Connecticut Seal

General Assembly

Amendment

 

February Session, 2018

LCO No. 5804

   
 

*HB0520605804HDO*

Offered by:

 

REP. SCANLON, 98th Dist.

SEN. KELLY, 21st Dist.

SEN. LARSON, 3rd Dist.

 

To: Subst. House Bill No. 5206

File No. 233

Cal. No. 166

"AN ACT CONCERNING INSURANCE ISSUES."

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

"Sec. 501. Section 1 of senate bill 198 of the current session, as amended by Senate Amendment Schedule "A", is repealed and the following is substituted in lieu thereof (Effective from passage):

(a) There is established a task force to study and develop strategies to develop, expand and improve the insurance industry workforce in this state. Such study shall include, but need not be limited to, (1) an evaluation and analysis of the status of the insurance industry workforce in this state, (2) the employment needs of the insurance industry in this state, and (3) methods of developing, expanding and improving the insurance industry workforce in this state.

(b) The task force shall consist of the following members:

(1) Two appointed by the speaker of the House of Representatives;

(2) Two appointed by the president pro tempore of the Senate;

(3) One appointed by the majority leader of the House of Representatives;

(4) One appointed by the majority leader of the Senate;

(5) One appointed by the minority leader of the House of Representatives;

(6) Two appointed by the minority leader of the Senate;

(7) One appointed by the deputy Senate Republican president pro tempore;

(8) The Insurance Commissioner, or the commissioner's designee; [and]

(9) The president of the Board of Regents for Higher Education, or the president's designee; and

(10) The president of The University of Connecticut, or the president's designee.

(c) Any member of the task force appointed under subdivision (1), (2), (3), (4), (5), (6) or (7) of subsection (b) of this section may be a member of the General Assembly.

(d) All appointments to the task force shall be made not later than thirty days after the effective date of this section. Any vacancy shall be filled by the appointing authority.

(e) The speaker of the House of Representatives and the president pro tempore of the Senate shall select the chairpersons of the task force from among the members of the task force. Such chairpersons shall schedule the first meeting of the task force, which shall be held not later than sixty days after the effective date of this section.

(f) The administrative staff of the joint standing committee of the General Assembly having cognizance of matters relating to insurance shall serve as administrative staff of the task force.

(g) Not later than January 1, 2019, the task force shall submit a report on its findings and recommendations to the joint standing committee of the General Assembly having cognizance of matters relating to insurance, in accordance with the provisions of section 11-4a of the general statutes. The task force shall terminate on the date that it submits such report or January 1, 2019, whichever is later.

Sec. 502. Section 3 of substitute house bill 5210 of the current session, as amended by House Amendment Schedule "A", is repealed and the following is substituted in lieu thereof (Effective January 1, 2019):

(a) [(1) Except as provided in subdivision (2) of this subsection, each] Each individual health insurance policy providing coverage of the type specified in subdivisions (1), (2), (4), (11) and (12) of section 38a-469 of the general statutes delivered, issued for delivery, renewed, amended or continued in this state shall provide coverage for the following evidence-based benefits and services that have in effect a rating of "A" or "B" in recommendations of the United States Preventive Services Task Force or are provided for in comprehensive guidelines supported by the United States Health Resources and Services Administration, as such recommendations and guidelines may be amended from time to time:

[(A)] (1) Domestic and interpersonal violence screening and counseling for any woman;

[(B)] (2) Tobacco use intervention and cessation counseling for any woman who consumes tobacco;

[(C)] (3) Well-woman visits for any woman who is younger than sixty-five years of age;

[(D)] (4) Breast cancer chemoprevention counseling for any woman who is at increased risk for breast cancer due to family history or prior personal history of breast cancer, positive genetic testing or other indications as determined by such woman's physician or advanced practice registered nurse;

[(E)] (5) Breast cancer risk assessment, genetic testing and counseling;

[(F)] (6) Chlamydia infection screening for any sexually-active woman;

[(G)] (7) Cervical and vaginal cancer screening for any sexually-active woman;

[(H)] (8) Gonorrhea screening for any sexually-active woman;

[(I)] (9) Human immunodeficiency virus screening for any sexually-active woman;

[(J)] (10) Human papillomavirus screening for any woman with normal cytology results who is thirty years of age or older;

