Connecticut 2023 Regular Session

Connecticut Senate Bill SB01039 Compare Versions

Version 1 (Old)

Version 2 (New)

Old	New		Differences
	1	+
	2	+
	3	+	LCO \\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-R01-
	4	+	SB.docx
	5	+	1 of 18
	6	+
	7	+	General Assembly Substitute Bill No. 1039
	8	+	January Session, 2023
1	9
2	10
3	11
4		-	Substitute Senate Bill No. 1039
5		-
6		-	Public Act No. 23-127
7	12
8	13
9	14		AN ACT CONCERNING THE INSURANCE DEPARTMENT'S
10		-	RECOMMENDATIONS REGARDING FINANCIAL REGULATION,
11		-	~~LIFE~~ INSURANCE AND INSURANCE LICENSING REQUIREMENTS
12		-	~~AND~~ TECHNICAL CORRECTIONS ~~AND REVISIONS~~ TO THE LIFE
13		-	~~AND HEALTH INSURANCE~~ STATUTES.
	15	+	RECOMMENDATIONS REGARDING FINANCIAL REGULATION, LIFE
	16	+	INSURANCE AND INSURANCE LICENSING REQUIREMENTS AND
	17	+	TECHNICAL CORRECTIONS TO THE LIFE AND HEALTH INSURANCE
	18	+	STATUTES.
14	19		Be it enacted by the Senate and House of Representatives in General
15	20		Assembly convened:
16	21
17		-	Section 1. Section 38a-11 of the general statutes is repealed and the
18		-	following is substituted in lieu thereof (Effective October 1, 2023):
19		-	(a) The commissioner shall demand and receive the following fees:
20		-	(1) For the annual fee for each license issued to a domestic insurance
21		-	company, two hundred dollars; (2) for receiving and filing annual
22		-	reports of domestic insurance companies, fifty dollars; (3) for filing all
23		-	documents prerequisite to the issuance of a license to an insurance
24		-	company, two hundred twenty dollars, except that the fee for such
25		-	filings by any health care center, as defined in section 38a-175, shall be
26		-	one thousand three hundred fifty dollars; (4) for filing any additional
27		-	paper required by law, thirty dollars; (5) for each certificate of valuation,
28		-	organization, reciprocity or compliance, forty dollars; (6) for each
29		-	certified copy of a license to a company, forty dollars; (7) for each
30		-	certified copy of a report or certificate of condition of a company to be
31		-	filed in any other state, forty dollars; (8) for amending a certificate of
32		-	authority, two hundred dollars; (9) for each license issued to a rating Substitute ~~Senate~~ Bill No. 1039
	22	+	Section 1. Section 38a-11 of the general statutes is repealed and the 1
	23	+	following is substituted in lieu thereof (Effective October 1, 2023): 2
	24	+	(a) The commissioner shall demand and receive the following fees: 3
	25	+	(1) For the annual fee for each license issued to a domestic insurance 4
	26	+	company, two hundred dollars; (2) for receiving and filing annual 5
	27	+	reports of domestic insurance companies, fifty dollars; (3) for filing all 6
	28	+	documents prerequisite to the issuance of a license to an insurance 7
	29	+	company, two hundred twenty dollars, except that the fee for such 8
	30	+	filings by any health care center, as defined in section 38a-175, shall be 9
	31	+	one thousand three hundred fifty dollars; (4) for filing any additional 10
	32	+	paper required by law, thirty dollars; (5) for each certificate of valuation, 11
	33	+	organization, reciprocity or compliance, forty dollars; (6) for each 12
	34	+	certified copy of a license to a company, forty dollars; (7) for each 13
	35	+	certified copy of a report or certificate of condition of a company to be 14
	36	+	filed in any other state, forty dollars; (8) for amending a certificate of 15
	37	+	authority, two hundred dollars; (9) for each license issued to a rating 16 Substitute Bill No. 1039
33	38
34		-	Public Act No. 23-127 2 of 19
35	39
36		-	organization, two hundred dollars. In addition, insurance companies
37		-	shall pay any fees imposed under section 12-211; (10) a filing fee of fifty
38		-	dollars for each initial application for a license made pursuant to section
39		-	38a-769, as amended by this act; (11) with respect to insurance agents'
40		-	appointments: (A) A filing fee of fifty dollars for each request for any
41		-	agent appointment, except that no filing fee shall be payable for a
42		-	request for agent appointment by an insurance company domiciled in a
43		-	state or foreign country which does not require any filing fee for a
44		-	request for agent appointment for a Connecticut insurance company; (B)
45		-	a fee of one hundred dollars for each appointment issued to an agent of
46		-	a domestic insurance company or for each appointment continued; and
47		-	(C) a fee of eighty dollars for each appointment issued to an agent of any
48		-	other insurance company or for each appointment continued, except
