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SB 322 - Amends Health Insurance Options - Florida Key Vote

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Title: Amends Health Insurance Options

Vote Smart's Synopsis:

Vote to concur with house amendments and pass a bill that amends health insurance options.

Highlights:

 

  • Authorizes a health insurer or health maintenance organization issuing or delivering an individual or group health insurance policy or health maintenance contract in this state to create a new health insurance policy or maintenance contract that includes at least one service of coverage under the 10 essential health benefits in the Patient Protection and Affordable Care Act (Sec. 2).

  • Defines a “pre-existing medical condition” as a condition that was present before the effective date of coverage under a policy, whether or not any medical device, diagnosis, care, or treatment was recommended or received before the effective date of coverage (Sec. 4).

  • Prohibits an insurer from limiting or excluding benefits, including denial of coverage as a result of information relating to an individual’s health status before the effective date of coverage (Sec. 4).

  • Defines “short-term health insurance” as a group, blanket, or franchise policy of health insurance coverage provided by an insurer with an expiration date specified in the contract that is less than 12 months after the original effective date of the contract, and accounts for renewals or extensions not to exceed 36 months in total (Secs. 5 & 6).

  • Specifies that all contracts for short-term health insurance include a disclosure stating that said coverage is not required to comply with certain federal market requirements, specifically those principally contained in the PPACA (Secs. 5 & 6).

  • Requires that no later than 30 days after this acts operative date, every insurer issuing or delivering comprehensive major medical group health insurance policies in this tate make at least one comprehensive major medical health insurance policy available to residents (Secs. 5-8).

  • Requires the comprehensive major medical health insurance policy that the insurer is required to offer under this section be a policy that had been actively marketed in this state (Secs. 5-8).

See How Your Politicians Voted

Title: Amends Health Insurance Options

Vote Smart's Synopsis:

Vote to pass with amendment a bill that amends health insurance options.

Highlights:

 

  • Authorizes a health insurer or health maintenance organization issuing or delivering an individual or group health insurance policy or health maintenance contract in this state to create a new health insurance policy or maintenance contract that includes at least one service of coverage under the 10 essential health benefits in the Patient Protection and Affordable Care Act (Sec. 2).

  • Defines a “pre-existing medical condition” as a condition that was present before the effective date of coverage under a policy, whether or not any medical device, diagnosis, care, or treatment was recommended or received before the effective date of coverage (Sec. 4).

  • Prohibits an insurer from limiting or excluding benefits, including denial of coverage as a result of information relating to an individual’s health status before the effective date of coverage (Sec. 4).

  • Defines “short-term health insurance” as a group, blanket, or franchise policy of health insurance coverage provided by an insurer with an expiration date specified in the contract that is less than 12 months after the original effective date of the contract, and accounts for renewals or extensions not to exceed 36 months in total (Secs. 5 & 6).

  • Specifies that all contracts for short-term health insurance include a disclosure stating that said coverage is not required to comply with certain federal market requirements, specifically those principally contained in the PPACA (Secs. 5 & 6).

  • Requires that no later than 30 days after this acts operative date, every insurer issuing or delivering comprehensive major medical group health insurance policies in this tate make at least one comprehensive major medical health insurance policy available to residents (Secs. 5-8).

  • Requires the comprehensive major medical health insurance policy that the insurer is required to offer under this section be a policy that had been actively marketed in this state (Secs. 5-8).

Committee Sponsors

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