HB 805

1
A bill to be entitled
2An act relating to plans, policies, contracts, and
3programs for the provision of health care services;
4amending s. 408.909, F.S.; revising eligibility
5requirements for participation in health flex plans;
6amending s. 627.4236, F.S.; redefining the term "bone
7marrow transplant" for purposes of required coverage for
8certain procedures to include nonablative therapy having
9life-prolonging intent; amending s. 627.642, F.S.;
10requiring an identification card containing specified
11information to be given to insureds who have health and
12accident insurance; requiring certain insurers to provide
13to certain service providers by an Internet website
14certain information relating to a covered person;
15providing criteria; specifying time requirements for such
16insurers to implement such requirements; amending s.
17627.657, F.S.; requiring an identification card containing
18specified information to be given to insureds under group
19health insurance policies; requiring certain insurers to
20provide to certain service providers by an Internet
21website certain information relating to a covered person;
22providing criteria; specifying time requirements for such
23insurers to implement such requirements; amending s.
24627.6699, F.S.; revising a provision relating to
25applicability and scope of the Employee Health Care Access
26Act; amending s. 636.204, F.S.; revising a license
27application provision for discount medical plan
28organizations; amending s. 636.206, F.S.; revising
29examination and investigative authority; amending s.
30636.210, F.S.; providing an exception to prohibited
31activities; amending s. 636.216, F.S.; providing exception
32to review of certain charges to members of the plan;
33amending s. 636.218, F.S.; removing certain information
34from the annual report; amending s. 636.220, F.S.;
35revising certain minimum capital requirements of discount
36medical plan organizations; amending s. 636.232, F.S.;
37revising commission rulemaking authority; repealing s.
38636.230, F.S., relating to the bundling of discount
39medical plans with other products; amending s. 641.31,
40F.S.; requiring an identification card to be given to
41persons having health care services through a health
42maintenance contract; requiring certain health maintenance
43organizations to provide to certain service providers by
44an Internet website certain information relating to a
45covered person; providing criteria; specifying time
46requirements for such health maintenance organizations to
47implement such requirements; amending s. 641.316, F.S.;
48redefining the term "fiscal intermediary services
49organization"; revising registration requirements for
50fiscal intermediary services organizations; amending ss.
51383.145, 641.185, 641.2018, 641.3107, 641.3922, and
52641.513, F.S.; conforming cross-references to changes made
53by the act; providing application; providing an effective
54date.
55
56Be It Enacted by the Legislature of the State of Florida:
57
58     Section 1.  Subsection (5) of section 408.909, Florida
59Statutes, is amended to read:
60     408.909  Health flex plans.--
61     (5)  ELIGIBILITY.--Eligibility to enroll in an approved
62health flex plan is limited to residents of this state who:
63     (a)1.  Are 64 years of age or younger;
64     2.(b)  Have a family income equal to or less than 250 200
65percent of the federal poverty level;
66     3.(c)  Are eligible under a federally approved Medicaid
67demonstration waiver and reside in Palm Beach County or Miami-
68Dade County;
69     4.(d)  Are not covered by a private insurance policy and
70are not eligible for coverage through a public health insurance
71program, such as Medicare or Medicaid, unless specifically
72authorized under subparagraph 3. paragraph (c), or another
73public health care program, such as KidCare, and have not been
74covered at any time during the past 6 months; and
75     5.(e)  Have applied for health care coverage through an
76approved health flex plan and have agreed to make any payments
77required for participation, including periodic payments or
78payments due at the time health care services are provided; or
79     (b)  Are part of an employer group where at least 75
80percent of the employees have a family income equal to or less
81than 250 percent of the federal poverty level and the employee
82group is not covered by a private health insurance policy and
83has not been covered at any time during the past 6 months. If
84the health flex plan entity is a health insurer, health plan, or
85health maintenance organization properly licensed under Florida
86law, only 50 percent of the employees must meet the income
87requirements for the purposes of this paragraph.
88     Section 2.  Subsection (1) of section 627.4236, Florida
89Statutes, is amended to read:
90     627.4236  Coverage for bone marrow transplant procedures.--
91     (1)  As used in this section, the term "bone marrow
92transplant" means human blood precursor cells administered to a
93patient to restore normal hematological and immunological
94functions following ablative or nonablative therapy with
95curative or life-prolonging intent. Human blood precursor cells
96may be obtained from the patient in an autologous transplant or
97from a medically acceptable related or unrelated donor, and may
98be derived from bone marrow, circulating blood, or a combination
99of bone marrow and circulating blood. If chemotherapy is an
100integral part of the treatment involving bone marrow
101transplantation, the term "bone marrow transplant" includes both
102the transplantation and the chemotherapy.