[(K)] (11) Sexually transmitted infections counseling for any sexually-active woman;

[(L)] (12) Anemia screening for any pregnant woman and any woman who is likely to become pregnant;

[(M)] (13) Folic acid supplements for any pregnant woman and any woman who is likely to become pregnant;

[(N)] (14) Hepatitis B screening for any pregnant woman;

[(O)] (15) Rhesus incompatibility screening for any pregnant woman and follow-up rhesus incompatibility testing for any pregnant woman who is at increased risk for rhesus incompatibility;

[(P)] (16) Syphilis screening for any pregnant woman and any woman who is at increased risk for syphilis;

[(Q)] (17) Urinary tract and other infection screening for any pregnant woman;

[(R)] (18) Breastfeeding support and counseling for any pregnant or breastfeeding woman;

[(S)] (19) Breastfeeding supplies, including, but not limited to, a breast pump for any breastfeeding woman;

[(T)] (20) Gestational diabetes screening for any woman who is twenty-four to twenty-eight weeks pregnant and any woman who is at increased risk for gestational diabetes;

[(U)] (21) Osteoporosis screening for any woman who is sixty years of age or older; and

[(V) Such additional evidence-based items or services not described in subparagraphs (A) to (U), inclusive, of this subdivision that receive a rating of "A" or "B" in any recommendations of the United States Preventive Services Task Force effective after January 1, 2018; and]

[(W)] (22) With respect to infants, children and adolescents, [evidence-informed] preventive care and screenings. [provided for in the comprehensive guidelines supported by the United States Health Resources and Services Administration, as effective on January 1, 2018, and such additional preventive care and screenings provided for in any comprehensive guidelines supported by said administration and effective after January 1, 2018.

(2) No policy described in subdivision (1) of this subsection shall be required to provide coverage for any benefit or service described in subparagraphs (A) to (U), inclusive, of said subdivision unless such benefit or service is an evidence-based item or service that had a rating of "A" or "B" in the recommendations of the United States Preventive Services Task Force as such recommendations were in effect on January 1, 2018.]

(b) Notwithstanding subsection (a) of this section, no policy providing the type of coverage described in said subsection shall cease to provide coverage for a benefit or service described in said subsection that had in effect a rating of "A" or "B" in recommendations of the United States Preventive Services Task Force or was provided for in comprehensive guidelines supported by the United States Health Resources and Services Administration, as said recommendations and guidelines were in effect on January 1, 2018.

[(b)] (c) No policy described in subsection (a) of this section shall impose a coinsurance, copayment, deductible or other out-of-pocket expense for the benefits and services required under [said subsection] subsections (a) and (b) of this section. The provisions of this subsection shall apply to a high deductible plan, as that term is used in subsection (f) of section 38a-493 of the general statutes, to the maximum extent permitted by federal law, except if such plan is used to establish a health savings account, as that term is used in Section 223 of the Internal Revenue Code of 1986 or any subsequent corresponding internal revenue code of the United States, as amended from time to time, the provisions of this subsection shall apply to such plan to the maximum extent that (1) is permitted by federal law, and (2) does not disqualify such account for the deduction allowed under said Section 223. Nothing in this section shall preclude a policy that provides the coverage required under [subsection] subsections (a) and (b) of this section and uses a provider network from imposing cost-sharing requirements for any benefit or service required under said [subsection (a)] subsections that is delivered by an out-of-network provider.

Sec. 503. Section 4 of substitute house bill 5210 of the current session, as amended by House Amendment Schedule "A", is repealed and the following is substituted in lieu thereof (Effective January 1, 2019):

(a) [(1) Except as provided in subdivision (2) of this subsection, each] Each group health insurance policy providing coverage of the type specified in subdivisions (1), (2), (4), (11) and (12) of section 38a-469 of the general statutes delivered, issued for delivery, renewed, amended or continued in this state shall provide coverage for the following evidence-based benefits and services that have in effect a rating of "A" or "B" in recommendations of the United States Preventive Services Task Force or are provided for in comprehensive guidelines supported by the United States Health Resources and Services Administration, as such recommendations and guidelines may be amended from time to time:

[(A)] (1) Domestic and interpersonal violence screening and counseling for any woman;

[(B)] (2) Tobacco use intervention and cessation counseling for any woman who consumes tobacco;

