Connecticut Seal

General Assembly

Amendment

 

January Session, 2017

LCO No. 8311

   
 

*SB0058608311SRO*

Offered by:

 

SEN. KELLY, 21st Dist.

SEN. LARSON, 3rd Dist.

SEN. LOONEY, 11th Dist.

SEN. FASANO, 34th Dist.

SEN. DUFF, 25th Dist.

SEN. WITKOS, 8th Dist.

SEN. GERRATANA, 6th Dist.

SEN. SOMERS, 18th Dist.

To: Subst. Senate Bill No. 586

File No. 242

Cal. No. 147

"AN ACT EXPANDING MANDATED HEALTH BENEFITS FOR WOMEN, CHILDREN AND ADOLESCENTS. "

After the last section, add the following and renumber sections and internal references accordingly:

"Sec. 501. (NEW) (Effective January 1, 2018) (a) Each employer that sponsors a fully insured group health insurance policy for its employees shall provide a special enrollment period to all eligible pregnant employees not more than thirty days after the commencement of the pregnancy, as certified by any licensed health care provider acting within the scope of such health care provider's practice. Coverage under this subsection shall be (1) effective as of the first of the month in which the employee receives such certification, and (2) limited to eligible employees who do not have, at a minimum, essential benefits as determined under the Patient Protection and Affordable Care Act, P. L. 111-148, as amended from time to time, regulations adopted thereunder or the coverage requirements under chapter 700c, of the general statutes.

(b) Notwithstanding subsection (a) of this section, the special enrollment period established in said subsection shall not be available to any person insured under (1) a group hospitalization and medical and surgical insurance plan or plans procured by the Comptroller pursuant to section 5-259 of the general statutes, or (2) a fully insured group health insurance policy sponsored by a municipality.

Sec. 502. Subdivision (1) of section 38a-567 of the general statutes is repealed and the following is substituted in lieu thereof (Effective January 1, 2018):

(1) (A) Any such plan or arrangement shall be offered on a guaranteed issue basis with respect to all eligible employees or dependents of such employees, at the option of the small employer, policyholder or contractholder, as the case may be.

(B) Any such plan or arrangement shall be renewable with respect to all eligible employees or dependents at the option of the small employer, policyholder or contractholder, as the case may be, except: (i) For nonpayment of the required premiums by the small employer, policyholder or contractholder; (ii) for fraud or misrepresentation of the small employer, policyholder or contractholder or, with respect to coverage of individual insured, the insureds or their representatives; (iii) for noncompliance with plan or arrangement provisions; (iv) when the number of insureds covered under the plan or arrangement is less than the number of insureds or percentage of insureds required by participation requirements under the plan or arrangement; or (v) when the small employer, policyholder or contractholder is no longer actively engaged in the business in which it was engaged on the effective date of the plan or arrangement.

(C) Renewability of coverage may be effected by either continuing in effect a plan or arrangement covering a small employer or by substituting upon renewal for the prior plan or arrangement the plan or arrangement then offered by the carrier that most closely corresponds to the prior plan or arrangement and is available to other small employers. Such substitution shall only be made under conditions approved by the commissioner. A carrier may substitute a plan or arrangement as set forth in this subparagraph only if the carrier effects the same substitution upon renewal for all small employers previously covered under the particular plan or arrangement, unless otherwise approved by the commissioner. The substitute plan or arrangement shall be subject to the rating restrictions specified in this section on the same basis as if no substitution had occurred, except for an adjustment based on coverage differences.

(D) Any such plan or arrangement shall provide special enrollment periods (i) to all eligible employees or dependents as set forth in 45 CFR 147. 104, as amended from time to time, [and] (ii) for coverage under such plan or arrangement ordered by a court for a spouse or minor child of an eligible employee where request for enrollment is made not later than thirty days after the issuance of such court order, and (iii) to all eligible pregnant employees, except employees of a municipality insured under a plan or arrangement offered by a municipality, not more than thirty days after the commencement of the pregnancy, as certified by any licensed health care provider acting within the scope of such health care provider's practice. Coverage under subparagraph (D)(iii) of this subdivision shall be (I) effective as of the first of the month in which the employee receives such certification, and (II) limited to eligible employees who do not have, at a minimum, essential benefits as determined under the Patient Protection and Affordable Care Act, P.L. 111-148, as amended from time to time, regulations adopted thereunder or the coverage requirements under chapter 700c.

Sec. 503. Subdivision (2) of subsection (g) of section 38a-481 of the general statutes is repealed and the following is substituted in lieu thereof (Effective January 1, 2018):

(2) Each individual health insurance policy subject to the Affordable Care Act shall (A) be offered on a guaranteed issue basis with respect to all eligible individuals or dependents, and (B) provide special enrollment periods (i) to all eligible individuals or dependents as set forth in 45 CFR 147.104, as amended from time to time, and (ii) to all eligible pregnant individuals not more than thirty days after the commencement of the pregnancy, as certified by any licensed health care provider acting within the scope of such health care provider's practice. Coverage under subparagraph (B)(ii) of this subdivision shall be (I) effective as of the first of the month in which the employee receives such certification, and (II) limited to eligible employees who do not have, at a minimum, essential benefits as determined under the Patient Protection and Affordable Care Act, P.L. 111-148, as amended from time to time, regulations adopted thereunder, or the coverage requirements under chapter 700c.

