Florida Senate - 2013 COMMITTEE AMENDMENT Bill No. SB 422 Barcode 597066 LEGISLATIVE ACTION Senate . House Comm: RCS . 03/21/2013 . . . . ————————————————————————————————————————————————————————————————— ————————————————————————————————————————————————————————————————— The Committee on Appropriations (Benacquisto) recommended the following: 1 Senate Substitute for Amendment (122406) (with title 2 amendment) 3 4 Between lines 109 and 110 5 insert: 6 Section 4. Subsection (2) of section 627.6515, Florida 7 Statutes, is amended to read: 8 627.6515 Out-of-state groups.— 9 (2) Except as otherwise provided in this part, this part 10 does not apply to a group health insurance policy issued or 11 delivered outside this state under which a resident of this 12 state is provided coverage if: 13 (a) The policy is issued to an employee group the 14 composition of which is substantially as described in s. 15 627.653; a labor union group or association group the 16 composition of which is substantially as described in s. 17 627.654; an additional group the composition of which is 18 substantially as described in s. 627.656; a group insured under 19 a blanket health policy when the composition of the group is 20 substantially in compliance with s. 627.659; a group insured 21 under a franchise health policy when the composition of the 22 group is substantially in compliance with s. 627.663; an 23 association group to cover persons associated in any other 24 common group, which common group is formed primarily for 25 purposes other than providing insurance; a group that is 26 established primarily for the purpose of providing group 27 insurance, provided the benefits are reasonable in relation to 28 the premiums charged thereunder and the issuance of the group 29 policy has resulted, or will result, in economies of 30 administration; or a group of insurance agents of an insurer, 31 which insurer is the policyholder; 32 (b) Certificates evidencing coverage under the policy are 33 issued to residents of this state and contain in contrasting 34 color and not less than 10-point type the following statement: 35 “The benefits of the policy providing your coverage are governed 36 primarily by the law of a state other than Florida”; and 37 (c) The policy provides the benefits specified in ss. 38 627.419, 627.42391, 627.6574, 627.6575, 627.6579, 627.6612, 39 627.66121, 627.66122, 627.6613, 627.667, 627.6675, 627.6691, and 40 627.66911, and complies with the requirements of s. 627.66996. 41 (d) Applications for certificates of coverage offered to 42 residents of this state must contain, in contrasting color and 43 not less than 12-point type, the following statement on the same 44 page as the applicant’s signature: 45 46 “This policy is primarily governed by the laws of 47 ...insert state where the master policy if filed.... 48 As a result, all of the rating laws applicable to 49 policies filed in this state do not apply to this 50 coverage, which may result in increases in your 51 premium at renewal that would not be permissible under 52 a Florida-approved policy. Any purchase of individual 53 health insurance should be considered carefully, as 54 future medical conditions may make it impossible to 55 qualify for another individual health policy. For 56 information concerning individual health coverage 57 under a Florida-approved policy, consult your agent or 58 the Florida Department of Financial Services.” 59 60 This paragraph applies only to group certificates providing 61 health insurance coverage which require individualized 62 underwriting to determine coverage eligibility for an individual 63 or premium rates to be charged to an individual except for the 64 following: 65 1. Policies issued to provide coverage to groups of persons 66 all of whom are in the same or functionally related licensed 67 professions, and providing coverage only to such licensed 68 professionals, their employees, or their dependents; 69 2. Policies providing coverage to small employers as 70 defined by s. 627.6699. Such policies shall be subject to, and 71 governed by, the provisions of s. 627.6699; 72 3. Policies issued to a bona fide association, as defined 73 by s. 627.6571(5), provided that there is a person or board 74 acting as a fiduciary for the benefit of the members, and such 75 association is not owned, controlled by, or otherwise associated 76 with the insurance company; or 77 4. Any accidental death, accidental death and 78 dismemberment, accident-only, vision-only, dental-only, hospital 79 indemnity-only, hospital accident-only, cancer, specified 80 disease, Medicare supplement, products that supplement Medicare, 81 long-term care, or disability income insurance, or similar 82 supplemental plans provided under a separate policy, 83 certificate, or contract of insurance, which cannot duplicate 84 coverage under an underlying health plan, coinsurance, or 85 deductibles or coverage issued as a supplement to workers’ 86 compensation or similar insurance, or automobile medical-payment 87 insurance. 88 89 ================= T I T L E A M E N D M E N T ================ 90 And the title is amended as follows: 91 Delete line 14 92 and insert: 93 compliance with this act; amending s. 627.6515, F.S.; 94 adding a cross-reference to conform to changes made by 95 the act; providing a directive to the