103     Section 3.  Subsections (3) and (4) are added to section
104627.642, Florida Statutes, to read:
105     627.642  Outline of coverage.--
106     (3)  In addition to the outline of coverage, a policy as
107specified in s. 627.6699(3)(k) must be accompanied by an
108identification card that contains, at a minimum:
109     (a)  The name of the organization issuing the policy or
110name of the organization administering the policy, whichever
111applies.
112     (b)  The name of the contract holder.
113     (c)  The type of plan only if the health plan is filed with
114the state, an indication that the plan is self-funded, or the
115name of the network.
116     (d)  The member identification number, contract number, and
117policy or group number, if applicable.
118     (e)  A contact phone number or electronic address for
119authorizations.
120     (f)  A phone number or electronic address whereby the
121covered person or hospital, physician, or other person rendering
122services covered by the policy may determine if the plan is
123insured and may obtain a benefits verification in order to
124estimate patient financial responsibility, in compliance with
125privacy rules under the Health Insurance Portability and
126Accountability Act.
127     (g)  The national plan identifier, in accordance with the
128compliance date set forth by the federal Department of Health
129and Human Services.
130
131The identification card must present the information in a
132readily identifiable manner or, alternatively, the information
133may be embedded on the card and available through magnetic
134stripe or smart card. The information may also be provided
135through other electronic technology.
136     (4)(a)  An insurer that issues a health insurance policy
137shall provide a hospital, physician, or other person rendering
138services covered by the policy electronic access to the covered
139person's eligibility and benefits information through a secure
140Internet website. The eligibility and benefits information shall
141comply with the transaction standards specified in ANSI ASC X12N
142270 for health care claim eligibility inquiries and ANSI ASC
143X12N 271 for health care claim eligibility responses, or
144successor transaction standards, pursuant to the Health
145Insurance Portability and Accountability Act.
146     (b)  An insurer shall develop an implementation plan to
147comply with paragraph (a) no later than March 31, 2007, and
148shall make the eligibility and benefits information described in
149this subsection available through a secure Internet website no
150later than July 1, 2007.
151     Section 4.  Present subsection (2) of section 627.657,
152Florida Statutes, is renumbered as subsection (4), and new
153subsections (2) and (3) are added to that section, to read:
154     627.657  Provisions of group health insurance policies.--
155     (2)  The medical policy as specified in s. 627.6699(3)(k)
156must be accompanied by an identification card that contains, at
157a minimum:
158     (a)  The name of the organization issuing the policy or
159name of the organization administering the policy, whichever
160applies.
161     (b)  The name of the certificateholder.
162     (c)  The type of plan only if the health plan is filed with
163the state, an indication that the plan is self-funded, or the
164name of the network.
165     (d)  The member identification number, contract number, and
166policy or group number, if applicable.
167     (e)  A contact phone number or electronic address for
168authorizations.
169     (f)  A phone number or electronic address whereby the
170covered person or hospital, physician, or other person rendering
171services covered by the policy may determine if the plan is
172insured and may obtain a benefits verification in order to
173estimate patient financial responsibility, in compliance with
174privacy rules under the Health Insurance Portability and
175Accountability Act.
176     (g)  The national plan identifier, in accordance with the
177compliance date set forth by the federal Department of Health
178and Human Services.
179
180The identification card must present the information in a
181readily identifiable manner or, alternatively, the information
182may be embedded on the card and available through magnetic
183stripe or smart card. The information may also be provided
184through other electronic technology.
185     (3)(a)  An insurer that issues a group health insurance
186policy shall provide a hospital, physician, or other person
187rendering services covered by the policy electronic access to
188the covered person's eligibility and benefits information
189through a secure Internet website. The eligibility and benefits
190information shall comply with the transaction standards
191specified in ANSI ASC X12N 270 for health care claim eligibility
192inquiries and ANSI ASC X12N 271 for health care claim
193eligibility responses, or successor transaction standards,
194pursuant to the Health Insurance Portability and Accountability
195Act.
