2020 -- H 7339

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LC003555

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     STATE OF RHODE ISLAND

IN GENERAL ASSEMBLY

JANUARY SESSION, A.D. 2020

____________

A N   A C T

RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES

     

     Introduced By: Representatives Edwards, Newberry, Canario, Vella-Wilkinson, and
Kennedy

     Date Introduced: January 29, 2020

     Referred To: House Health, Education & Welfare

     It is enacted by the General Assembly as follows:

1

     SECTION 1. Section 27-18-76 of the General Laws in Chapter 27-18 entitled "Accident

2

and Sickness Insurance Policies" is hereby amended to read as follows:

3

     27-18-76. Emergency services.

4

     (a) As used in this section:

5

     (1) "Emergency medical condition" means a medical condition manifesting itself by acute

6

symptoms of sufficient severity (including severe pain) so that a prudent layperson, who

7

possesses an average knowledge of health and medicine, could reasonably expect the absence of

8

immediate medical attention to result in a condition: (i) Placing the health of the individual, or

9

with respect to a pregnant woman her unborn child, in serious jeopardy; (ii) Constituting a serious

10

impairment to bodily functions; or (iii) Constituting a serious dysfunction of any bodily organ or

11

part.

12

     (2) "Emergency services" means, with respect to an emergency medical condition:

13

     (A) A medical screening examination (as required under section 1867 of the Social

14

Security Act, 42 U.S.C. § 1395dd) that is within the capability of the emergency department of a

15

hospital, including ancillary services routinely available to the emergency department to evaluate

16

such emergency medical condition, and

17

     (B) Such further medical examination and treatment, to the extent they are within the

18

capabilities of the staff and facilities available at the hospital, as are required under section 1867

19

of the Social Security Act (42 U.S.C. § 1395dd) to stabilize the patient.

 

1

     (3) "Stabilize", with respect to an emergency medical condition has the meaning given in

2

§ 1867(e)(3) of the Social Security Act (42 U.S.C. § 1395dd(e)(3)).

3

     (b) If a health insurance carrier offering health insurance coverage provides any benefits

4

with respect to services in an emergency department of a hospital, the carrier must cover

5

emergency services in compliance with this section.

6

     (c) A health insurance carrier shall provide coverage for emergency services in the

7

following manner:

8

     (1) Without the need for any prior authorization determination, even if the emergency

9

services are provided on an out-of-network basis;

10

     (2) Without regard to whether the health care provider furnishing the emergency services

11

is a participating network provider with respect to the services;

12

     (3) If the emergency services are provided out of network, without imposing any

13

administrative requirement or limitation on coverage that is more restrictive than the requirements

14

or limitations that apply to emergency services received from in-network providers;

15

     (4) If the emergency services are provided out of network, by complying with the cost-

16

sharing requirements of subsection (d) of this section; and

17

     (5) Without regard to any other term or condition of the coverage, other than:

18

     (A) The exclusion of or coordination of benefits;

19

     (B) An affiliation or waiting period permitted under part 7 of federal ERISA, part A of

20

title XXVII of the federal PHS Act, or chapter 100 of the federal Internal Revenue Code; or

21

     (C) Applicable cost-sharing.

22

     (d)(1) Any cost-sharing requirement expressed as a copayment amount or coinsurance

23

rate imposed with respect to a participant or beneficiary for out-of-network emergency services

24

cannot exceed the cost-sharing requirement imposed with respect to a participant or beneficiary if

25

the services were provided in-network; provided, however, that a participant or beneficiary may

26

be required to pay, in addition to the in-network cost-sharing, the excess of the amount the out-of-

27

network provider charges over the amount the health insurance carrier is required to pay under

28

subdivision (1) of this subsection shall incur no greater out-of-pocket costs for the emergency

29

services than the participant or beneficiary would have incurred with an in-network provider

30

other than the in-network cost sharing. A health insurance carrier complies with the requirements

31

of this subsection if it provides benefits with respect to an emergency service in an amount equal

32

to the greatest of the three amounts specified in subdivisions (A), (B), and (C) of this subdivision

33

(1) (which are adjusted for in-network cost-sharing requirements).

