Florida Senate - 2013 COMMITTEE AMENDMENT Bill No. SB 422 Barcode 122406 LEGISLATIVE ACTION Senate . House Comm: RS . 03/21/2013 . . . . ————————————————————————————————————————————————————————————————— ————————————————————————————————————————————————————————————————— The Committee on Appropriations (Benacquisto) recommended the following: 1 Senate Amendment (with title amendment) 2 3 Between lines 109 and 110 4 insert: 5 Section 4. Subsection (2) of section 627.6515, Florida 6 Statutes, is amended to read: 7 627.6515 Out-of-state groups.— 8 (2) Except as otherwise provided in this part, this part 9 does not apply to a group health insurance policy issued or 10 delivered outside this state under which a resident of this 11 state is provided coverage if: 12 (a) The policy is issued to an employee group the 13 composition of which is substantially as described in s. 14 627.653; a labor union group or association group the 15 composition of which is substantially as described in s. 16 627.654; an additional group the composition of which is 17 substantially as described in s. 627.656; a group insured under 18 a blanket health policy when the composition of the group is 19 substantially in compliance with s. 627.659; a group insured 20 under a franchise health policy when the composition of the 21 group is substantially in compliance with s. 627.663; an 22 association group to cover persons associated in any other 23 common group, which common group is formed primarily for 24 purposes other than providing insurance; a group that is 25 established primarily for the purpose of providing group 26 insurance, provided the benefits are reasonable in relation to 27 the premiums charged thereunder and the issuance of the group 28 policy has resulted, or will result, in economies of 29 administration; or a group of insurance agents of an insurer, 30 which insurer is the policyholder; 31 (b) Certificates evidencing coverage under the policy are 32 issued to residents of this state and contain in contrasting 33 color and not less than 10-point type the following statement: 34 “The benefits of the policy providing your coverage are governed 35 primarily by the law of a state other than Florida”; and 36 (c) The policy provides the benefits specified in ss. 37 627.419, 627.42391, 627.6574, 627.6575, 627.6579, 627.6612, 38 627.66121, 627.66122, 627.6613, 627.667, 627.6675, 627.6691, and 39 627.66911, and complies with the requirements of s. 627.66996. 40 (d) Applications for certificates of coverage offered to 41 residents of this state must contain, in contrasting color and 42 not less than 12-point type, the following statement on the same 43 page as the applicant’s signature: 44 45 “This policy is primarily governed by the laws of 46 ...insert state where the master policy if filed.... 47 As a result, all of the rating laws applicable to 48 policies filed in this state do not apply to this 49 coverage, which may result in increases in your 50 premium at renewal that would not be permissible under 51 a Florida-approved policy. Any purchase of individual 52 health insurance should be considered carefully, as 53 future medical conditions may make it impossible to 54 qualify for another individual health policy. For 55 information concerning individual health coverage 56 under a Florida-approved policy, consult your agent or 57 the Florida Department of Financial Services.” 58 59 This paragraph applies only to group certificates providing 60 health insurance coverage which require individualized 61 underwriting to determine coverage eligibility for an individual 62 or premium rates to be charged to an individual except for the 63 following: 64 1. Policies issued to provide coverage to groups of persons 65 all of whom are in the same or functionally related licensed 66 professions, and providing coverage only to such licensed 67 professionals, their employees, or their dependents; 68 2. Policies providing coverage to small employers as 69 defined by s. 627.6699. Such policies shall be subject to, and 70 governed by, the provisions of s. 627.6699; 71 3. Policies issued to a bona fide association, as defined 72 by s. 627.6571(5), ifprovidedthat there is a person or board 73 acting as a fiduciary for the benefit of the members, and such 74 association is not owned, controlled by, or otherwise associated 75 with the insurance company; or 76 4. Any accidental death, accidental death and 77 dismemberment, accident-only, vision-only, dental-only, hospital 78 indemnity-only, hospital accident-only, cancer, specified 79 disease, Medicare supplement, products that supplement Medicare, 80 long-term care, or disability income insurance, or similar 81 supplemental plans provided under a separate policy, 82 certificate, or contract of insurance, which cannot duplicate 83 coverage under an underlying health plan, coinsurance, or 84 deductibles or coverage issued as a supplement to workers’ 85 compensation or similar insurance, or automobile medical-payment 86 insurance. 87 88 ================= T I T L E A M E N D M E N T ================ 89 And the title is amended as follows: 90 Delete line 14 91 and insert: 92 compliance with this act; amending s. 627.6515, F.S.; 93 adding a cross-reference to conform to changes made by 94 the act; providing a directive to the