SB 48 – Modifies provisions relating to short-term major medical insurance policies

• Sponsor: Koenig
• LR Number: 0292S.02I
• Committee: Insurance and Banking
• Last Action: 2/6/2019 - SCS Voted Do Pass S Insurance and Banking Committee (0292S.03C)
• Effective Date: August 28, 2019

Current Bill Summary

SCS/SB 48 - This act specifies that all short-term major medical policies sold in the state shall include on applications and fact pages a conspicuous and clearly labeled paragraph stating that the policy may not cover preexisting conditions or essential health benefits, and a recommendation to discuss the policy with the individual's insurance broker. (Section 376.008)

This act exempts short-term major medical policies with durations of one year or less from the requirement to offer policy renewals. (Section 376.452 and 376.454)

This act also specifies that certain health insurance mandates shall not apply to short-term major medical policies with durations of one year or less. The act exempts the policies from mandates regarding:

• Human immunodeficiency virus infection (Section 191.671);

• Clinical trial coverage (Section 376.429);

• Alcoholism treatment (Section 376.779);

• Mammography screenings (Section 376.782);

• Chemical dependency (Section 376.811);

• Eating disorders (Section 376.845);

• Obstetrical/gynocological Services (Section 376.1199);

• Mastectomy reconstruction and prosthetics (Section 376.1209);

• Maternity (Section 376.1210);

• Childhood immunizations (Section 376.1215);

• First Steps for children eligible for Part C early intervention (Section 376.1218);

• Phenylketonuria (PKU) testing and formula (Section 376.1219);

• Newborn infant hearing screening (Section 376.1220);

• Autism spectrum disorders (Section 376.1224);

• Hospital dental procedures (Section 376.1225);

• Chiropractic care (Section 376.1230);

• Physical and occupational therapy (Section 376.1235);

• Cancer screenings (Section 376.1250);

• Second opinion for cancer diagnosis (Section 376.1253);

• Oral chemotherapy (Section 376.1257);

• Antigen testing for bone marrow transplants (Section 376.1275);

• Mental health parity (Section 376.1550); and

• Telehealth services (Section 376.1900).

This act is identical to SCS/SB 860 (2018), and similar to HB 83 (2019), HB 582 (2019), HB 1020 (2019), provisions in HCS/SB 103 (2019), HB 1685 (2018), provisions in HB 708 (2017), and provisions in HCB 10 (2017).

ERIC VANDER WEERD

Amendments

No Amendments Found.