SB 1510 Summary

• Creates a 36-month Twenty-four-hour Pilot Insurance Program beginning January 1, 2013, allowing employers with health insurance to contract with health care service plans covering both occupational and non-occupational injuries without employee deductibles or co-payments.

• Requires the Insurance Commissioner to develop rules for employer and insurer participation, allowing multiple insurers to combine services while maintaining separate coverage types and preventing liability transfers between insurers.

• Restricts employees to physicians provided by the designated health care service plan but preserves rights under existing law and allows provider changes during annual open enrollment periods.

• Mandates the Insurance Commissioner prepare a report within four months after program completion comparing outcomes (employer costs, vocational rehabilitation timing, return-to-work rates) between participating and non-participating employers, with a 3% differential defined as successful.

• Establishes employer responsibility for report costs apportioned per capita by employee count, and prohibits non-unionized employers from contracting with managed care organizations unless authorized by mutual agreement with exclusive bargaining representatives.