49		-	that (i) no fee shall be payable for an appointment issued to an agent of
50		-	an insurance company domiciled in a state or foreign country which
51		-	does not require any fee for an appointment issued to an agent of a
52		-	Connecticut insurance company, and (ii) the fee shall be twenty dollars
53		-	for each appointment issued or continued to an agent of an insurance
54		-	company domiciled in a state or foreign country with a premium tax
55		-	rate below Connecticut's premium tax rate; (12) with respect to
56		-	insurance producers: (A) An examination fee of fifteen dollars for each
57		-	examination taken, except when a testing service is used, the testing
58		-	service shall pay a fee of fifteen dollars to the commissioner for each
59		-	examination taken by an applicant; (B) a fee of eighty dollars for each
60		-	license issued; (C) a fee of eighty dollars per year, or any portion thereof,
61		-	for each license renewed; and (D) a fee of eighty dollars for any license
62		-	renewed under the transitional process established in section 38a-784;
63		-	(13) with respect to public adjusters: (A) An examination fee of fifteen
64		-	dollars for each examination taken, except when a testing service is
65		-	used, the testing service shall pay a fee of fifteen dollars to the
66		-	commissioner for each examination taken by an applicant; and (B) a fee
67		-	of two hundred fifty dollars for each license issued or renewed; (14) with
68		-	respect to casualty claims adjusters: (A) An examination fee of twenty Substitute Senate Bill No. 1039
	40	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	41	+	R01-SB.docx }
	42	+	2 of 18
69	43
70		-	Public Act No. 23-127 3 of 19
	44	+	organization, two hundred dollars. In addition, insurance companies 17
	45	+	shall pay any fees imposed under section 12-211; (10) a filing fee of fifty 18
	46	+	dollars for each initial application for a license made pursuant to section 19
	47	+	38a-769, as amended by this act; (11) with respect to insurance agents' 20
	48	+	appointments: (A) A filing fee of fifty dollars for each request for any 21
	49	+	agent appointment, except that no filing fee shall be payable for a 22
	50	+	request for agent appointment by an insurance company domiciled in a 23
	51	+	state or foreign country which does not require any filing fee for a 24
	52	+	request for agent appointment for a Connecticut insurance company; (B) 25
	53	+	a fee of one hundred dollars for each appointment issued to an agent of 26
	54	+	a domestic insurance company or for each appointment continued; and 27
	55	+	(C) a fee of eighty dollars for each appointment issued to an agent of any 28
	56	+	other insurance company or for each appointment continued, except 29
	57	+	that (i) no fee shall be payable for an appointment issued to an agent of 30
	58	+	an insurance company domiciled in a state or foreign country which 31
	59	+	does not require any fee for an appointment issued to an agent of a 32
	60	+	Connecticut insurance company, and (ii) the fee shall be twenty dollars 33
	61	+	for each appointment issued or continued to an agent of an insurance 34
	62	+	company domiciled in a state or foreign country with a premium tax 35
	63	+	rate below Connecticut's premium tax rate; (12) with respect to 36
	64	+	insurance producers: (A) An examination fee of fifteen dollars for each 37
	65	+	examination taken, except when a testing service is used, the testing 38
	66	+	service shall pay a fee of fifteen dollars to the commissioner for each 39
	67	+	examination taken by an applicant; (B) a fee of eighty dollars for each 40
	68	+	license issued; (C) a fee of eighty dollars per year, or any portion thereof, 41
	69	+	for each license renewed; and (D) a fee of eighty dollars for any license 42
	70	+	renewed under the transitional process established in section 38a-784; 43
	71	+	(13) with respect to public adjusters: (A) An examination fee of fifteen 44
	72	+	dollars for each examination taken, except when a testing service is 45
	73	+	used, the testing service shall pay a fee of fifteen dollars to the 46
	74	+	commissioner for each examination taken by an applicant; and (B) a fee 47
	75	+	of two hundred fifty dollars for each license issued or renewed; (14) with 48
	76	+	respect to casualty claims adjusters: (A) An examination fee of twenty 49
	77	+	dollars for each examination taken, except when a testing service is 50
	78	+	used, the testing service shall pay a fee of twenty dollars to the 51 Substitute Bill No. 1039
71	79
72		-	dollars for each examination taken, except when a testing service is
73		-	used, the testing service shall pay a fee of twenty dollars to the