34

     (A) The amount negotiated with in-network providers for the emergency service

 

LC003555 - Page 2 of 12

1

furnished, excluding any in-network copayment or coinsurance imposed with respect to the

2

participant or beneficiary. If there is more than one amount negotiated with in-network providers

3

for the emergency service, the amount described under this subdivision (A) is the median of these

4

amounts, excluding any in-network copayment or coinsurance imposed with respect to the

5

participant or beneficiary. In determining the median described in the preceding sentence, the

6

amount negotiated with each in-network provider is treated as a separate amount (even if the

7

same amount is paid to more than one provider). If there is no per-service amount negotiated with

8

in-network providers (such as under a capitation or other similar payment arrangement), the

9

amount under this subdivision (A) is disregarded.

10

     (B) The amount for the emergency service shall be calculated using the same method the

11

plan generally uses to determine payments for out-of-network services (such as the usual,

12

customary, and reasonable amount), excluding any in-network copayment or coinsurance

13

imposed with respect to the participant or beneficiary. The amount in this subdivision (B) is

14

determined without reduction for out-of-network cost-sharing that generally applies under the

15

plan or health insurance coverage with respect to out-of-network services.

16

     (C) The amount that would be paid under Medicare (part A or part B of title XVIII of the

17

Social Security Act, 42 U.S.C. § 1395 et seq.) for the emergency service, excluding any in-

18

network copayment or coinsurance imposed with respect to the participant or beneficiary.

19

     (2) Any cost-sharing requirement other than a copayment or coinsurance requirement

20

(such as a deductible or out-of-pocket maximum) may be imposed with respect to emergency

21

services provided out of network if the cost-sharing requirement generally applies to out-of-

22

network benefits. A deductible may be imposed with respect to out-of-network emergency

23

services only as part of a deductible that generally applies to out-of-network benefits. If an out-of-

24

pocket maximum generally applies to out-of-network benefits, that out-of-pocket maximum must

25

apply to out-of-network emergency services.

26

     (e) The provisions of this section apply for plan years beginning on or after September

27

23, 2010.

28

     (f) This section shall not apply to grandfathered health plans. This section shall not apply

29

to insurance coverage providing benefits for: (1) hospital confinement indemnity; (2) disability

30

income; (3) accident only; (4) long term care; (5) Medicare supplement; (6) limited benefit

31

health; (7) specified disease indemnity; (8) sickness or bodily injury or death by accident or both;

32

and (9) other limited benefit policies.

33

     SECTION 2. Section 27-19-66 of the General Laws in Chapter 27-19 entitled "Nonprofit

34

Hospital Service Corporations" is hereby amended to read as follows:

 

LC003555 - Page 3 of 12

1

     27-19-66. Emergency services.

2

     (a) As used in this section:

3

     (1) "Emergency medical condition" means a medical condition manifesting itself by acute

4

symptoms of sufficient severity (including severe pain) so that a prudent layperson, who

5

possesses an average knowledge of health and medicine, could reasonably expect the absence of

6

immediate medical attention to result in a condition: (i) Placing the health of the individual, or

7

with respect to a pregnant woman her unborn child, in serious jeopardy; (ii) Constituting a serious

8

impairment to bodily functions; or (iii) Constituting a serious dysfunction of any bodily organ or

9

part.

10

     (2) "Emergency services" means, with respect to an emergency medical condition:

11

     (A) A medical screening examination (as required under section 1867 of the Social

12

Security Act, 42 U.S.C. § 1395dd) that is within the capability of the emergency department of a

13

hospital, including ancillary services routinely available to the emergency department to evaluate

14

such emergency medical condition, and

15

     (B) Such further medical examination and treatment, to the extent they are within the

16

capabilities of the staff and facilities available at the hospital, as are required under section 1867

17

of the Social Security Act (42 U.S.C. § 1395dd) to stabilize the patient.

18

     (3) "Stabilize", with respect to an emergency medical condition has the meaning given in

19

section 1867(e)(3) of the Social Security Act (42 U.S.C. § 1395dd(e)(3)).

20

     (b) If a nonprofit hospital service corporation provides any benefits to subscribers with

21

respect to services in an emergency department of a hospital, the plan must cover emergency

22

services consistent with the rules of this section.

