Department of Insurance, internal Code of Alabama 1975 citations corrected

Insurance, internal citations to the Code of Alabama corrected

Pharmacy Benefits Managers; Providing more regulation

Relating to design professionals; to add Section 41-9A-3.1 to the Code of Alabama 1975, to require an agreement with a design professional who does not have professional liability insurance coverage to disclose that fact in writing to the client, who shall sign and notarize the disclosure.

Relating to health insurance; to allow health insurers to communicate with enrollees regarding their health insurance plan or policy by electronic means.

Relating to the Mandatory Liability Insurance Act; to amend Sections 32-7A-5 and 32-7A-16, Code of Alabama 1975, to further provide for the exceptions to the act for inoperable or stored motor vehicles; to prohibit the continued operation of a motor vehicle in violation of the registration and insurance requirements.

Prohibit "balance billing" by ground ambulances

Relating to the Alabama Department of Insurance; to amend Sections 27-7-5, 27-7-14.1, 27-9A-6, 27-9A-8, 27-9A-9, 27-9A-11, 27-25-4.1, and 27-25-4.3, Code of Alabama 1975, to delete the requirement for insurance producers, independent adjusters, apprentice independent adjusters, and title insurance agents to complete a prelicensing course of study approved by the Commissioner of Insurance prior to licensure by the department; and to eliminate the issuance of new service representative licenses prospectively and to authorize a current licensee to renew his or her license.

Relating to insurance; to define lender-placed insurance on real property and provide a framework for regulating lender-placed insurance; to require separation between lenders and insurers and define unfair competitive practices in the sale, placement, solicitation, and negotiation of lender-placed insurance; to further provide for the term of the lender-placed insurance on real property and for the calculation of coverage and payment of premium; to provide for prohibited practices in the issuance of lender-placed insurance on real property; to require certain details of the insurance to be set forth in the policy or certificate of insurance; to require for the filing and approval by the Department of Insurance of the forms and rates to be charged for the insurance; to provide for the enforcement of the act and penalties for violations of the act; and to provide for judicial review of orders of the Commissioner of Insurance.

Relating to fire alarm systems; to amend Section 34-33A-10, Code of Alabama 1975, to require the plans for a fire alarm system submitted to and approved by a municipality, a county, or the state, to bear the seal of a professional engineer licensed in this state.

Property insurance, policy cancellation, nonrenewal, reduction of coverage, insurers required to provide prior written notice, circumstances under which policy cancellation, nonrenewal or coverage restriction by insurer deemed ineffective.

Dental insurance; allow available unused benefits to roll over year-to-year

Dental insurance; set medical loss ratio for insurers

Health insurers; to set a minimum reimbursement rate for ambulance services that are out-of-network.

Biological and neural data; certain disclosures, transfers, and use by a covered entity prohibited unless consumer provides express consent, Attorney General authorized to enforce, civil penalties provided