74		-	commissioner for each examination taken by an applicant; (B) a fee of
75		-	eighty dollars for each license issued or renewed; and (C) the expense of
76		-	any examination administered outside the state shall be the
77		-	responsibility of the entity making the request and such entity shall pay
78		-	to the commissioner two hundred dollars for such examination and the
79		-	actual traveling expenses of the examination administrator to
80		-	administer such examination; (15) with respect to motor vehicle
81		-	physical damage appraisers: (A) An examination fee of eighty dollars
82		-	for each examination taken, except when a testing service is used, the
83		-	testing service shall pay a fee of eighty dollars to the commissioner for
84		-	each examination taken by an applicant; (B) a fee of eighty dollars for
85		-	each license issued or renewed; and (C) the expense of any examination
86		-	administered outside the state shall be the responsibility of the entity
87		-	making the request and such entity shall pay to the commissioner two
88		-	hundred dollars for such examination and the actual traveling expenses
89		-	of the examination administrator to administer such examination; (16)
90		-	with respect to certified insurance consultants: (A) An examination fee
91		-	of twenty-six dollars for each examination taken, except when a testing
92		-	service is used, the testing service shall pay a fee of twenty-six dollars to
93		-	the commissioner for each examination taken by an applicant; (B) a fee
94		-	of two hundred fifty dollars for each license issued; and (C) a fee of two
95		-	hundred fifty dollars for each license renewed; (17) with respect to
96		-	surplus lines brokers: (A) An examination fee of twenty dollars for each
97		-	examination taken, except when a testing service is used, the testing
98		-	service shall pay a fee of twenty dollars to the commissioner for each
99		-	examination taken by an applicant; and (B) a fee of six hundred twenty-
100		-	five dollars for each license issued or renewed; (18) with respect to
101		-	fraternal agents, a fee of eighty dollars for each license issued or
102		-	renewed; (19) a fee of twenty-six dollars for each license certificate
103		-	requested, whether or not a license has been issued; (20) with respect to
104		-	domestic and foreign benefit societies shall pay: (A) For service of Substitute Senate Bill No. 1039
105	80
106		-	Public Act No. 23-127 4 of 19
	81	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	82	+	R01-SB.docx }
	83	+	3 of 18
107	84
108		-	process, fifty dollars for each person or insurer to be served; (B) for filing
109		-	a certified copy of its charter or articles of association, fifteen dollars; (C)
110		-	for filing an annual statement or report, twenty dollars; and (D) for filing
111		-	any additional paper required by law, fifteen dollars; (21) with respect
112		-	to foreign benefit societies: (A) For each certificate of organization or
113		-	compliance, fifteen dollars; (B) for each certified copy of permit, fifteen
114		-	dollars; and (C) for each copy of a report or certificate of condition of a
115		-	society to be filed in any other state, fifteen dollars; (22) with respect to
116		-	reinsurance intermediaries, a fee of six hundred twenty-five dollars for
117		-	each license issued or renewed; (23) with respect to life settlement
118		-	providers: (A) A filing fee of twenty-six dollars for each initial
119		-	application for a license made pursuant to section 38a-465a; and (B) a
120		-	fee of forty dollars for each license issued or renewed; (24) with respect
121		-	to life settlement brokers: (A) A filing fee of twenty-six dollars for each
122		-	initial application for a license made pursuant to section 38a-465a; and
123		-	(B) a fee of forty dollars for each license issued or renewed; (25) with
124		-	respect to preferred provider networks, a fee of two thousand seven
125		-	hundred fifty dollars for each license issued or renewed; (26) with
126		-	respect to rental companies, as defined in section 38a-799, a fee of eighty
127		-	dollars for each permit issued or renewed; (27) with respect to medical
128		-	discount plan organizations licensed under section 38a-479rr, a fee of six
129		-	hundred twenty-five dollars for each license issued or renewed; (28)
130		-	with respect to pharmacy benefits managers, an application fee of one
131		-	hundred dollars for each registration issued or renewed; (29) with
132		-	respect to captive insurance companies, as defined in section 38a-91aa,
133		-	a fee of three hundred seventy-five dollars for each license issued or
