| 1 | Representative Bean offered the following: |
| 2 |
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| 3 | Amendment (with title amendment) |
| 4 | Remove lines 963-1026 and insert: |
| 5 | (1) If an insurer offers coverage that insures dependent |
| 6 | children of the policyholder or certificateholder, the policy |
| 7 | must insure a dependent child of the policyholder or |
| 8 | certificateholder at least until the end of the calendar year in |
| 9 | which the child reaches the age of 25, if the child meets all of |
| 10 | the following: |
| 11 | (a) The child is dependent upon the policyholder or |
| 12 | certificateholder for support. |
| 13 | (b) The child is living in the household of the |
| 14 | policyholder or certificateholder, or the child is a full-time |
| 15 | or part-time student. |
| 16 | (2) A policy that is subject to the requirements of |
| 17 | subsection (1) must also offer the policyholder or |
| 18 | certificateholder the option to insure a child of the |
| 19 | policyholder or certificateholder at least until the end of the |
| 20 | calendar year in which the child reaches the age of 30, if the |
| 21 | child: |
| 22 | (a) Is unmarried and does not have a dependent of his or |
| 23 | her own; |
| 24 | (b) Is a resident of this state or a full-time or part- |
| 25 | time student; and |
| 26 | (c) Is not provided coverage as a named subscriber, |
| 27 | insured, enrollee, or covered person under any other group, |
| 28 | blanket, or franchise health insurance policy or individual |
| 29 | health benefits plan, or entitled to benefits under Title XVIII |
| 30 | of the Social Security Act. |
| 31 | (3) If, pursuant to subsection (2), a child is provided |
| 32 | coverage under the parent's policy after the end of the calendar |
| 33 | year in which the child reaches age 25, and coverage for the |
| 34 | child is subsequently terminated, the child is not eligible to |
| 35 | be covered under the parent's policy unless the child was |
| 36 | continuously covered by other creditable coverage without a gap |
| 37 | in coverage of more than 63 days. For the purposes of this |
| 38 | subsection, the term "creditable coverage" has the same meaning |
| 39 | as defined in s. 627.6561(5). |
| 40 | (4)(2) Nothing in This section does not affect or preempt |
| 41 | affects or preempts an insurer's right to medically underwrite |
| 42 | or charge the appropriate premium. (b) Require coverage |
| 43 | for services provided to a dependent before October 1, 2008. |
| 44 | (c) Require an employer to pay all or part of the cost of |
| 45 | coverage provided for a dependent under this section. |
| 46 | (d) Prohibit an insurer or health maintenance organization |
| 47 | from increasing the limiting age for dependent coverage to age |
| 48 | 30 in policies or contracts issued or renewed prior to the |
| 49 | effective date of this act. |
| 50 | (5) Until April 1, 2009, a dependent child who qualifies |
| 51 | for coverage under subsection (1) but whose coverage as a |
| 52 | dependent child under a covered person's plan terminated under |
| 53 | the terms of the plan before October 1, 2008, may make a written |
| 54 | election to reinstate coverage, without proof of insurability, |
| 55 | under that plan as a dependent child pursuant to this section. |
| 56 | All other dependent children who qualify for coverage under |
| 57 | subsection (1) shall be automatically covered at least until the |
| 58 | end of the calendar year in which the child reaches the age of |
| 59 | 30, unless the covered person provides the group policyholder |
| 60 | with written evidence the dependent child is married, is not a |
| 61 | resident of the state, is covered under a separate comprehensive |
| 62 | health insurance policy or a health benefit plan, is entitled to |
| 63 | benefits under Title XVIII of the Social Security Act, Pub. L. |
| 64 | No. 89-97, 42 U.S.C. ss. 1935 et seq., or is eligible for |
| 65 | coverage as an employee under an employer-sponsored health plan. |
| 66 | (6) The covered person's plan may require the payment of a |
| 67 | premium by the covered person or dependent child, as |
| 68 | appropriate, subject to the approval of the Office of Insurance |
| 69 | Regulation, for any period of coverage relating to a dependent's |
| 70 | written election for coverage pursuant to subsection (3). |
| 71 | (7) Notice regarding the reinstatement of coverage for a |
| 72 | dependent child as provided under this section must be provided |
| 73 | to a covered person in the certificate of coverage prepared for |
| 74 | covered persons by the insurer or by the covered person's |
| 75 | employer. The notice shall be given as soon as practicable after |
| 76 | July 1, 2008, and such notice may be given through the group |
| 77 | policyholder. |
| 78 | (8) This section does not apply to accident only, |
| 79 | specified disease, disability income, Medicare supplement, or |
| 80 | long-term care insurance policies. |
| 81 | (9) This section applies to all group, blanket, and |
| 82 |
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| 83 |
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| 84 |
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| 85 |
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| 86 | ----------------------------------------------------- |
| 87 | T I T L E A M E N D M E N T |
| 88 | Remove lines 101-122 and insert: |
| 89 | coverage; amending s. 627.6562, F.S.; requiring insurance |
| 90 | policies that provide dependent coverage to provide the |
| 91 | policyholder with the option of insuring a child until the age |
| 92 | of 30 under certain circumstances; amending s. 641.402, F.S.; |
| 93 | revising the |
| 94 |
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