[(C)] (3) Well-woman visits for any woman who is younger than sixty-five years of age;

[(D)] (4) Breast cancer chemoprevention counseling for any woman who is at increased risk for breast cancer due to family history or prior personal history of breast cancer, positive genetic testing or other indications as determined by such woman's physician or advanced practice registered nurse;

[(E)] (5) Breast cancer risk assessment, genetic testing and counseling;

[(F)] (6) Chlamydia infection screening for any sexually-active woman;

[(G)] (7) Cervical and vaginal cancer screening for any sexually-active woman;

[(H)] (8) Gonorrhea screening for any sexually-active woman;

[(I)] (9) Human immunodeficiency virus screening for any sexually-active woman;

[(J)] (10) Human papillomavirus screening for any woman with normal cytology results who is thirty years of age or older;

[(K)] (11) Sexually transmitted infections counseling for any sexually-active woman;

[(L)] (12) Anemia screening for any pregnant woman and any woman who is likely to become pregnant;

[(M)] (13) Folic acid supplements for any pregnant woman and any woman who is likely to become pregnant;

[(N)] (14) Hepatitis B screening for any pregnant woman;

[(O)] (15) Rhesus incompatibility screening for any pregnant woman and follow-up rhesus incompatibility testing for any pregnant woman who is at increased risk for rhesus incompatibility;

[(P)] (16) Syphilis screening for any pregnant woman and any woman who is at increased risk for syphilis;

[(Q)] (17) Urinary tract and other infection screening for any pregnant woman;

[(R)] (18) Breastfeeding support and counseling for any pregnant or breastfeeding woman;

[(S)] (19) Breastfeeding supplies, including, but not limited to, a breast pump for any breastfeeding woman;

[(T)] (20) Gestational diabetes screening for any woman who is twenty-four to twenty-eight weeks pregnant and any woman who is at increased risk for gestational diabetes;

[(U)] (21) Osteoporosis screening for any woman who is sixty years of age or older; and

[(V) Such additional evidence-based items or services not described in subparagraphs (A) to (U), inclusive, of this subdivision that receive a rating of "A" or "B" in any recommendations of the United States Preventive Services Task Force effective after January 1, 2018; and]

[(W)] (22) With respect to infants, children and adolescents, [evidence-informed] preventive care and screenings. [provided for in the comprehensive guidelines supported by the United States Health Resources and Services Administration, as effective on January 1, 2018, and such additional preventive care and screenings provided for in any comprehensive guidelines supported by said administration and effective after January 1, 2018.

(2) No policy described in subdivision (1) of this subsection shall be required to provide coverage for any benefit or service described in subparagraphs (A) to (U), inclusive, of said subdivision unless such benefit or service is an evidence-based item or service that had a rating of "A" or "B" in the recommendations of the United States Preventive Services Task Force as such recommendations were in effect on January 1, 2018.]

(b) Notwithstanding subsection (a) of this section, no policy providing the type of coverage described in said subsection shall cease to provide coverage for a benefit or service described in said subsection that had in effect a rating of "A" or "B" in recommendations of the United States Preventive Services Task Force or was provided for in comprehensive guidelines supported by the United States Health Resources and Services Administration, as said recommendations and guidelines were in effect on January 1, 2018.

[(b)] (c) No policy described in subsection (a) of this section shall impose a coinsurance, copayment, deductible or other out-of-pocket expense for the benefits and services required under [said subsection] subsections (a) and (b) of this section. The provisions of this subsection shall apply to a high deductible plan, as that term is used in subsection (f) of section 38a-493 of the general statutes, to the maximum extent permitted by federal law, except if such plan is used to establish a health savings account, as that term is used in Section 223 of the Internal Revenue Code of 1986 or any subsequent corresponding internal revenue code of the United States, as amended from time to time, the provisions of this subsection shall apply to such plan to the maximum extent that (1) is permitted by federal law, and (2) does not disqualify such account for the deduction allowed under said Section 223. Nothing in this section shall preclude a policy that provides the coverage required under [subsection] subsections (a) and (b) of this section and uses a provider network from imposing cost-sharing requirements for any benefit or service required under said [subsection (a)] subsections that is delivered by an out-of-network provider.

