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IN SB0204
Bill
Status
1/3/2019
Primary Sponsor
Timothy Lanane
Click for details
AI Summary
Summary of Indiana Senate Bill 204
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Prohibits preexisting condition exclusions for state employee health plans, accident and sickness insurance policies, and health maintenance organization contracts effective July 1, 2019.
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Restricts premium rate variations to only four factors: individual vs. family coverage, rating area, age (limited to 3:1 ratio for adults), and tobacco use (limited to 1.5:1 ratio).
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Requires guaranteed issue and renewability — insurers must accept all applicants and renew coverage at the policyholder's option, with termination allowed only for nonpayment, fraud, or plan discontinuation.
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Prohibits eligibility discrimination based on health status, medical condition, claims experience, medical history, genetic information, disability, or evidence of insurability including domestic violence.
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Repeals existing waiver provisions that allowed insurers to waive coverage for specified conditions for up to 10 years on individual and association group policies.
Legislative Description
Health status related requirements. Specifies that a state employee health plan, a policy of accident and sickness insurance, and a health maintenance organization contract must provide for availability, renewability, premium rating, and coverage without regard to health status, including preexisting conditions. Makes conforming amendments. Provides for the legislative services agency to prepare legislation for the 2020 legislative session to make conforming amendments. Repeals current law providing for issuance of certain policies of accident and sickness insurance under which coverage for preexisting conditions is waived.
Last Action
Senator Bohacek added as coauthor
2/4/2019