Sec. 504. Subsection (a) of section 38a-183 of the general statutes is repealed and the following is substituted in lieu thereof (Effective January 1, 2018):

(a) (1) A health care center governed by sections 38a-175 to 38a-192, inclusive, shall not enter into any agreement with subscribers unless and until it has filed with the commissioner a full schedule of the amounts to be paid by the subscribers and has obtained the commissioner's approval thereof. Such filing shall include an actuarial memorandum that includes, but is not limited to, pricing assumptions and claims experience, and premium rates and loss ratios from the inception of the contract or policy. The commissioner may refuse such approval if the commissioner finds such amounts to be excessive, inadequate or discriminatory. As used in this subsection, "loss ratio" means the ratio of incurred claims to earned premiums by the number of years of policy duration for all combined durations.

(2) Premium rates and special enrollment periods offered to individuals shall be consistent with the requirements set forth in section 38a-481, as amended by this act.

(3) Premium rates and special enrollment periods offered to small employers, as defined in section 38a-564, shall be consistent with the requirements set forth in section 38a-567, as amended by this act.

(4) No such health care center shall enter into any agreement with subscribers unless and until it has filed with the commissioner a copy of such agreement or agreements, including all riders and endorsements thereon, and until the commissioner's approval thereof has been obtained. The commissioner shall, within a reasonable time after the filing of any request for an approval of the amounts to be paid, any agreement or any form, notify the health care center of the commissioner's approval or disapproval thereof.

Sec. 505. Section 38a-208 of the general statutes is repealed and the following is substituted in lieu thereof (Effective January 1, 2018):

(a) No such corporation shall enter into any contract with subscribers unless and until it has filed with the Insurance Commissioner a full schedule of the rates to be paid by the subscribers and has obtained said commissioner's approval thereof. Such filing shall include an actuarial memorandum that includes, but is not limited to, pricing assumptions and claims experience, and premium rates and loss ratios from the inception of the contract. The commissioner may refuse such approval if the commissioner finds such rates to be excessive, inadequate or discriminatory. As used in this subsection, "loss ratio" means the ratio of incurred claims to earned premiums by the number of years of policy duration for all combined durations.

(b) Premium rates and special enrollment periods offered to individuals shall be consistent with the requirements set forth in section 38a-481, as amended by this act.

(c) Premium rates and special enrollment periods offered to small employers, as defined in section 38a-564, shall be consistent with the requirements set forth in section 38a-567, as amended by this act.

(d) No hospital service corporation shall enter into any contract with subscribers unless and until it has filed with the Insurance Commissioner a copy of such contract, including all riders and endorsements thereof, and until said commissioner's approval thereof has been obtained. The Insurance Commissioner shall, within a reasonable time after the filing of any such form, notify such corporation of the commissioner's approval or disapproval thereof.

Sec. 506. Section 38a-218 of the general statutes is repealed and the following is substituted in lieu thereof (Effective January 1, 2018):

(a) No such medical service corporation shall enter into any contract with subscribers unless and until it has filed with the Insurance Commissioner a full schedule of the rates to be paid by the subscriber and has obtained said commissioner's approval thereof. Such filing shall include an actuarial memorandum that includes, but is not limited to, pricing assumptions and claims experience, and premium rates and loss ratios from the inception of the contract. The commissioner may refuse such approval if the commissioner finds such rates are excessive, inadequate or discriminatory. As used in this subsection, "loss ratio" means the ratio of incurred claims to earned premiums by the number of years of policy duration for all combined durations.

(b) Premium rates and special enrollment periods offered to individuals shall be consistent with the requirements set forth in section 38a-481, as amended by this act.

(c) Premium rates and special enrollment periods offered to small employers, as defined in section 38a-564, shall be consistent with the requirements set forth in section 38a-567, as amended by this act.

(d) No such medical service corporation shall enter into any contract with subscribers unless and until it has filed with the Insurance Commissioner a copy of such contract, including all riders and endorsements thereof, and until said commissioner's approval thereof has been obtained. The Insurance Commissioner shall, within a reasonable time after the filing of any such form, notify such corporation of the commissioner's approval or disapproval thereof. "

This act shall take effect as follows and shall amend the following sections:

Sec. 501

January 1, 2018

New section

Sec. 502

January 1, 2018

38a-567(1)

Sec. 503

January 1, 2018

38a-481(g)(2)

Sec. 504

January 1, 2018

38a-183(a)

Sec. 505

January 1, 2018

38a-208

Sec. 506

January 1, 2018

38a-218