Sec. 504. Subsection (a) of section 5 of substitute house bill 5210 of the current session, as amended by House Amendment Schedule "A", is repealed and the following is substituted in lieu thereof (Effective January 1, 2019):

(a) Each individual health insurance policy providing coverage of the type specified in subdivisions (1), (2), (4), (11) and (12) of section 38a-469 of the general statutes delivered, issued for delivery, renewed, amended or continued in this state that provides coverage for prescription drugs shall provide coverage for [(1)] immunizations recommended [by the American Academy of Pediatrics, American Academy of Family Physicians and the American College of Obstetricians and Gynecologists, and (2) immunizations that have in effect a recommendation from the Advisory Committee on Immunization Practices of the Centers for Disease Control and Prevention with respect to the individual involved] for routine use in children, adolescents and adults that have in effect a recommendation from the National Advisory Committee on Immunization Practices of the National Centers for Disease Control and Prevention with respect to the individual involved. For the purposes of this subsection, (1) a recommendation from the National Advisory Committee on Immunization Practices is in effect if the recommendation has been adopted by the director of the National Centers for Disease Control and Prevention, and (2) is considered to be for routine use if the immunization is listed on the National Centers for Disease Control and Prevention's Adult Immunization Schedule or Immunization Schedule for Children and Adolescents, as advised by professional organizations that work with the National Advisory Committee on Immunization Practices to develop the annual adult and childhood schedules including the American Academy of Pediatrics, American Academy of Family Physicians, American College of Obstetricians and Gynecologists and American College of Physicians.

Sec. 505. Subsection (a) of section 6 of substitute house bill 5210 of the current session, as amended by House Amendment Schedule "A", is repealed and the following is substituted in lieu thereof (Effective January 1, 2019):

(a) Each group health insurance policy providing coverage of the type specified in subdivisions (1), (2), (4), (11) and (12) of section 38a-469 of the general statutes delivered, issued for delivery, renewed, amended or continued in this state that provides coverage for prescription drugs shall provide coverage for [(1)] immunizations recommended [by the American Academy of Pediatrics, American Academy of Family Physicians and the American College of Obstetricians and Gynecologists, and (2) immunizations that have in effect a recommendation from the Advisory Committee on Immunization Practices of the Centers for Disease Control and Prevention with respect to the individual involved] for routine use in children, adolescents and adults that have in effect a recommendation from the National Advisory Committee on Immunization Practices of the National Centers for Disease Control and Prevention with respect to the individual involved. For the purposes of this subsection, (1) a recommendation from the National Advisory Committee on Immunization Practices is in effect if the recommendation has been adopted by the director of the National Centers for Disease Control and Prevention, and (2) is considered to be for routine use if the immunization is listed on the National Centers for Disease Control and Prevention's Adult Immunization Schedule or Immunization Schedule for Children and Adolescents, as advised by professional organizations that work with the National Advisory Committee on Immunization Practices to develop the annual adult and childhood schedules including the American Academy of Pediatrics, American Academy of Family Physicians, American College of Obstetricians and Gynecologists and American College of Physicians.

Sec. 506. Subsection (a) of section 38a-503e of the general statutes, as amended by section 11 of substitute house bill 5210 of the current session, as amended by House Amendment Schedule "A", is repealed and the following is substituted in lieu thereof (Effective January 1, 2019):

(a) Each individual health insurance policy providing coverage of the type specified in subdivisions (1), (2), (4), (11) and (12) of section 38a-469 delivered, issued for delivery, renewed, amended or continued in this state shall provide coverage for the following benefits and services:

(1) [All] A full range of contraceptive drugs, including, but not limited to, [all] a full range of over-the-counter contraceptive drugs, approved by the federal Food and Drug Administration. Such policy may require an insured to use, prior to using a contraceptive drug prescribed to the insured, a contraceptive drug that the federal Food and Drug Administration has designated as therapeutically equivalent to the contraceptive drug prescribed to the insured, unless otherwise determined by the insured's prescribing health care provider.

(2) [All] A full range of contraceptive devices and products, excluding all over-the-counter contraceptive devices and products, approved by the federal Food and Drug Administration. Such policy may require an insured to use, prior to using a contraceptive device or product prescribed to the insured, a contraceptive device or product that the federal Food and Drug Administration has designated as therapeutically equivalent to the contraceptive device or product prescribed to the insured, unless otherwise determined by the insured's prescribing health care provider.