196     (b)  An insurer shall develop an implementation plan to
197comply with paragraph (a) no later than March 31, 2007, and
198shall make the eligibility and benefits information described in
199this subsection available through a secure Internet website no
200later than July 1, 2007.
201     Section 5.  Paragraph (a) of subsection (4) of section
202627.6699, Florida Statutes, is amended to read:
203     627.6699  Employee Health Care Access Act.--
204     (4)  APPLICABILITY AND SCOPE.--
205     (a)1.  This section applies to a health benefit plan that
206provides coverage to employees of a small employer in this
207state, unless the coverage is marketed directly to the
208individual employee, and the employer does not contribute
209directly or indirectly to the premiums or facilitate the
210administration of the coverage in any manner. For the purposes
211of this subparagraph, an employer is not deemed to be
212contributing to the premiums or facilitating the administration
213of coverage if the employer:
214     a.  Does not contribute to the premium and merely collects
215the premiums for coverage from an employee's wages or salary
216through payroll deduction and submits payment for the premiums
217of one or more employees in a lump sum to a carrier; or
218     b.  Directly or indirectly establishes or administers a
219health reimbursement account plan for its employees.
220     2.  A carrier authorized to issue group or individual
221health benefit plans under this chapter or chapter 641 may offer
222coverage as described in this paragraph to individual employees
223without being subject to this section if the employer has not
224had a group health benefit plan in place in the prior 6 months.
225A carrier authorized to issue group or individual health benefit
226plans under this chapter or chapter 641 may offer coverage as
227described in this subparagraph to employees that are not
228eligible employees as defined in this section, whether or not
229the small employer has a group health benefit plan in place. A
230carrier that offers coverage as described in this subparagraph
231must provide a cancellation notice to the primary insured at
232least 10 days prior to canceling the coverage for nonpayment of
233premium.
234     Section 6.  Paragraph (i) of subsection (2) of section
235636.204, Florida Statutes, is amended to read:
236     636.204  License required.--
237     (2)  An application for a license to operate as a discount
238medical plan organization must be filed with the office on a
239form prescribed by the commission. Such application must be
240sworn to by an officer or authorized representative of the
241applicant and be accompanied by the following, if applicable:
242     (i)  A copy of the applicant's most recent financial
243statements audited by an independent certified public
244accountant. An applicant that is a subsidiary of a parent entity
245that is publicly traded and that prepares audited financial
246statements reflecting the consolidated operations of the parent
247entity and the subsidiary may submit petition the office to
248accept, in lieu of the audited financial statement of the
249applicant, the audited financial statement of the parent entity
250and a written guaranty by the parent entity that the minimum
251capital requirements of the applicant required by this part will
252be met by the parent entity.
253     Section 7.  Subsection (1) of section 636.206, Florida
254Statutes, is amended to read:
255     636.206  Examinations and investigations.--
256     (1)  The office may examine or investigate the business and
257affairs of any discount medical plan organization if the
258commissioner has reason to believe that the discount medical
259plan organization is not complying with the requirements of this
260act. The office may order any discount medical plan organization
261or applicant to produce any records, books, files, advertising
262and solicitation materials, or other information and may take
263statements under oath to determine whether the discount medical
264plan organization or applicant is in violation of the law or is
265acting contrary to the public interest. The expenses incurred in
266conducting any examination or investigation must be paid by the
267discount medical plan organization or applicant. Examinations
268and investigations must be conducted as provided in chapter 624.
269     Section 8.  Subsection (1) of section 636.210, Florida
270Statutes, is amended to read:
271     636.210  Prohibited activities of a discount medical plan
272organization.--
273     (1)  A discount medical plan organization may not:
274     (a)  Use in its advertisements, marketing material,
275brochures, and discount cards the term "insurance" except as
276otherwise provided in this part or as a disclaimer of any
277relationship between discount medical plan organization benefits
278and insurance;
279     (b)  Use in its advertisements, marketing material,
280brochures, and discount cards the terms "health plan,"
281"coverage," "copay," "copayments," "preexisting conditions,"
282"guaranteed issue," "premium," "PPO," "preferred provider
283organization," or other terms in a manner that could reasonably
284mislead a person into believing the discount medical plan was
285health insurance;
286     (c)  Have restrictions on free access to plan providers,
287except for hospital services, including, but not limited to,
288waiting periods and notification periods; or
289     (d)  Pay providers any fees for medical services.
