MO Insurance Bulletin 2013-06: Implementation of Senate Bill 62 (2011)

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INSURANCE BULLETIN 13-06

Implementation of Senate Bill 62 (2011)

Issued September 24, 2013

To:

All health carriers doing business in Missouri.

All producers and all other interested parties.

From: John M. Huff, Director

Re:

Implementation and location of statutes administered by the DIFP within Senate Bill 62

(2011)

Please be advised, Senate Bill 62 (2011) enacted section 376.1190, which provides as follows:

1. Health carriers shall permit individuals to learn the amount of cost-sharing,

including deductibles, copayments, and coinsurance, under the individual's health

benefit plan or coverage that the individual would be responsible for paying with

respect to the furnishing of a specific item or service by a participating provider in a

timely manner upon the request of the individual. At a minimum, such information

shall be made available to such individual through an internet website and such other

means for individuals without access to the internet. As used in this section, the

terms "health carrier" and "health benefit plans" shall have the same meanings

assigned to them in section 376.1350.

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2. This section shall not apply to a supplemental insurance policy, including a life

care contract, accident-only policy, specified disease policy, hospital policy

providing a fixed daily benefit only, Medicare supplement policy, long-term care

policy, hospitalization-surgical care policy, short-term major medical policy of six

months or less duration, or any other supplemental policy.

3. Any health care benefit mandate proposed after August 28, 2011, shall be subject

to review by the oversight division of the joint committee on legislative research.

The oversight division shall perform an actuarial analysis of the cost impact to

private and public payers of any new or revised mandated health care benefit

proposed by the general assembly after August 28, 2011, and a recommendation

shall be delivered to the speaker and the president pro tem prior to mandate being

enacted.

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versight division of the joint committee on legislative research.

The oversight division shall perform an actuarial analysis of the cost impact to

private and public payers of any new or revised mandated health care benefit

proposed by the general assembly after August 28, 2011, and a recommendation

shall be delivered to the speaker and the president pro tem prior to mandate being

enacted.

4. The provisions of subsections 1 and 2 shall become effective on January 1, 2014.

The Reviser of Statutes has divided the above-referenced statute into two separate and distinct

statutes. Subsections 1, 2, and 4 can be found in the newly created section 376.446 while

subsection 3 remains in section 376.1190.

Please be advised, section 376.446 becomes effective on January 1, 2014.

This bulletin is for informational purposes only. Every health carrier operating in this state, every

health insurance producer, and all other interested parties are strongly encouraged to review this

law in its entirety to ensure compliance.