23

     (c) A nonprofit hospital service corporation shall provide coverage for emergency

24

services in the following manner:

25

     (1) Without the need for any prior authorization determination, even if the emergency

26

services are provided on an out-of-network basis;

27

     (2) Without regard to whether the health-care provider furnishing the emergency services

28

is a participating network provider with respect to the services;

29

     (3) If the emergency services are provided out of network, without imposing any

30

administrative requirement or limitation on coverage that is more restrictive than the requirements

31

or limitations that apply to emergency services received from in-network providers;

32

     (4) If the emergency services are provided out of network, by complying with the cost-

33

sharing requirements of subsection (d) of this section; and

34

     (5) Without regard to any other term or condition of the coverage, other than:

 

LC003555 - Page 4 of 12

1

     (A) The exclusion of or coordination of benefits;

2

     (B) An affiliation or waiting period permitted under part 7 of federal ERISA, part A of

3

title XXVII of the federal PHS Act, or chapter 100 of the federal Internal Revenue Code; or

4

     (C) Applicable cost sharing.

5

     (d)(1) Any cost-sharing requirement expressed as a copayment amount or coinsurance

6

rate imposed with respect to a participant or beneficiary for out-of-network emergency services

7

cannot exceed the cost-sharing requirement imposed with respect to a participant or beneficiary if

8

the services were provided in-network. However, a participant or beneficiary may be required to

9

pay, in addition to the in-network cost-sharing, the excess of the amount the out-of-network

10

provider charges over the amount the health insurance carrier is required to pay under subdivision

11

(1) of this subsection shall incur no greater out-of-pocket costs for the emergency services than

12

the participant or beneficiary would have incurred with an in-network provider other than the in-

13

network cost sharing. A group health plan or health insurance carrier complies with the

14

requirements of this subsection if it provides benefits with respect to an emergency service in an

15

amount equal to the greatest of the three amounts specified in subdivisions (A), (B), and (C) of

16

this subdivision (1) (which are adjusted for in-network cost-sharing requirements).

17

     (A) The amount negotiated with in-network providers for the emergency service

18

furnished, excluding any in-network copayment or coinsurance imposed with respect to the

19

participant or beneficiary. If there is more than one amount negotiated with in-network providers

20

for the emergency service, the amount described under this subdivision (A) is the median of these

21

amounts, excluding any in-network copayment or coinsurance imposed with respect to the

22

participant or beneficiary. In determining the median described in the preceding sentence, the

23

amount negotiated with each in-network provider is treated as a separate amount (even if the

24

same amount is paid to more than one provider). If there is no per-service amount negotiated with

25

in-network providers (such as under a capitation or other similar payment arrangement), the

26

amount under this subdivision (A) is disregarded.

27

     (B) The amount for the emergency service shall be calculated using the same method the

28

plan generally uses to determine payments for out-of-network services (such as the usual,

29

customary, and reasonable amount), excluding any in-network copayment or coinsurance

30

imposed with respect to the participant or beneficiary. The amount in this subdivision (B) is

31

determined without reduction for out-of-network cost sharing that generally applies under the

32

plan or health insurance coverage with respect to out-of-network services. Thus, for example, if a

33

plan generally pays seventy percent (70%) of the usual, customary, and reasonable amount for

34

out-of-network services, the amount in this subdivision (B) for an emergency service is the total,

 

LC003555 - Page 5 of 12

1

that is, one hundred percent (100%), of the usual, customary, and reasonable amount for the

2

service, not reduced by the thirty percent (30%) coinsurance that would generally apply to out-of-

3

network services (but reduced by the in-network copayment or coinsurance that the individual

4

would be responsible for if the emergency service had been provided in-network).

5

     (C) The amount that would be paid under Medicare (part A or part B of title XVIII of the

6

Social Security Act, 42 U.S.C. § 1395 et seq.) for the emergency service, excluding any in-

7

network copayment or coinsurance imposed with respect to the participant or beneficiary.

8

     (2) Any cost-sharing requirement other than a copayment or coinsurance requirement

9

(such as a deductible or out-of-pocket maximum) may be imposed with respect to emergency

10

services provided out of network if the cost-sharing requirement generally applies to out-of-

11

network benefits. A deductible may be imposed with respect to out-of-network emergency

12

services only as part of a deductible that generally applies to out-of-network benefits. If an out-of-

13

pocket maximum generally applies to out-of-network benefits, that out-of-pocket maximum must

14

apply to out-of-network emergency services.

15

     (e) The provisions of this section apply for plan years beginning on or after September

16

23, 2010.