134		-	renewed; (30) with respect to each duplicate license issued a fee of fifty
135		-	dollars for each license issued; (31) with respect to surety bail bond
136		-	agents, as defined in section 38a-660, (A) a filing fee of one hundred fifty
137		-	dollars for each initial application for a license, and (B) a fee of one
138		-	hundred dollars for each license issued or renewed; (32) with respect to
139		-	third-party administrators, as defined in section 38a-720, (A) a fee of five
140		-	hundred dollars for each license issued, and (B) a fee of four hundred Substitute Senate Bill No. 1039
	85	+	commissioner for each examination taken by an applicant; (B) a fee of 52
	86	+	eighty dollars for each license issued or renewed; and (C) the expense of 53
	87	+	any examination administered outside the state shall be the 54
	88	+	responsibility of the entity making the request and such entity shall pay 55
	89	+	to the commissioner two hundred dollars for such examination and the 56
	90	+	actual traveling expenses of the examination administrator to 57
	91	+	administer such examination; (15) with respect to motor vehicle 58
	92	+	physical damage appraisers: (A) An examination fee of eighty dollars 59
	93	+	for each examination taken, except when a testing service is used, the 60
	94	+	testing service shall pay a fee of eighty dollars to the commissioner for 61
	95	+	each examination taken by an applicant; (B) a fee of eighty dollars for 62
	96	+	each license issued or renewed; and (C) the expense of any examination 63
	97	+	administered outside the state shall be the responsibility of the entity 64
	98	+	making the request and such entity shall pay to the commissioner two 65
	99	+	hundred dollars for such examination and the actual traveling expenses 66
	100	+	of the examination administrator to administer such examination; (16) 67
	101	+	with respect to certified insurance consultants: (A) An examination fee 68
	102	+	of twenty-six dollars for each examination taken, except when a testing 69
	103	+	service is used, the testing service shall pay a fee of twenty-six dollars to 70
	104	+	the commissioner for each examination taken by an applicant; (B) a fee 71
	105	+	of two hundred fifty dollars for each license issued; and (C) a fee of two 72
	106	+	hundred fifty dollars for each license renewed; (17) with respect to 73
	107	+	surplus lines brokers: (A) An examination fee of twenty dollars for each 74
	108	+	examination taken, except when a testing service is used, the testing 75
	109	+	service shall pay a fee of twenty dollars to the commissioner for each 76
	110	+	examination taken by an applicant; and (B) a fee of six hundred twenty-77
	111	+	five dollars for each license issued or renewed; (18) with respect to 78
	112	+	fraternal agents, a fee of eighty dollars for each license issued or 79
	113	+	renewed; (19) a fee of twenty-six dollars for each license certificate 80
	114	+	requested, whether or not a license has been issued; (20) with respect to 81
	115	+	domestic and foreign benefit societies shall pay: (A) For service of 82
	116	+	process, fifty dollars for each person or insurer to be served; (B) for filing 83
	117	+	a certified copy of its charter or articles of association, fifteen dollars; (C) 84
	118	+	for filing an annual statement or report, twenty dollars; and (D) for filing 85
	119	+	any additional paper required by law, fifteen dollars; (21) with respect 86 Substitute Bill No. 1039
141	120
142		-	Public Act No. 23-127 5 of 19
143	121
144		-	fifty dollars for each license renewed; (33) with respect to portable
145		-	electronics insurance licenses under section 38a-397, (A) a filing fee of
146		-	one hundred dollars for each initial application for a license, (B) a fee of
147		-	five hundred dollars for each license issued, and (C) a fee of four
148		-	hundred fifty dollars for each license renewed; [and] (34) with respect
149		-	to limited lines travel insurance producer licenses under section 38a-398,
150		-	(A) a filing fee of one hundred dollars for each initial application for a
151		-	license, (B) a fee of six hundred fifty dollars for each license issued, and
152		-	(C) a fee of six hundred fifty dollars for each license renewed; (35) with
153		-	respect to certified reinsurers, as certified by the commissioner pursuant
154		-	to regulations adopted pursuant to section 38a-85, a fee of two thousand
155		-	dollars for each certificate issued and renewed; and (36) with respect to
156		-	reciprocal jurisdiction reinsurers, as defined in regulations adopted
157		-	pursuant to section 38a-85, a fee of two thousand dollars for each
158		-	certificate issued and renewed.