290     Section 9.  Subsections (1), (3), and (4) of section
291636.216, Florida Statutes, are amended to read:
292     636.216  Charge or form filings.--
293     (1)  All charges to members must be filed with the office.
294and Any charge to members greater than $30 per month or $360 per
295year for access to healthcare services, other than those
296provided by physicians licensed under chapter 458 or chapter 459
297or by hospitals licensed under chapter 395, must be approved by
298the office before the charges can be used. Any charge to members
299greater than $60 dollars per month or $720 per year for
300healthcare services that include services provided by physicians
301licensed under chapters 458 and 459 or by hospitals licensed
302under chapter 395 must be approved by the office before the
303charges can be used. The discount medical plan organization has
304the burden of proof that the charges bear a reasonable relation
305to the benefits received by the member.
306     (3)  All forms used, including the written agreement
307pursuant to subsection (2), must first be filed with and
308approved by the office. Every form filed shall be identified by
309a unique form number placed in the lower left corner of each
310form.
311     (4)  A charge or form is considered approved on the 60th
312day after its date of filing unless it has been previously
313disapproved by the office. The office shall disapprove any form
314that does not meet the requirements of this part or that is
315unreasonable, discriminatory, misleading, or unfair. If such
316filing is filings are disapproved, the office shall notify the
317discount medical plan organization and shall specify in the
318notice the reasons for disapproval.
319     Section 10.  Subsection (2) of section 636.218, Florida
320Statutes, is amended to read:
321     636.218  Annual reports.--
322     (2)  Such reports must be on forms prescribed by the
323commission and must include:
324     (a)  Audited financial statements prepared in accordance
325with generally accepted accounting principles certified by an
326independent certified public accountant, including the
327organization's balance sheet, income statement, and statement of
328changes in cash flow for the preceding year. An organization
329that is a subsidiary of a parent entity that is publicly traded
330and that prepares audited financial statements reflecting the
331consolidated operations of the parent entity and the
332organization may petition the office to accept, in lieu of the
333audited financial statement of the organization, the audited
334financial statement of the parent entity and a written guaranty
335by the parent entity that the minimum capital requirements of
336the organization required by this part will be met by the parent
337entity.
338     (a)(b)  If different from the initial application or the
339last annual report, a list of the names and residence addresses
340of all persons responsible for the conduct of the organization's
341affairs, together with a disclosure of the extent and nature of
342any contracts or arrangements between such persons and the
343discount medical plan organization, including any possible
344conflicts of interest.
345     (b)(c)  The number of discount medical plan members in the
346state.
347     (c)(d)  Such other information relating to the performance
348of the discount medical plan organization as is reasonably
349required by the commission or office.
350     Section 11.  Subsection (1) of section 636.220, Florida
351Statutes, is amended to read:
352     636.220  Minimum capital requirements.--
353     (1)  Each discount medical plan organization must at all
354times maintain a net worth of at least $150,000 and each
355discount medical plan organization shall certify in writing
356under oath at licensure and annually that the minimum
357capitalization requirements of this part are satisfied.
358     Section 12.  Section 636.232, Florida Statutes, is amended
359to read:
360     636.232  Rules.--The commission may adopt rules to
361administer this part, including rules for the licensing of
362discount medical plan organizations; establishing standards for
363evaluating forms, advertisements, marketing materials,
364brochures, and discount cards; providing for the collection of
365data; relating to disclosures to plan members; and defining
366terms used in this part.
367     Section 13.  Section 636.230, Florida Statutes, is
368repealed.
369     Section 14.  Present subsections (5) through (40) of
370section 641.31, Florida Statutes, are renumbered as subsections
371(7) through (42), respectively, and new subsections (5) and (6)
372are added to that section, to read:
373     641.31  Health maintenance contracts.--
374     (5)  The contract, certificate, or member handbook must be
375accompanied by an identification card that contains, at a
376minimum:
377     (a)  The name of the organization offering the contract or
378name of the organization administering the contract, whichever
379applies.
380     (b)  The name of the subscriber.
381     (c)  A statement that the health plan is a health
382maintenance organization. Only a health plan with a certificate
383of authority issued under this chapter may be identified as a
384health maintenance organization.
385     (d)  The member identification number, contract number, and
386group number, if applicable.
