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IN HB1655
Bill
Status
1/24/2019
Primary Sponsor
Terri Jo Austin
Click for details
AI Summary
- Prohibits insurers from excluding, limiting, or denying benefits based on preexisting conditions for individual accident and sickness insurance policies, small employer group health plans, and HMO contracts
- Bans the use of preexisting conditions as a factor in determining premiums for covered individuals
- Requires all covered plans to include 10 essential health benefits without annual or lifetime limitations: ambulatory services, emergency services, hospitalization, maternity/newborn care, mental health/substance use services, prescription drugs, rehabilitative services, laboratory services, preventive/wellness services, and pediatric services (including oral and vision)
- Repeals existing provisions that allowed insurers to issue coverage waivers for specific conditions (previously permitted for up to 10 years with certain restrictions)
- Effective date of July 1, 2019, with the legislative services agency directed to prepare conforming legislation for the 2020 session
Legislative Description
Preexisting conditions and essential benefits. Prohibits preexisting condition exclusions in, and use of a preexisting condition to determine a premium for, individual policies of accident and sickness insurance, small employer group health insurance plans, and health maintenance organization contracts. Specifies benefits that must be included in individual and small group policies of accident and sickness insurance and health maintenance organization contracts. Repeals provisions providing for individual and association group accident and sickness insurance policy waivers of coverage. Repeals provisions providing for preexisting condition exclusions in small employer group health insurance plans. Requires the legislative services agency to draft legislation for introduction in the 2020 session of the general assembly to make conforming changes to the Indiana Code.
Last Action
First reading: referred to Committee on Insurance
1/24/2019