2024 -- S 2176

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LC004141

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     STATE OF RHODE ISLAND

IN GENERAL ASSEMBLY

JANUARY SESSION, A.D. 2024

____________

A N   A C T

RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES

     

     Introduced By: Senators DiMario, Lauria, Lawson, Pearson, Ujifusa, Valverde, Euer,
Murray, and Bissaillon

     Date Introduced: January 24, 2024

     Referred To: Senate Health & Human Services

     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 possesses

7

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

8

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

9

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

10

bodily functions; or (iii) Constituting a serious dysfunction of any bodily organ or part.

11

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

12

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

13

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

14

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

15

such emergency medical condition, and ;

16

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

17

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

18

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

19

     (iii) Transportation for emergency services by ambulance or rescue.

 

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 emergency

5

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 healthcare provider furnishing the emergency services is

11

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 title

20

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 rate

23

imposed with respect to a participant or beneficiary for out-of-network emergency services cannot

24

exceed the cost-sharing requirement imposed with respect to a participant or beneficiary if the

25

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

26

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. A health insurance carrier complies with the requirements of this

29

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

30

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

31

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

32

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

33

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

34

beneficiary. If there is more than one amount negotiated with in-network providers for the

 

LC004141 - Page 2 of 12

1

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

2

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

3

beneficiary. In determining the median described in the preceding sentence, the amount negotiated

4

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

5

more than one provider). If there is no per-service amount negotiated with in-network providers

6

(such as under a capitation or other similar payment arrangement), the amount under this

7

subdivision (A) is disregarded.

8

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

9

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

10

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

11

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

12

without reduction for out-of-network cost-sharing that generally applies under the plan or health

13

insurance coverage with respect to out-of-network services.

14

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

15

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

16

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

17

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

18

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

19

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

20

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

21

part of a deductible that generally applies to out-of-network benefits. If an out-of-pocket maximum

22

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

23

network emergency services.

24

     (e) The provisions of this section apply for plan years beginning on or after September 23,

25

2010.

26

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

27

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

28

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

29

(7) specified disease indemnity; (8) sickness or bodily injury or death by accident or both; and (9)

30

other limited benefit policies.

31

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

32

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

33

     27-19-66. Emergency services.

34

     (a) As used in this section:

 

LC004141 - Page 3 of 12

1

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

2

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

3

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

4

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

5

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

6

bodily functions; or (iii) Constituting a serious dysfunction of any bodily organ or part.

7

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

8

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

9

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

10

including ancillary services routinely available to the emergency department to evaluate such

11

emergency medical condition; and

12

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

13

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

14

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

15

     (iii) Transportation for emergency services by ambulance or rescue.

16

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

17

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

18

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

19

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

20

services consistent with the rules of this section.

21

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

22

in the following manner:

23

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

24

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

25

     (2) Without regard to whether the healthcare provider furnishing the emergency services is

26

a participating network provider with respect to the services;

27

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

28

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

29

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

30

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

31

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

32

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

33

     (i) The exclusion of or coordination of benefits;

34

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

 

LC004141 - Page 4 of 12

1

XXVII of the federal Public Health Service Act, or chapter 100 of the federal Internal Revenue

2

Code; or

3

     (iii) Applicable cost sharing.

4

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

5

imposed with respect to a participant or beneficiary for out-of-network emergency services cannot

6

exceed the cost-sharing requirement imposed with respect to a participant or beneficiary if the

7

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

8

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

9

charges over the amount the plan or health insurance carrier is required to pay under subsection

10

(d)(1). A group health plan or health insurance carrier complies with the requirements of this

11

subsection (d) if it provides benefits with respect to an emergency service in an amount equal to

12

the greatest of the three amounts specified in subsections (d)(1)(i), (d)(1)(ii), and (d)(1)(iii) of this

13

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

14

     (i) The amount negotiated with in-network providers for the emergency service furnished,

15

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

16

beneficiary. If there is more than one amount negotiated with in-network providers for the

17

emergency service, the amount described under this subsection (d)(1)(i) is the median of these

18

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

19

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

20

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

21

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

22

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

23

under this subsection (d)(1)(i) is disregarded.

24

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

25

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

26

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

27

with respect to the participant or beneficiary. The amount in this subsection (d)(1)(ii) is determined

28

without reduction for out-of-network cost sharing that generally applies under the plan or health

29

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

30

pays seventy percent (70%) of the usual, customary, and reasonable amount for out-of-network

31

services, the amount in this subsection (d)(1)(ii) for an emergency service is the total, that is, one

32

hundred percent (100%), of the usual, customary, and reasonable amount for the service, not

33

reduced by the thirty percent (30%) coinsurance that would generally apply to out-of-network

34

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

 

LC004141 - Page 5 of 12

1

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

2

     (iii) 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-network

4

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

5

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

6

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

7

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

8

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

9

part of a deductible that generally applies to out-of-network benefits. If an out-of-pocket maximum

10

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

11

network emergency services.

12

     (e) The provisions of this section apply for plan years beginning on or after September 23,

13

2010.

14

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

15

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

16

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

17

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

18

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

19

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

20

     27-20-62. Emergency services.