(3) If a contraceptive drug, device or product described in subdivision (1) or (2) of this subsection is prescribed by a licensed physician, physician assistant or advanced practice registered nurse, a twelve-month supply of such contraceptive drug, device or product dispensed at one time or at multiple times, unless the insured or the insured's prescribing health care provider requests less than a twelve-month supply of such contraceptive drug, device or product. No insured shall be entitled to receive a twelve-month supply of a contraceptive drug, device or product pursuant to this subdivision more than once during any policy year.

(4) All sterilization methods approved by the federal Food and Drug Administration for women.

(5) Routine follow-up care concerning contraceptive drugs, devices and products approved by the federal Food and Drug Administration.

(6) Counseling in (A) contraceptive drugs, devices and products approved by the federal Food and Drug Administration, and (B) the proper use of contraceptive drugs, devices and products approved by the federal Food and Drug Administration.

Sec. 507. Subsection (a) of section 38a-530e of the general statutes, as amended by section 12 of substitute house bill 5210 of the current session, as amended by House Amendment Schedule "A", is repealed and the following is substituted in lieu thereof (Effective January 1, 2019):

(a) Each group health insurance policy providing coverage of the type specified in subdivisions (1), (2), (4), (11) and (12) of section 38a-469 delivered, issued for delivery, renewed, amended or continued in this state shall provide coverage for the following benefits and services:

(1) [All] A full range of contraceptive drugs, including, but not limited to, [all] a full range of over-the-counter contraceptive drugs, approved by the federal Food and Drug Administration. Such policy may require an insured to use, prior to using a contraceptive drug prescribed to the insured, a contraceptive drug that the federal Food and Drug Administration has designated as therapeutically equivalent to the contraceptive drug prescribed to the insured, unless otherwise determined by the insured's prescribing health care provider.

(2) [All] A full range of contraceptive devices and products, excluding all over-the-counter contraceptive devices and products, approved by the federal Food and Drug Administration. Such policy may require an insured to use, prior to using a contraceptive device or product prescribed to the insured, a contraceptive device or product that the federal Food and Drug Administration has designated as therapeutically equivalent to the contraceptive device or product prescribed to the insured, unless otherwise determined by the insured's prescribing health care provider.

(3) If a contraceptive drug, device or product described in subdivision (1) or (2) of this subsection is prescribed by a licensed physician, physician assistant or advanced practice registered nurse, a twelve-month supply of such contraceptive drug, device or product dispensed at one time or at multiple times, unless the insured or the insured's prescribing health care provider requests less than a twelve-month supply of such contraceptive drug, device or product. No insured shall be entitled to receive a twelve-month supply of a contraceptive drug, device or product pursuant to this subdivision more than once during any policy year.

(4) All sterilization methods approved by the federal Food and Drug Administration for women.

(5) Routine follow-up care concerning contraceptive drugs, devices and products approved by the federal Food and Drug Administration.

(6) Counseling in (A) contraceptive drugs, devices and products approved by the federal Food and Drug Administration, and (B) the proper use of contraceptive drugs, devices and products approved by the federal Food and Drug Administration.

Sec. 508. Subdivision (1) of subsection (a) of section 38a-323 of the 2018 supplement to the general statutes is repealed and the following is substituted in lieu thereof (Effective October 1, 2019):

(a) (1) No insurer shall refuse to renew any policy that is subject to the requirements of sections 38a-663 to 38a-696, inclusive, unless such insurer or its agent sends, by registered or certified mail or by mail evidenced by a certificate of mailing, or delivers to the named insured, at the address shown in the policy, or, if agreed between the insurer and the named insured, by electronic means, at least sixty days' advance notice of its intention not to renew. The notice of intent not to renew shall state or be accompanied by a statement specifying the reason for such nonrenewal. This section shall not apply: (A) In case of nonpayment of premium; (B) if the insured fails to pay any advance premium required by the insurer for renewal, provided, notwithstanding the failure of an insurer to comply with this subsection, with respect to automobile liability insurance policies the policy shall terminate on the effective date of any other insurance policy with respect to any automobile designated in both policies; or (C) if the policy is transferred from the insurer to an affiliate of such insurer for another policy with no interruption of coverage and contains the same terms, conditions and provisions, including policy limits, as the transferred policy, except that the insurer to which the policy is transferred shall not be prohibited from applying its rates and rating plans at the time of renewal. With respect to an automobile or homeowners policy, each insurer that sends or delivers a notice of nonrenewal pursuant to this subsection shall use the same method to send or deliver such notice to any third party designated pursuant to section 38a-323a.