17

     (f) This section shall not apply to insurance coverage providing benefits for: (1) Hospital

18

confinement indemnity; (2) Disability income; (3) Accident only; (4) Long-term care; (5)

19

Medicare supplement; (6) Limited benefit health; (7) Specified disease indemnity; (8) Sickness or

20

bodily injury or death by accident or both; and (9) Other limited benefit policies.

21

     SECTION 3. Section 27-20-62 of the General Laws in Chapter 27-20 entitled "Nonprofit

22

Medical Service Corporations" is hereby amended to read as follows:

23

     27-20-62. Emergency services.

24

     (a) As used in this section:

25

     (1) "Emergency medical condition" means a medical condition manifesting itself by acute

26

symptoms of sufficient severity (including severe pain) so that a prudent layperson, who

27

possesses an average knowledge of health and medicine, could reasonably expect the absence of

28

immediate medical attention to result in a condition: (i) Placing the health of the individual, or

29

with respect to a pregnant woman her unborn child, in serious jeopardy; (ii) Constituting a serious

30

impairment to bodily functions; or (iii) Constituting a serious dysfunction of any bodily organ or

31

part.

32

     (2) "Emergency services" means, with respect to an emergency medical condition:

33

     (A) A medical screening examination (as required under section 1867 of the Social

34

Security Act, 42 U.S.C. § 1395dd) that is within the capability of the emergency department of a

 

LC003555 - Page 6 of 12

1

hospital, including ancillary services routinely available to the emergency department to evaluate

2

such emergency medical condition, and

3

     (B) Such further medical examination and treatment, to the extent they are within the

4

capabilities of the staff and facilities available at the hospital, as are required under section 1867

5

of the Social Security Act (42 U.S.C. § 1395dd) to stabilize the patient.

6

     (3) "Stabilize", with respect to an emergency medical condition has the meaning given in

7

section 1867(e)(3) of the Social Security Act (42 U.S.C. § 1395dd(e)(3)).

8

     (b) If a nonprofit medical service corporation offering health insurance coverage provides

9

any benefits with respect to services in an emergency department of a hospital, it must cover

10

emergency services consistent with the rules of this section.

11

     (c) A nonprofit medical service corporation shall provide coverage for emergency

12

services in the following manner:

13

     (1) Without the need for any prior authorization determination, even if the emergency

14

services are provided on an out-of-network basis;

15

     (2) Without regard to whether the health care provider furnishing the emergency services

16

is a participating network provider with respect to the services;

17

     (3) If the emergency services are provided out of network, without imposing any

18

administrative requirement or limitation on coverage that is more restrictive than the requirements

19

or limitations that apply to emergency services received from in-network providers;

20

     (4) If the emergency services are provided out of network, by complying with the cost-

21

sharing requirements of subsection (d) of this section; and

22

     (5) Without regard to any other term or condition of the coverage, other than:

23

     (A) The exclusion of or coordination of benefits;

24

     (B) An affiliation or waiting period permitted under part 7 of federal ERISA, part A of

25

title XXVII of the federal PHS Act, or chapter 100 of the federal Internal Revenue Code; or

26

     (C) Applicable cost-sharing.

27

     (d)(1) Any cost-sharing requirement expressed as a copayment amount or coinsurance

28

rate imposed with respect to a participant or beneficiary for out-of-network emergency services

29

cannot exceed the cost-sharing requirement imposed with respect to a participant or beneficiary if

30

the services were provided in-network. However, a participant or beneficiary may be required to

31

pay, in addition to the in-network cost-sharing, the excess of the amount the out-of-network

32

provider charges over the amount the health insurance carrier is required to pay under subdivision

33

(1) of this subsection shall incur no greater out-of-pocket costs for the emergency services than

34

the participant or beneficiary would have incurred with an in-network provider other than the in-

 

LC003555 - Page 7 of 12

1

network cost sharing. A group health plan or health insurance carrier complies with the

2

requirements of this subsection if it provides benefits with respect to an emergency service in an

3

amount equal to the greatest of the three amounts specified in subdivisions (A), (B), and (C) of

4

this subdivision (1) (which are adjusted for in-network cost-sharing requirements).

5

     (A) The amount negotiated with in-network providers for the emergency service

6

furnished, excluding any in-network copayment or coinsurance imposed with respect to the

7

participant or beneficiary. If there is more than one amount negotiated with in-network providers

8

for the emergency service, the amount described under this subdivision (A) is the median of these

9

amounts, excluding any in-network copayment or coinsurance imposed with respect to the

10

participant or beneficiary. In determining the median described in the preceding sentence, the

11

amount negotiated with each in-network provider is treated as a separate amount (even if the

12

same amount is paid to more than one provider). If there is no per-service amount negotiated with

13

in-network providers (such as under a capitation or other similar payment arrangement), the

14

amount under this subdivision (A) is disregarded.

