Connecticut Seal

General Assembly

Amendment

 

January Session, 2011

LCO No. 8035

   
 

*SB0001108035SRO*

Offered by:

 

SEN. FASANO, 34th Dist.

 

To: Subst. Senate Bill No. 11

File No. 203

Cal. No. 157

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

"Sec. 501. (NEW) (Effective January 1, 2012) (a) Notwithstanding the provisions of chapter 700c of the general statutes, any insurer, health care center, hospital service corporation, medical service corporation or other entity that delivers, issues for delivery, renews, amends or continues an individual health insurance policy or medical benefits plan that provides coverage of the type specified in subdivisions (1), (2), (4), (11) and (12) of section 38a-469 of the general statutes may offer one or more individual flexible health benefits policies that shall be exempt from the health insurance benefits mandated by chapter 700c of the general statutes.

(b) Each individual flexible health benefits policy shall be approved by the Insurance Commissioner and any marketing material, application for coverage and enrollment material relative to such policy or plan shall include the following statement printed in not less than twelve-point boldface type and located in a conspicuous manner on such document: "This is a flexible health benefits policy, which is not subject to all of the state-mandated health insurance benefits normally required in Connecticut. While this flexible health benefits policy may provide fewer health benefits than a policy subject to all of the state-mandated health insurance benefits, it may provide you with a more affordable option. Please consult your insurance producer as to which state-mandated health insurance benefits are excluded from this policy as well as what benefits are included in this policy. "

(c) Each insurer, health care center, hospital service corporation, medical service corporation or other entity offering an individual flexible health benefits policy shall provide to each applicant for such policy the option to purchase at least one health insurance policy or plan that includes all health insurance benefits mandated by chapter 700c of the general statutes.

(d) The Insurance Commissioner may adopt regulations, in accordance with chapter 54 of the general statutes, to establish minimum coverages or benefits for such flexible health benefits policies.

Sec. 502. (NEW) (Effective January 1, 2012) (a) Notwithstanding the provisions of chapter 700c of the general statutes, any insurer, health care center, hospital service corporation, medical service corporation or other entity that delivers, issues for delivery, renews, amends or continues a group health insurance policy or medical benefits plan that provides coverage of the type specified in subdivisions (1), (2), (4), (11) and (12) of section 38a-469 of the general statutes may offer one or more group flexible health benefits policies that shall be exempt from the health insurance benefits mandated by chapter 700c of the general statutes.

(b) (1) Each group flexible health benefits policy shall be approved by the Insurance Commissioner and any marketing material, application for coverage and enrollment material relative to such policy or plan shall include the following statement printed in not less than twelve-point boldface type and located in a conspicuous manner on such document: "This is a flexible health benefits policy, which is not subject to all of the state-mandated health insurance benefits normally required in Connecticut. While this flexible health benefits policy may provide fewer health benefits than a policy subject to all of the state-mandated health insurance benefits, it may provide you with a more affordable option. Please consult your insurance producer as to which state-mandated health insurance benefits are excluded from this policy as well as what benefits are covered by this policy. "

(2) Each policyholder that purchases a group flexible health benefits policy shall provide a notice to each certificate holder that (A) includes a statement that such policy is a flexible health benefits policy that is not subject to all of the state-mandated health insurance benefits normally required in Connecticut, and (B) discloses the health insurance benefits mandated by chapter 700c of the general statutes that are excluded from such policy and the health insurance benefits that are covered by such policy.

(c) Each insurer, health care center, hospital service corporation, medical service corporation or other entity offering a group flexible health benefits policy shall provide to each applicant for such policy the option to purchase at least one health insurance policy or plan that includes all health insurance benefits mandated by chapter 700c of the general statutes.

(d) The Insurance Commissioner may adopt regulations, in accordance with chapter 54 of the general statutes, to establish minimum coverages or benefits for such flexible health benefits policies. "