Sec. 509. Section 38a-323a of the general statutes is repealed and the following is substituted in lieu thereof (Effective October 1, 2019):

(a) Each insurer that issues, renews, amends or endorses an automobile or homeowners insurance policy in this state on or after October 1, [2017] 2019, shall include with the policy a conspicuous statement specifying that any individual may designate a third party to receive notice of cancellation or nonrenewal of the policy. The statement shall include a designation form, [and] a mailing address and an electronic mail address the individual may use to designate a third party. Such statement shall be in a form approved by the Insurance Commissioner.

(b) No designation form shall be effective unless it contains a written acceptance by the third party designee to receive copies of notices of cancellation or nonrenewal from the insurer on behalf of the individual. The third party designation shall be effective not later than ten business days after the date the insurer receives the designation form and the acceptance of the third party. The third party may terminate the status as a third party designee by providing written notice to both the insurer and the insured individual. The individual may terminate the third party designation by providing written notice to the insurer and the third party designee. The insurer may require the individual and the third party to send the notices to the insurer by certified mail, return receipt requested, or, if agreed between the insurer and the individual or the insurer and the third party, by electronic means.

(c) The insurer's transmission to the third party designee of a copy of any notice of cancellation or nonrenewal shall be in addition to the transmission of the original document to the insured individual. When a third party is so designated, all such notices and copies shall be mailed in an envelope clearly marked on its face with, or, if agreed between the insurer and the third party, delivered by electronic means stating, the following: "IMPORTANT INSURANCE POLICY INFORMATION: OPEN IMMEDIATELY". The copy of the notice of cancellation or nonrenewal transmitted to the third party shall be governed by the same law and policy provisions that govern the notice being transmitted to the insured individual. The designation of a third party shall not constitute acceptance of any liability on the part of the third party or insurer for services provided to the insured individual.

Sec. 510. Subsection (a) of section 38a-343 of the 2018 supplement to the general statutes is repealed and the following is substituted in lieu thereof (Effective October 1, 2019):

(a) No notice of cancellation of a policy to which section 38a-342 applies shall be effective unless [sent,] the notice is delivered or sent by the insurer to the named insured, and any third party designated pursuant to section 38a-323a, by registered [or] mail, certified mail, [or by] mail evidenced by a certificate of mailing [,] or, [delivered by the insurer to the named insured, and any third party designated pursuant to section 38a-323a,] if agreed between the insurer and the named insured, by electronic means, at least forty-five days before the effective date of cancellation, except that (1) where cancellation is for nonpayment of the first premium on a new policy, at least fifteen days' notice of cancellation accompanied by the reason for cancellation shall be given, and (2) where cancellation is for nonpayment of any other premium, at least ten days' notice of cancellation accompanied by the reason for cancellation shall be given. No notice of cancellation of a policy that has been in effect for less than sixty days shall be effective unless mailed or delivered by the insurer to the insured and any third party designee at least forty-five days before the effective date of cancellation, except that (A) at least fifteen days' notice shall be given where cancellation is for nonpayment of the first premium on a new policy, and (B) at least ten days' notice shall be given where cancellation is for nonpayment of any other premium or material misrepresentation. The notice of cancellation shall state or be accompanied by a statement specifying the reason for such cancellation. Any notice of cancellation for nonpayment of the first premium on a new policy may be retroactive to the effective date of such policy, provided at least fifteen days' notice has been given to the insured and any third party designee and payment of such premium has not been received during such notice period.

Sec. 511. Section 38a-344 of the general statutes is repealed and the following is substituted in lieu thereof (Effective October 1, 2019):

Proof of mailing by certified mail, return receipt requested, or, if agreed between an insurer and a named insured, delivery by electronic means with proof of a delivery receipt, notice of cancellation, [or of] an intention not to renew or of reasons for cancellation, to the named insured [,] and any third party designated pursuant to section 38a-323a [,] at the address shown in the policy, or by electronic means if agreed between an insurer and a named insured, shall be sufficient proof of notice.