387     (e)  A contact phone number or electronic address for
388authorizations.
389     (f)  A phone number or electronic address whereby the
390covered person or hospital, physician, or other person rendering
391services covered by the contract may determine if the plan is
392insured and may obtain a benefits verification in order to
393estimate patient financial responsibility, in compliance with
394privacy rules under the Health Insurance Portability and
395Accountability Act.
396     (g)  The national plan identifier, in accordance with the
397compliance date set forth by the federal Department of Health
398and Human Services.
399
400The identification card must present the information in a
401readily identifiable manner or, alternatively, the information
402may be embedded on the card and available through magnetic
403stripe or smart card. The information may also be provided
404through other electronic technology.
405     (6)(a)  A health maintenance organization shall provide a
406hospital, physician, or other person rendering services covered
407by the policy electronic access to the covered person's
408eligibility and benefits information through a secure Internet
409website. The eligibility and benefits information shall comply
410with the transaction standards specified in ANSI ASC X12N 270
411for health care claim eligibility inquiries and ANSI ASC X12N
412271 for health care claim eligibility responses, or successor
413transaction standards, pursuant to the Health Insurance
414Portability and Accountability Act.
415     (b)  A health maintenance organization shall develop an
416implementation plan to comply with paragraph (a) no later than
417March 31, 2007, and shall make the eligibility and benefits
418information described in this subsection available through a
419secure Internet website no later than July 1, 2007.
420     Section 15.  Paragraph (j) of subsection (3) of section
421383.145, Florida Statutes, is amended to read:
422     383.145  Newborn and infant hearing screening.--
423     (3)  REQUIREMENTS FOR SCREENING OF NEWBORNS; INSURANCE
424COVERAGE; REFERRAL FOR ONGOING SERVICES.--
425     (j)  The initial procedure for screening the hearing of the
426newborn or infant and any medically necessary followup
427reevaluations leading to diagnosis shall be a covered benefit,
428reimbursable under Medicaid as an expense compensated
429supplemental to the per diem rate for Medicaid patients enrolled
430in MediPass or Medicaid patients covered by a fee for service
431program. For Medicaid patients enrolled in HMOs, providers shall
432be reimbursed directly by the Medicaid Program Office at the
433Medicaid rate. This service may not be considered a covered
434service for the purposes of establishing the payment rate for
435Medicaid HMOs. All health insurance policies and health
436maintenance organizations as provided under ss. 627.6416,
437627.6579, and 641.31(32)(30), except for supplemental policies
438that only provide coverage for specific diseases, hospital
439indemnity, or Medicare supplement, or to the supplemental
440polices, shall compensate providers for the covered benefit at
441the contracted rate. Nonhospital-based providers shall be
442eligible to bill Medicaid for the professional and technical
443component of each procedure code.
444     Section 16.  Paragraphs (b) and (i) of subsection (1) of
445section 641.185, Florida Statutes, are amended to read:
446     641.185  Health maintenance organization subscriber
447protections.--
448     (1)  With respect to the provisions of this part and part
449III, the principles expressed in the following statements shall
450serve as standards to be followed by the commission, the office,
451the department, and the Agency for Health Care Administration in
452exercising their powers and duties, in exercising administrative
453discretion, in administrative interpretations of the law, in
454enforcing its provisions, and in adopting rules:
455     (b)  A health maintenance organization subscriber should
456receive quality health care from a broad panel of providers,
457including referrals, preventive care pursuant to s. 641.402(1),
458emergency screening and services pursuant to ss. 641.31(14)(12)
459and 641.513, and second opinions pursuant to s. 641.51.
460     (i)  A health maintenance organization subscriber should
461receive timely and, if necessary, urgent grievances and appeals
462within the health maintenance organization pursuant to ss.
463641.228, 641.31(7)(5), 641.47, and 641.511.
464     Section 17.  Subsection (1) of section 641.2018, Florida
465Statutes, is amended to read:
466     641.2018  Limited coverage for home health care
467authorized.--
468     (1)  Notwithstanding other provisions of this chapter, a
469health maintenance organization may issue a contract that limits
470coverage to home health care services only. The organization and
471the contract shall be subject to all of the requirements of this
472part that do not require or otherwise apply to specific benefits
473other than home care services. To this extent, all of the
474requirements of this part apply to any organization or contract
475that limits coverage to home care services, except the
476requirements for providing comprehensive health care services as
477provided in ss. 641.19(4), (11), and (12), and 641.31(1), except
478ss. 641.31(11)(9), (14)(12), (17), (18), (19), (20), (21), (23),
479and (26)(24) and 641.31095.
