05RS HB68

HB68

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HB 68 (BR 390) - J. Higdon, M. Harmon, D. Keene

     AN ACT relating to health benefit plans that exclude mandated health benefits.
     Create a new section of Subtitle 17A of KRS Chapter 304 to permit an insurer offering health benefit plans to offer a high deductible health benefit plan that excludes state-mandated health benefits; restrict purchase of such plans to applicants who are uninsured on the date of application and have been uninsured for the 12-month period immediately preceding the date of application; define a high deductible health benefit plan as a health benefit plan with the same annual deductibles as required by federal law for health savings account high deductible health plans; require the prospective policyholder to sign a written disclosure statement; require the insurer to retain the completed disclosure statement, or an electronic copy, in its records for a reasonable period of time as set by the commissioner; require any advertisement of the high deductible health benefit plan to contain a statement clearly stating that all state-mandated health benefits are not covered in the high deductible health benefit plan.

HB 68 - AMENDMENTS


     HCA (1, J. Higdon) - Allow waiver of mandated health benefits except for benefits mandated by federal law and mandated hospice care coverage.

     HCA (2, R. Damron) - Allow waiver of mandated health benefits except for benefits mandated by federal law, mandated hospice care coverage, mandated diabetes coverage, and mandated reimbursement of services within the practice of an optometrist.

     HFA (1, J. Higdon) - Prohibit exclusion of mandated benefits pertaining to the payment, indemnification, or reimbursement of chiropractors licensed under KRS Chapter 312.

     HFA (2, A. Wuchner) - Require an insurer that offers a plan to provide adequate disclosure of plan differences with a side-by-side comparison of plans; require training of agents who sell the plans to ensure adequate knowledge be provided to the consumer; require that a copy of all printed materials and agent training information relating to the plan be filed with the department.

     (Prefiled by the sponsor(s).)

     Jan 4-introduced in House
     Jan 6-to Banking and Insurance (H)
     Feb 3-posted in committee
     Feb 16-reported favorably, 1st reading, to Calendar with committee amendments (1) and (2)
     Feb 17-2nd reading, to Rules
     Feb 18-floor amendment (1) filed
     Feb 23-floor amendment (2) filed
     Feb 24-posted for passage in the Regular Orders of the Day for Friday, February 25, 2005


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