Sec. 512. Subparagraph (A) of subdivision (2) of subsection (b) of section 38a-676 of the general statutes is repealed and the following is substituted in lieu thereof (Effective October 1, 2019):

(2) (A) Each filing described in subsection (a) of this section for professional liability insurance for physicians and surgeons, hospitals, advanced practice registered nurses or physician assistants shall be subject to prior rate approval in accordance with this section. On and after July 13, 2005, each insurer or rating organization seeking to increase its rates over the rates in the insurer's previous filing for such insurance by seven and one-half per cent or more shall (i) file a request for such change with the Insurance Commissioner, and (ii) send written notice of any request for an increase in rates to insureds who would be subject to the increase on such form as the commissioner prescribes by certified mail, return receipt requested, or, if agreed by the insured and the insurer or the insured and the rating organization, by electronic means with proof of a delivery receipt. Such request shall be filed and such notice shall be sent at least sixty days prior to the proposed effective date of the increase. The notice to insureds of a request for an increase in rates shall indicate that the insured may request a public hearing by submitting a written request to the Insurance Commissioner not later than fifteen days after the date notice was sent. Any request for an increase in rates under this subdivision shall be filed after notice is sent to insureds and shall indicate the date such notice was sent. Not later than fifteen days after such notice is sent, the insurer shall submit a list to the commissioner indicating the name of each insured to whom notice was sent and whether a return receipt or a delivery receipt was received for the notice sent to the insured.

Sec. 513. Subsection (a) of section 38a-724 of the general statutes is repealed and the following is substituted in lieu thereof (Effective October 1, 2019):

(a) The use of an employment contract between a public adjuster and the insured shall be mandatory.

(1) Any such contract signed on or after October 1, [2013] 2019, shall contain a provision, prominently displayed on the first page of such contract in not less than twelve-point boldface type, specifying that the insured may cancel the contract, provided such insured notifies the public adjuster at such public adjuster's main office or branch office at the address shown in the contract, by certified mail, return receipt requested, or, if agreed between the insured and the public adjuster, by electronic means with proof of a delivery receipt, posted or delivered not later than midnight of the fourth calendar day after the day on which the insured signs the contract, except that if the signing is on a Friday, Saturday or Sunday, the cancellation shall be posted not later than midnight of the Thursday immediately following, and thereafter the contract shall be void ab initio.

(2) Any such contract signed on or after October 1, [2013] 2019, that does not display the provision as specified in subdivision (1) of this subsection shall be void ab initio.

Sec. 514. Section 1 of substitute senate bill 207 of the current session, as amended by Senate Amendment Schedule "A", is repealed and the following is substituted in lieu thereof (Effective January 1, 2019):

Each insurer, health care center, fraternal benefit society, hospital service corporation, medical service corporation or other entity that delivers, issues for delivery, renews, amends or continues an individual or group health insurance policy in this state that provides coverage of the type specified in subdivision (1), (2), (4), (10), (11), (12) or (16) of section 38a-469 of the general statutes and includes coverage for inpatient or outpatient dental services shall, at least once during the term of a contract, [year,] permit a licensed dentist who provides covered dental services to an insured to refuse to accept reimbursement for such services by way of a virtual credit card. Such refusal shall apply to all covered dental services provided by such dentist during the term of such contract. [year.] As used in this section, "virtual credit card" means a single-use credit card exclusively provided in an electronic or digital format."

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

Sec. 501

from passage

SB 198 (current session), Sec. 1

Sec. 502

January 1, 2019

HB 5210 (current session), Sec. 3

Sec. 503

January 1, 2019

HB 5210 (current session), Sec. 4

Sec. 504

January 1, 2019

HB 5210 (current session), Sec. 5(a)

Sec. 505

January 1, 2019

HB 5210 (current session), Sec. 6(a)

Sec. 506

January 1, 2019

38a-503e(a)

Sec. 507

January 1, 2019

38a-530e(a)

Sec. 508

October 1, 2019

38a-323(a)(1)

Sec. 509

October 1, 2019

38a-323a

Sec. 510

October 1, 2019

38a-343(a)

Sec. 511

October 1, 2019

38a-344

Sec. 512

October 1, 2019

38a-676(b)(2)(A)

Sec. 513

October 1, 2019

38a-724(a)

Sec. 514

January 1, 2019

SB 207 (current session), Sec. 1