21

     (a) As used in this section:

22

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

23

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

24

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

25

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

26

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

27

bodily functions; or (iii) Constituting a serious dysfunction of any bodily organ or part.

28

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

29

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

30

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

31

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

32

emergency medical condition; and

33

     (ii) Further medical examination and treatment, to the extent they are within the capabilities

34

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

 

LC004141 - Page 6 of 12

1

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

2

     (iii) Transportation for emergency services by ambulance or rescue.

3

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

4

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

5

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

6

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

7

emergency services consistent with the rules of this section.

8

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

9

in the following manner:

10

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

11

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

12

     (2) Without regard to whether the healthcare provider furnishing the emergency services is

13

a participating network provider with respect to the services;

14

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

15

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

16

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

17

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

18

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

19

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

20

     (i) The exclusion of or coordination of benefits;

21

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

22

XXVII of the federal Public Health Service Act, or chapter 100 of the federal Internal Revenue

23

Code; or

24

     (iii) Applicable cost sharing.

25

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

26

imposed with respect to a participant or beneficiary for out-of-network emergency services cannot

27

exceed the cost-sharing requirement imposed with respect to a participant or beneficiary if the

28

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

29

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

30

charges over the amount the plan or health insurance carrier is required to pay under subsection

31

(d)(1). A group health plan or health insurance carrier complies with the requirements of this

32

subsection (d) if it provides benefits with respect to an emergency service in an amount equal to

33

the greatest of the three amounts specified in subsections (d)(1)(i), (d)(1)(ii), and (d)(1)(iii) of this

34

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

 

LC004141 - Page 7 of 12

1

     (i) The amount negotiated with in-network providers for the emergency service furnished,

2

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

3

beneficiary. If there is more than one amount negotiated with in-network providers for the

4

emergency service, the amount described under this subsection (d)(1)(i) is the median of these

5

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

6

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

7

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

8

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

9

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

10

under this subsection (d)(1)(i) is disregarded.

11

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

12

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

13

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

14

with respect to the participant or beneficiary. The amount in this subsection (d)(1)(ii) is determined

15

without reduction for out-of-network cost sharing that generally applies under the plan or health

16

insurance coverage with respect to out-of-network services.

17

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

18

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

19

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

20

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

21

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

22

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

23

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

24

part of a deductible that generally applies to out-of-network benefits. If an out-of-pocket maximum

25

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

26

network emergency services.

27

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

28

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

29

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

30

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

31

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

32

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

33

Maintenance Organizations" is hereby amended to read as follows:

34

     27-41-79. Emergency services.

 

LC004141 - Page 8 of 12

1

     (a) As used in this section:

2

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

3

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

4

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

5

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

6

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

7

bodily functions; or (iii) Constituting a serious dysfunction of any bodily organ or part.

8

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

9

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

10

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

11

including ancillary services routinely available to the emergency department to evaluate such

12

emergency medical condition; and

13

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

14

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

15

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

16

     (iii) Transportation for emergency services by ambulance or rescue.

17

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

18

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

19

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

20

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

21

emergency services consistent with the rules of this section.

22

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

23

the following manner:

24

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

25

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

26

     (2) Without regard to whether the healthcare provider furnishing the emergency services is

27

a participating network provider with respect to the services;

28

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

29

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

30

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

31

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

32

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

33

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

34

     (i) The exclusion of or coordination of benefits;

 

LC004141 - Page 9 of 12

1

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

2

XXVII of the federal Public Health Service Act, or chapter 100 of the federal Internal Revenue

3

Code; or

4

     (iii) Applicable cost sharing.

5

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

6

imposed with respect to a participant or beneficiary for out-of-network emergency services cannot

7

exceed the cost-sharing requirement imposed with respect to a participant or beneficiary if the

8

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

9

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

10

network provider charges over the amount the plan or health maintenance organization is required

11

to pay under subsection (d)(1). A health maintenance organization complies with the requirements

12

of this subsection (d) if it provides benefits with respect to an emergency service in an amount

13

equal to the greatest of the three amounts specified in subsections (d)(1)(i), (d)(1)(ii), and (d)(1)(iii)

14

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

15

     (i) The amount negotiated with in-network providers for the emergency service furnished,

16

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

17

beneficiary. If there is more than one amount negotiated with in-network providers for the

18

emergency service, the amount described under this subsection (d)(1)(i) is the median of these

19

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

20

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

21

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

22

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

23

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

24

under this subsection (d)(1)(i) is disregarded.

25

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

26

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

27

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

28

to the participant or beneficiary. The amount in this subsection (d)(1)(ii) is determined without

29

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

30

coverage with respect to out-of-network services.

31

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

32

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

33

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

34

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

 

LC004141 - Page 10 of 12

1

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

2

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

3

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

4

part of a deductible that generally applies to out-of-network benefits. If an out-of-pocket maximum

5

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

6

network emergency services.

7

     (e) The provisions of this section apply for plan years beginning on or after September 23,

8

2010.

9

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

10

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

11

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

12

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

13

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

14

     SECTION 5. This act shall take effect upon passage.

========

LC004141

========

 

LC004141 - 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 mandate health insurance coverage to include transportation for emergency

2

services by ambulance or rescue.

3

     This act would take effect upon passage.

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LC004141

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LC004141 - Page 12 of 12