Idaho Bills
12 bills · 2019 Regular Session
Amends and adds to existing law to establish provisions regarding group-wide supervision of internationally active insurance groups.
35 – 0
Amends existing law to provide that a record of investments made by insurers shall include certain information, to provide an exception, to revise provisions regarding real estate, and to revise provisions regarding miscellaneous investments.
35 – 0
Adds to existing law to prohibit an insurer from considering certain inquiries or claims when considering an application for, renewal of, or change in a property or casualty insurance policy.
Adds to existing law to prohibit an insurer from considering certain inquiries or claims when considering an application for, renewal of, or change in a property or casualty insurance policy.
This legislation prohibits an insurer from cancellation, renewal or denial of property insurance for an unpaid claim inquiry.
Amends existing law to establish provisions regarding underinsured motor vehicle coverage.
This proposed legislation would eliminate the problem of phantom insurance and reduced payments for benefits paid by others. The legislation provides that when a citizen purchases motor vehicle underinsurance coverage, the purchaser receives the stated benefit provided on the declarations page. This prevents an insurance company that receives a premium for underinsured coverage from taking credit for benefits paid by other insurance companies. It further limits the benefits recoverable to the purchaser's actual losses or the amount of coverage purchased, whichever is less.
Amends existing law to establish provisions regarding underinsured motor vehicle coverage.
This proposed legislation would eliminate the problem of phantom insurance and reduced payments for benefits paid by others. The legislation provides that when a citizen purchases motor vehicle underinsurance coverage, the purchaser receives the stated benefit provided on the declarations page. This prevents an insurance company that receives a premium for underinsured coverage from taking credit for benefits paid by other insurance companies. It further limits the benefits recoverable to the purchaser's actual losses or the amount of coverage purchased, whichever is less.
Adds to existing law to provide that anticancer medications that are self-administered by a patient shall not have a higher copayment, deductible, or coinsurance amount than injected or intravenously administered anticancer medications.
The purpose of this legislation is to create co-insurance parity for cancer treatment patient cost regardless of treatment being intravenously administered, injected, or orally taken. The legislation directs the Department of Insurance to ensure state regulated health plans, when anti-cancer medication is covered by a health plan, to provide patients access to orally administered anti-cancer medications at a co-insurance rate no more than the cost to access injected or intravenously administered medication.
Establishes enhanced short-term health insurance plans.
This bill amends sections 41-5203, 41-5207, Chapter 52, Title 41 and adds a new section of Idaho code to define and provide for the purchase of enhanced short-term health insurance plans. On August 3, 2018, the U.S. Departments of the Treasury, Labor and Health and Human Services issued new rules to amend the definition of short-term, limited-duration insurance to lengthen the maximum duration of short-term health insurance. This bill defines enhanced short-term health insurance and brings Idaho in compliance with new federal rules that went into effect on October 2, 2018. Enhancedshort-termplanswillhaveaninitialperiodoflessthantwelve(12)monthsandallowsanindividual to renew the policy for up to the number of months established by the Idaho Department of Insurance. This bill establishes a new section of code to allow the director of the Idaho Department of Insurance to adopt rules and standards for enhanced short-term health insurance plans.
34 – 0
Adds to existing law to provide for coverage under a health benefit plan for participants in clinical trials.
The purpose of this legislation is to ensure that routine medical care costs will be covered by a patient's insurance plan while a patient is enrolled in a clinical trial. Clinical research is an essential element in advancing health care, improving patient outcomes and reducing the cost of health care. Sponsors of clinical trials are required by federal law to cover all research-related costs in a clinical trial. This legislation ensures that health benefit plans cover the costs for the same standard of care a patient would receive if they were not in a clinical trial, while not being required to pay for the costs of the trial itself.
43 – 26
Adds to existing law to provide for certain requirements for pharmacy benefit managers.
Pharmacy Benefit Managers (PBMs) are third party administrators under contract by health plans, employers and government entities to manage prescription drug programs for health plan recipients. PBMs decide which pharmacies are included in a prescription drug plan's network and how much the pharmacy will be paid for dispensing services. Idaho is one of just five states that do not regulate or have any oversight at all over PBMs. This bill will require PBMs that operate in Idaho to register with the Department of Insurance. It also gives pharmacists more flexibility in informing patients how they can pay less out-of-pocket for prescriptions. Today, PBMs prohibit pharmacies from discussing prescription cost options with their patients. Recently, legislation passed and was signed into law at the federal level prohibiting "gag clauses" on Medicare Part D and Advantage plans, but State legislation is still needed for all other insurance. Most already have this type of law in effect.
32 – 2
Amends existing law to revise provisions regarding contracts with providers of dental services.
This legislation will clarify current language in Idaho Code that a dental plan contracting with a dentist cannot set the rate for a procedure that is not covered by that contract. The proposed bill further defines that covered services are services that a dental plan contracting with a dentist is liable for paying either in part or in whole. The bill provides for discussion and notice between a dentist and patient when the patient's services become non-covered services due to the patient exceeding their capped benefit by 100 percent. The bill will apply to any dental plan or contract which is issued after December 31, 2019.
64 – 0
Amends existing law to provide that amounts in certain documents shall be rounded to the nearest whole dollar.
Currently insurance companies report and pay premium tax including cents. Considerable time and effort is spent by staff for insurance companies and the Department of Insurance to prepare and audit tax returns and other reports to the specific penny. These efforts are not commensurate with the value gained by such level of detail. This legislation would require premium tax returns from insurers to be rounded up or down to the nearest whole dollar. A similar change is made to require surplus lines brokers to report and pay tax rounded up or down to the nearest whole dollar.
33 – 0