receive a rate increase. And, it means customers are not due refunds. The company was seeking to increase rates by approximately $10 per month for a typical residential customer using 1,000 kilowatt hours of electricity.

The company’s authorized rate of return on equity during the three-year review period was 9.42 percent. After reviewing the reasonableness of the company’s expenses and revenues during the period, the Commission determined the company earned slightly above that level.

The Commission also set a new authorized rate of return on equity of 9.2 percent. That is the rate that will be used to evaluate the company’s earnings during the next triennial financial review case in 2023. It will also be the return used for any new rate riders or adjustments to existing riders.

In its final order, the Commission made the following determinations:

  • denied the company’s request to apply the 2015 planned retirements of three coal-fired power plants to 2019 earnings.
  • denied a request to increase the residential basic service charge from $7.96 to $14.
  • denied implementation of a residential rate design that would have charged higher rates during summer months and lower rates during the winter. The company will continue charging the same residential rate year-round.
  • approved voluntary energy efficiency rate schedules to provide residential customers with pricing signals that shift consumption to hours when demand is less, and prices are lower (Smart Demand and Time-of-Use).


Contact: Ken Schrad, 804-371-9858

Case Number PUR-2020-00015 – Application of Appalachian Power Company for a 2020 triennial review of its base rates, terms and conditions
View Final Order 

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