159		-	(b) If any state imposes fees upon domestic fraternal benefit societies
160		-	greater than are fixed by this section or sections 38a-595 to 38a-626,
161		-	inclusive, 38a-631 to 38a-640, inclusive, or 38a-800, the commissioner
162		-	shall collect from each fraternal benefit society incorporated by or
163		-	organized under the laws of such other state and admitted to transact
164		-	business in this state, the same fees as are imposed upon similar
165		-	domestic societies and organizations by such other state. The expense of
166		-	any examination or inquiry made outside the state shall be borne by the
167		-	society so examined.
168		-	(c) Each unauthorized insurer declared to be an eligible surplus lines
169		-	insurer shall pay to the Insurance Commissioner, on or before May first
170		-	of each year, an annual fee of one hundred twenty-six dollars in order
171		-	to remain on the list of eligible surplus lines insurers.
172		-	(d) For service of process on the commissioner, the commissioner
173		-	shall demand and receive a fee of fifty dollars for each person or insurer
174		-	to be served. The commissioner shall also collect, for each hospital or Substitute Senate Bill No. 1039
	122	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	123	+	R01-SB.docx }
	124	+	4 of 18
175	125
176		-	Public Act No. 23-127 6 of 19
	126	+	to foreign benefit societies: (A) For each certificate of organization or 87
	127	+	compliance, fifteen dollars; (B) for each certified copy of permit, fifteen 88
	128	+	dollars; and (C) for each copy of a report or certificate of condition of a 89
	129	+	society to be filed in any other state, fifteen dollars; (22) with respect to 90
	130	+	reinsurance intermediaries, a fee of six hundred twenty-five dollars for 91
	131	+	each license issued or renewed; (23) with respect to life settlement 92
	132	+	providers: (A) A filing fee of twenty-six dollars for each initial 93
	133	+	application for a license made pursuant to section 38a-465a; and (B) a 94
	134	+	fee of forty dollars for each license issued or renewed; (24) with respect 95
	135	+	to life settlement brokers: (A) A filing fee of twenty-six dollars for each 96
	136	+	initial application for a license made pursuant to section 38a-465a; and 97
	137	+	(B) a fee of forty dollars for each license issued or renewed; (25) with 98
	138	+	respect to preferred provider networks, a fee of two thousand seven 99
	139	+	hundred fifty dollars for each license issued or renewed; (26) with 100
	140	+	respect to rental companies, as defined in section 38a-799, a fee of eighty 101
	141	+	dollars for each permit issued or renewed; (27) with respect to medical 102
	142	+	discount plan organizations licensed under section 38a-479rr, a fee of six 103
	143	+	hundred twenty-five dollars for each license issued or renewed; (28) 104
	144	+	with respect to pharmacy benefits managers, an application fee of one 105
	145	+	hundred dollars for each registration issued or renewed; (29) with 106
	146	+	respect to captive insurance companies, as defined in section 38a-91aa, 107
	147	+	a fee of three hundred seventy-five dollars for each license issued or 108
	148	+	renewed; (30) with respect to each duplicate license issued a fee of fifty 109
	149	+	dollars for each license issued; (31) with respect to surety bail bond 110
	150	+	agents, as defined in section 38a-660, (A) a filing fee of one hundred fifty 111
	151	+	dollars for each initial application for a license, and (B) a fee of one 112
	152	+	hundred dollars for each license issued or renewed; (32) with respect to 113
	153	+	third-party administrators, as defined in section 38a-720, (A) a fee of five 114
	154	+	hundred dollars for each license issued, and (B) a fee of four hundred 115
	155	+	fifty dollars for each license renewed; (33) with respect to portable 116
	156	+	electronics insurance licenses under section 38a-397, (A) a filing fee of 117
	157	+	one hundred dollars for each initial application for a license, (B) a fee of 118
	158	+	five hundred dollars for each license issued, and (C) a fee of four 119
	159	+	hundred fifty dollars for each license renewed; [and] (34) with respect 120
	160	+	to limited lines travel insurance producer licenses under section 38a-398, 121 Substitute Bill No. 1039
177	161
178		-	ambulance lien filed, fifty dollars, and for each small claims notice filed,
179		-	fifteen dollars, each of which shall be paid by the plaintiff at the time of
180		-	service, the same to be recovered by him as part of the taxable costs if he
181		-	prevails in the suit.
182		-	(e) Each insurance company depositing any security with the
183		-	Treasurer pursuant to section 38a-83 shall pay to the commissioner three
184		-	hundred fifteen dollars, annually. In case of an examination or appraisal
185		-	made outside the office of the Treasurer, and in such case the company
186		-	in whose behalf such examination or appraisal has been made shall pay
187		-	to the commissioner two hundred dollars for such examination and the
188		-	actual traveling expenses of the officer making such examination or
189		-	appraisal.
