Florida Senate - 2009 CS for SB 2256 By the Committee on Higher Education; and Senator Oelrich 589-03432-09 20092256c1 1 A bill to be entitled 2 An act relating to state university student health 3 insurance; creating s. 1006.72, F.S.; providing a 4 short title and legislative intent; providing 5 requirements for state universities that have health 6 centers; authorizing a state university to require 7 student proof of health insurance coverage if certain 8 conditions are met or to require the purchase of 9 university-sponsored or other insurance in certain 10 circumstances; providing that a student is responsible 11 for resolving outstanding balances owed to a 12 university health center; providing requirements for 13 acceptable alternative insurance; providing 14 requirements for proof of coverage; providing 15 requirements for university-sponsored insurance 16 providers; requiring annual reporting by state 17 universities; requiring that the Board of Governors of 18 the State University System review and report to the 19 Legislature on student access to health care services; 20 providing an effective date. 21 22 Be It Enacted by the Legislature of the State of Florida: 23 24 Section 1. Section 1006.72, Florida Statutes, is created to 25 read: 26 1006.72 State university student health insurance.— 27 (1) TITLE.—This act may be cited as the “Student Health 28 Insurance Protection Act.” 29 (2) INTENT.—It is the intent of the Legislature that: 30 (a) State universities assist university students, the 31 majority of whom have private health insurance coverage, by 32 billing the private insurer for services received at the 33 university health center. 34 (b) State universities requiring mandatory health insurance 35 coverage recognize private health insurance as an alternative to 36 the university health insurance coverage. 37 (c) State universities maximize revenues by collecting 38 funds from student private health insurers to subsidize the 39 operations of the university health center and to reduce health 40 fees or fees for health services to the greatest extent 41 possible. 42 (3) STUDENT HEALTH INSURANCE.—Beginning July 1, 2010, each 43 state university that charges a health fee and fees for services 44 provided in the university health center and that has a 45 university health center that employs at least one full-time 46 physician must: 47 (a) Bill a student’s private health insurer for services, 48 prescriptions, or other items provided by the university health 49 center for which the student is assessed a charge. 50 (b) Ensure that the university health center is considered 51 an in-network provider with respect to at least five of the 10 52 largest health insurance companies or managed care plans 53 providing coverage in this state. 54 55 Notwithstanding the provisions of this subsection, a student is 56 responsible for resolving any outstanding balances owed to the 57 university health center, subject to the health insurer or 58 managed care agreement between the university and the health 59 insurance company or managed care plan. 60 (4) MANDATORY HEALTH INSURANCE COVERAGE.— 61 (a) Beginning July 1, 2010, each state university requiring 62 students to provide proof of health insurance coverage as a 63 nonacademic condition of enrollment must comply with the 64 provisions of this subsection. Such universities shall: 65 1. Competitively bid any university-sponsored health 66 insurance. 67 2. Establish policies outlining acceptable alternative 68 insurance policies as provided in subsection (5). 69 3. Bill a student’s private or university-sponsored health 70 insurer for services, prescriptions, or other items provided by 71 the university health center for which the student is charged. 72 4. Ensure that the university health center is considered 73 an in-network provider with respect to at least five of the 10 74 largest health insurance companies or managed care plans 75 providing coverage in this state. 76 5. Ensure that the university-sponsored insurance and 77 acceptable alternative insurance policies as provided in 78 subsection (5) are considered to be creditable coverage as 79 defined in s. 627.6561(5)(a). 80 6. In order to prevent double billing, accept the student 81 health fee as a prepaid copayment, deductible, or payment for 82 noncovered services, subject to provisions in any managed care 83 agreement that expressly prohibits such prepayment. 84 (b) Notwithstanding this subsection, a student is 85 responsible for resolving any outstanding balances owed to the 86 university health center, subject to the health insurer or 87 managed care agreement between the university and the health 88 insurance company or managed care plan. 89 (5) ACCEPTABLE ALTERNATIVE INSURANCE.—A domestic student’s 90 health insurance policy is considered to be acceptable for 91 purposes of this section if: 92 (a) The policy meets the definition of creditable coverage 93 as provided in s. 627.6561(5)(a). 94 (b) The policy provides, at a minimum, coverage from the 95 beginning of a semester, 24 hours a day, until the beginning of 96 the next semester. 97 (c) The university health center is included in the network 98 of providers covered by the policy or there are network 99 providers covered by the policy in reasonable geographic 100 proximity to the state university campus at which the student is 101 enrolled. 102 (6) PROOF OF COVERAGE.—Proof of health insurance coverage 103 must be provided in the manner and by the date prescribed by the 104 state university, or the university may require the student to 105 purchase the university-sponsored health insurance pursuant to 106 subsection (4) or acceptable alternative insurance pursuant to 107 subsection (5). 108 (7) UNIVERSITY-SPONSORED INSURANCE PROVIDERS.—To be 109 eligible to be considered a university-sponsored insurance 110 provider for student health care services, the insurance company 111 or managed care plan must: 112 (a) Fulfill the requirements to serve as an insurance 113 carrier, including serving as an entity that provides health 114 benefit plans in this state, an authorized insurer, a health 115 maintenance organization, or any other person providing a health 116 benefit plan that is subject to insurance regulation in this 117 state. 118 (b) Comply with a 75 percent loss ratio, so that at least 119 75 percent of the premiums paid by students for any insurance 120 purchased through the university must be spent toward medical 121 services. 122 (8) REPORTING REQUIREMENTS.—Each university shall annually 123 report all revenue generated through private, university 124 sponsored, and acceptable alternative student health insurance 125 billing; expenses associated with insurance billing from the 126 previous fiscal year; and information on health insurance and 127 managed care plans offered by the university as university 128 sponsored student health insurance, including the loss ratios of 129 each plan. 130 (9) REVIEW AND REPORT.—The Board of Governors of the State 131 University System shall review student access to health care 132 services as implemented according to this section, including the 133 scope and use of services of uninsured students, the means to 134 improve access to health care for students, the use of revenues 135 from billing health insurance carriers, the success of 136 university health centers in becoming in-network providers with 137 respect to major insurance carriers in the state, and proposals 138 to improve the benefits and efficiency of student access to 139 health care services. The board shall provide a report of the 140 findings from such review to the President of the Senate and the 141 Speaker of the House of Representatives on or before January 31, 142 2013. 143 Section 2. This act shall take effect July 1, 2009.