15

     (B) The amount for the emergency service shall be calculated using the same method the

16

plan generally uses to determine payments for out-of-network services (such as the usual,

17

customary, and reasonable amount), excluding any in-network copayment or coinsurance

18

imposed with respect to the participant or beneficiary. The amount in this subdivision (B) is

19

determined without reduction for out-of-network cost-sharing that generally applies under the

20

plan or health insurance coverage with respect to out-of-network services.

21

     (C) The amount that would be paid under Medicare (part A or part B of title XVIII of the

22

Social Security Act, 42 U.S.C. § 1395 et seq.) for the emergency service, excluding any in-

23

network copayment or coinsurance imposed with respect to the participant or beneficiary.

24

     (2) Any cost-sharing requirement other than a copayment or coinsurance requirement

25

(such as a deductible or out-of-pocket maximum) may be imposed with respect to emergency

26

services provided out of network if the cost-sharing requirement generally applies to out-of-

27

network benefits. A deductible may be imposed with respect to out-of-network emergency

28

services only as part of a deductible that generally applies to out-of-network benefits. If an out-of-

29

pocket maximum generally applies to out-of-network benefits, that out-of-pocket maximum must

30

apply to out-of-network emergency services.

31

     (f) The provisions of this section shall apply to grandfathered health plans. This section

32

shall not apply to insurance coverage providing benefits for: (1) Hospital confinement indemnity;

33

(2) Disability income; (3) Accident only; (4) Long-term care; (5) Medicare supplement; (6)

34

Limited benefit health; (7) Specified disease indemnity; (8) Sickness or bodily injury or death by

 

LC003555 - Page 8 of 12

1

accident or both; and (9) Other limited benefit policies.

2

     SECTION 4. Section 27-41-79 of the General Laws in Chapter 27-41 entitled "Health

3

Maintenance Organizations" is hereby amended to read as follows:

4

     27-41-79. Emergency services.

5

     (a) As used in this section:

6

     (1) "Emergency medical condition" means a medical condition manifesting itself by acute

7

symptoms of sufficient severity (including severe pain) so that a prudent layperson, who

8

possesses an average knowledge of health and medicine, could reasonably expect the absence of

9

immediate medical attention to result in a condition: (i) Placing the health of the individual, or

10

with respect to a pregnant woman her unborn child in serious jeopardy; (ii) Constituting a serious

11

impairment to bodily functions; or (iii) Constituting a serious dysfunction of any bodily organ or

12

part.

13

     (2) "Emergency services" means, with respect to an emergency medical condition:

14

     (A) A medical screening examination (as required under section 1867 of the Social

15

Security Act, 42 U.S.C. § 1395dd) that is within the capability of the emergency department of a

16

hospital, including ancillary services routinely available to the emergency department to evaluate

17

such emergency medical condition, and

18

     (B) Such further medical examination and treatment, to the extent they are within the

19

capabilities of the staff and facilities available at the hospital, as are required under section 1867

20

of the Social Security Act (42 U.S.C. § 1395dd) to stabilize the patient.

21

     (3) "Stabilize", with respect to an emergency medical condition has the meaning given in

22

section 1867(e)(3) of the Social Security Act (42 U.S.C. § 1395dd(e)(3)).

23

     (b) If a health maintenance organization offering group health insurance coverage

24

provides any benefits with respect to services in an emergency department of a hospital, it must

25

cover emergency services consistent with the rules of this section.

26

     (c) A health maintenance organization shall provide coverage for emergency services in

27

the following manner:

28

     (1) Without the need for any prior authorization determination, even if the emergency

29

services are provided on an out-of-network basis;

30

     (2) Without regard to whether the health care provider furnishing the emergency services

31

is a participating network provider with respect to the services;

32

     (3) If the emergency services are provided out of network, without imposing any

33

administrative requirement or limitation on coverage that is more restrictive than the requirements

34

or limitations that apply to emergency services received from in-network providers;

 

LC003555 - Page 9 of 12

1

     (4) If the emergency services are provided out of network, by complying with the cost-

2

sharing requirements of subsection (d) of this section; and

3

     (5) Without regard to any other term or condition of the coverage, other than:

4

     (A) The exclusion of or coordination of benefits;

5

     (B) An affiliation or waiting period permitted under part 7 of federal ERISA, part A of

6

title XXVII of the federal PHS Act, or chapter 100 of the federal Internal Revenue Code; or

7

     (C) Applicable cost sharing.

