HOUSE AMENDMENT Bill No. HB 999 CS
1	CHAMBER ACTION
2	Senate House
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12	Representative Negron offered the following:
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14	Amendment (with amendment)
15	Remove line(s) 136-327, and insert:
16	Section 2. Subsection (2) of section 627.6515, Florida
17	Statutes, is amended, and subsection (9) is added to said
18	section, to read:
19	627.6515 Out-of-state groups.--
20	(2) Except as provided in this part,this part does not
21	apply to a group health insurance policy issued or delivered
22	outside this state under which a resident of this state is
23	provided coverage if:
24	(a) The policy is issued to an employee group the
25	composition of which is substantially as described in s.
26	627.653; a labor union group or association group the
27	composition of which is substantially as described in s.
28	627.654; an additional group the composition of which is
29	substantially as described in s. 627.656; a group insured under
30	a blanket health policy when the composition of the group is
31	substantially in compliance with s. 627.659; a group insured
32	under a franchise health policy when the composition of the
33	group is substantially in compliance with s. 627.663; an
34	association group to cover persons associated in any other
35	common group, which common group is formed primarily for
36	purposes other than providing insurance; a group that is
37	established primarily for the purpose of providing group
38	insurance, provided the benefits are reasonable in relation to
39	the premiums charged thereunder and the issuance of the group
40	policy has resulted, or will result, in economies of
41	administration; or a group of insurance agents of an insurer,
42	which insurer is the policyholder;
43	(b) Certificates evidencing coverage under the policy are
44	issued to residents of this state and contain in contrasting
45	color and not less than 10-point type the following statement:
46	"The benefits of the policy providing your coverage are governed
47	primarily by the law of a state other than Florida"; and
48	(c) The policy provides the benefits specified in ss.
49	627.419, 627.6574, 627.6575, 627.6579, 627.6612, 627.66121,
50	627.66122, 627.6613, 627.667, 627.6675, 627.6691, and 627.66911;
51	and
52	(d) Applications for certificates of coverage offered to
53	residents of this state contain, in contrasting color and not
54	less than 12-point type, the following statement on the same
55	page as the applicant signature: “This policy is primarily
56	governed by the laws of (insert state where the master policy is
57	filed). As a result, all of the rating laws applicable to
58	policies filed in Florida do not apply to this coverage, which
59	may result in increases in your premium at renewal that would
60	not be permissible under a Florida-approved policy. Any purchase
61	of individual health insurance should be considered carefully,
62	as future medical conditions may make it impossible to qualify
63	for another individual health policy. For information concerning
64	individual health coverage under a Florida-approved policy,
65	consult your agent or the Florida Department of Financial
66	Services.” The provisions of this paragraph only apply to group
67	certificates providing health insurance coverage, as described
68	in s. 627.6699(3)(k), which require individual underwriting to
69	determine coverage eligibility for an individual or premium
70	rates to be charged to an individual except for the following:
71	1. Policies issued to provide coverage to groups of
72	persons all of whom are in the same or functionally related
73	licensed professions, and providing coverage only to such
74	licensed professionals, their employees or their dependents;
75	2. Policies providing coverage to small employers as
76	defined by s. 627.6699. Such policies shall be subject to, and
77	governed by, the provisions of s. %_%1%_%; or
78	3. Policies issued to a bona fide association, as defined
79	by s. 627.6571(5), provided there is a person or board acting as
80	a fiduciary for the benefit of the members; such association is
81	not owned, controlled by, or otherwise associated with the
82	insurance company; and the renewal rate changes are the same
83	uniform percentage adjustment for all covered members.
84	(9) Any insured shall be able to terminate membership or
85	affiliation with the group to whom the master policy is issued.
86	An insured that elects to terminate his membership or
87	affiliation with the group, shall provide written notice to the
88	insurer. Upon providing such notice, the member shall be
89	entitled to the rights and options provided by s. 627.6675.
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92	================= T I T L E A M E N D M E N T =================
93	Remove line(s) 13-24, and insert:
94	exemptions; amending s. 627.6515, F.S.; providing for disclosure
95	and exceptions to disclosures; clarifying applicability to out-
96	of-state group policies; providing an effective date.