480     Section 18.  Section 641.3107, Florida Statutes, is amended
481to read:
482     641.3107  Delivery of contract.--Unless delivered upon
483execution or issuance, a health maintenance contract,
484certificate of coverage, or member handbook shall be mailed or
485delivered to the subscriber or, in the case of a group health
486maintenance contract, to the employer or other person who will
487hold the contract on behalf of the subscriber group within 10
488working days from approval of the enrollment form by the health
489maintenance organization or by the effective date of coverage,
490whichever occurs first. However, if the employer or other person
491who will hold the contract on behalf of the subscriber group
492requires retroactive enrollment of a subscriber, the
493organization shall deliver the contract, certificate, or member
494handbook to the subscriber within 10 days after receiving notice
495from the employer of the retroactive enrollment. This section
496does not apply to the delivery of those contracts specified in
497s. 641.31(15)(13).
498     Section 19.  Paragraph (a) of subsection (7) of section
499641.3922, Florida Statutes, is amended to read:
500     641.3922  Conversion contracts; conditions.--Issuance of a
501converted contract shall be subject to the following conditions:
502     (7)  REASONS FOR CANCELLATION; TERMINATION.--The converted
503health maintenance contract must contain a cancellation or
504nonrenewability clause providing that the health maintenance
505organization may refuse to renew the contract of any person
506covered thereunder, but cancellation or nonrenewal must be
507limited to one or more of the following reasons:
508     (a)  Fraud or intentional misrepresentation, subject to the
509limitations of s. 641.31(25)(23), in applying for any benefits
510under the converted health maintenance contract.;
511     Section 20.  Subsection (4) of section 641.513, Florida
512Statutes, is amended to read:
513     641.513  Requirements for providing emergency services and
514care.--
515     (4)  A subscriber may be charged a reasonable copayment, as
516provided in s. 641.31(14)(12), for the use of an emergency room.
517     Section 21.  Paragraph (b) of subsection (2) and subsection
518(6) of section 641.316, Florida Statutes, are amended to read:
519     641.316  Fiscal intermediary services.--
520     (2)
521     (b)  The term "fiscal intermediary services organization"
522means a person or entity that which performs fiduciary or fiscal
523intermediary services to health care professionals who contract
524with health maintenance organizations other than a fiscal
525intermediary services organization owned, operated, or
526controlled by a hospital licensed under chapter 395, an insurer
527licensed under chapter 624, a third-party administrator licensed
528under chapter 626, a prepaid limited health service organization
529licensed under chapter 636, a health maintenance organization
530licensed under this chapter, or physician group practices as
531defined in s. 456.053(3)(h) and providing services under the
532scope of licenses of the members of the group practice.
533     (6)  Any fiscal intermediary services organization, other
534than a fiscal intermediary services organization owned,
535operated, or controlled by a hospital licensed under chapter
536395, an insurer licensed under chapter 624, a third-party
537administrator licensed under chapter 626, a prepaid limited
538health service organization licensed under chapter 636, a health
539maintenance organization licensed under this chapter, or
540physician group practices as defined in s. 456.053(3)(h), and
541providing services under the scope of licenses of the members of
542the group practice, must register with the office and meet the
543requirements of this section. In order to register as a fiscal
544intermediary services organization, the organization must comply
545with ss. 641.21(1)(c), and (d), and (j), and 641.22(6), and
546641.27. The fiscal intermediary services organization must also
547comply with the provisions of ss. 641.3155, 641.3156, and
548641.51(4). Should the office determine that the fiscal
549intermediary services organization does not meet the
550requirements of this section, the registration shall be denied.
551In the event that the registrant fails to maintain compliance
552with the provisions of this section, the office may revoke or
553suspend the registration. In lieu of revocation or suspension of
554the registration, the office may levy an administrative penalty
555in accordance with s. 641.25.
556     Section 22.  This act shall take effect January 1, 2007,
557and shall apply to identification cards issued for policies or
558certificates issued or renewed on or after that date.


CODING: Words stricken are deletions; words underlined are additions.