8

     (d)(1) Any cost-sharing requirement expressed as a copayment amount or coinsurance

9

rate imposed with respect to a participant or beneficiary for out-of-network emergency services

10

cannot exceed the cost-sharing requirement imposed with respect to a participant or beneficiary if

11

the services were provided in-network; provided, however, that a participant or may be required

12

to pay, in addition to the in-network cost-sharing, the excess of the amount the out-of-network

13

provider charges over the amount the health insurance carrier is required to pay under subdivision

14

(1) of this subsection shall incur no greater out-of-pocket costs for the emergency services than

15

the participant or beneficiary would have incurred with an in-network provider other than the in-

16

network cost sharing. A health maintenance organization complies with the requirements of this

17

subsection if it provides benefits with respect to an emergency service in an amount equal to the

18

greatest of the three amounts specified in subdivisions (A), (B), and (C) of this subdivision (1)

19

(which are adjusted for in-network cost-sharing requirements).

20

     (A) The amount negotiated with in-network providers for the emergency service

21

furnished, excluding any in-network copayment or coinsurance imposed with respect to the

22

participant or beneficiary. If there is more than one amount negotiated with in-network providers

23

for the emergency service, the amount described under this subdivision (A) is the median of these

24

amounts, excluding any in-network copayment or coinsurance imposed with respect to the

25

participant or beneficiary. In determining the median described in the preceding sentence, the

26

amount negotiated with each in-network provider is treated as a separate amount (even if the

27

same amount is paid to more than one provider). If there is no per-service amount negotiated with

28

in-network providers (such as under a capitation or other similar payment arrangement), the

29

amount under this subdivision (A) is disregarded.

30

     (B) The amount for the emergency service calculated using the same method the plan

31

generally uses to determine payments for out-of-network services (such as the usual, customary,

32

and reasonable amount), excluding any in-network copayment or coinsurance imposed with

33

respect to the participant or beneficiary. The amount in this subdivision (B) is determined without

34

reduction for out-of-network cost sharing that generally applies under the plan or health insurance

 

LC003555 - Page 10 of 12

1

coverage with respect to out-of-network services.

2

     (C) The amount that would be paid under Medicare (part A or part B of title XVIII of the

3

Social Security Act, 42 U.S.C. § 1395 et seq.) for the emergency service, excluding any in-

4

network copayment or coinsurance imposed with respect to the participant or beneficiary.

5

     (2) Any cost-sharing requirement other than a copayment or coinsurance requirement

6

(such as a deductible or out-of-pocket maximum) may be imposed with respect to emergency

7

services provided out of network if the cost-sharing requirement generally applies to out-of-

8

network benefits. A deductible may be imposed with respect to out-of-network emergency

9

services only as part of a deductible that generally applies to out-of-network benefits. If an out-of-

10

pocket maximum generally applies to out-of-network benefits, that out-of-pocket maximum must

11

apply to out-of-network emergency services.

12

     (e) The provisions of this section apply for plan years beginning on or after September

13

23, 2010.

14

     (f) The provisions of this section shall apply to grandfathered health plans. This section

15

shall not apply to insurance coverage providing benefits for: (1) Hospital confinement indemnity;

16

(2) Disability income; (3) Accident only; (4) Long-term care; (5) Medicare supplement; (6)

17

Limited benefit health; (7) Specified disease indemnity; (8) Sickness or bodily injury or death by

18

accident or both; and (9) Other limited benefit policies.

19

     SECTION 5. This act shall take effect upon passage.

========

LC003555

========

 

LC003555 - Page 11 of 12

EXPLANATION

BY THE LEGISLATIVE COUNCIL

OF

A N   A C T

RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES

***

1

     This act would require that a participant or beneficiary incur no greater out-of-pocket

2

costs for emergency services than they would have incurred with an in-network provider other

3

than in-network cost sharing.

4

     This act would take effect upon passage.

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LC003555

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LC003555 - Page 12 of 12