190		-	(f) Notwithstanding any provision of the general statutes, the
191		-	commissioner may require that any person required by any provision
192		-	of this title to pay a fee to the commissioner pay such fee to the
193		-	commissioner by electronic means. Such person may submit a request
194		-	to the commissioner for an exception to the electronic fee requirement.
195		-	The commissioner shall grant such request for an exception, provided
196		-	the commissioner determines that (1) compliance with the electronic fee
197		-	requirement is impractical or reasonably causes such person to suffer
198		-	undue hardship, or (2) good cause exists to grant such requested
199		-	exception.
200		-	Sec. 2. Section 38a-769 of the general statutes is repealed and the
201		-	following is substituted in lieu thereof (Effective October 1, 2023):
202		-	(a) Any person, partnership, association or corporation that is
203		-	resident in this state, [or has its principal place of business in this state,]
204		-	or a nonresident of this state who is not licensed in any other state that
205		-	offers the type of license sought in this state and maintains a principal
206		-	place of business in this state, desiring to act within this state as a public
207		-	adjuster, casualty adjuster, motor vehicle physical damage appraiser, Substitute Senate Bill No. 1039
208	162
209		-	Public Act No. 23-127 7 of 19
	163	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	164	+	R01-SB.docx }
	165	+	5 of 18
210	166
211		-	certified insurance consultant, surplus lines broker or desiring to engage
212		-	in any insurance-related occupation for which a license is deemed
213		-	necessary by the commissioner, other than an occupation as an
214		-	insurance producer, shall make a written application to the
215		-	commissioner for a resident license. Any other person, partnership,
216		-	association or corporation desiring to so act or to engage in any
217		-	insurance-related occupation for which a license is deemed necessary
218		-	by the commissioner, other than an occupation as an insurance
219		-	producer, shall make a written application to the commissioner for a
220		-	nonresident license. [No]
221		-	(b) Except as provided in subsection (c) of this section, no application
222		-	for a nonresident license shall be granted unless the applicant holds an
223		-	equivalent license from any other state. Any application for a resident
224		-	or nonresident license shall be made for each name or designation under
225		-	which such business shall be conducted, in such form as the
226		-	commissioner prescribes, stating the line or lines of insurance for which
227		-	the applicant desires such license and any other business which the
228		-	applicant desires also to transact. All initial applications shall be
229		-	accompanied by a nonrefundable filing fee specified in section 38a-11.
230		-	The commissioner shall cause to be made such inquiry and examination
231		-	as to the qualifications of each such applicant as the commissioner
232		-	deems necessary.
233		-	(c) Any person, partnership, association or corporation residing in a
234		-	state that does not offer the type of license sought by such person,
235		-	partnership, association or corporation in this state may make a written
236		-	application to the commissioner for a nonresident license and designate
237		-	this state as such person's, association's or corporation's home state.
238		-	[(b)] (d) Each application for a license shall be signed by: The
239		-	applicant, if the application is for an individual; a licensed officer, if the
240		-	application is for a corporation; a licensed partner, if the application is
241		-	for a partnership; and a licensed principal, if the application is for any Substitute Senate Bill No. 1039
	167	+	(A) a filing fee of one hundred dollars for each initial application for a 122
	168	+	license, (B) a fee of six hundred fifty dollars for each license issued, and 123
	169	+	(C) a fee of six hundred fifty dollars for each license renewed; (35) with 124
	170	+	respect to certified reinsurers, as certified by the commissioner pursuant 125
	171	+	to section 38a-88-4a of the regulations of Connecticut state agencies, a 126
	172	+	fee of two thousand dollars for each certificate issued and renewed; and 127
	173	+	(36) with respect to reciprocal jurisdiction reinsurers, as defined in 128
	174	+	section 38a-88-4b of the regulations of Connecticut state agencies, a fee 129
	175	+	of two thousand dollars for each certificate issued and renewed. 130
	176	+	(b) If any state imposes fees upon domestic fraternal benefit societies 131
	177	+	greater than are fixed by this section or sections 38a-595 to 38a-626, 132
	178	+	inclusive, 38a-631 to 38a-640, inclusive, or 38a-800, the commissioner 133
	179	+	shall collect from each fraternal benefit society incorporated by or 134
	180	+	organized under the laws of such other state and admitted to transact 135
	181	+	business in this state, the same fees as are imposed upon similar 136
	182	+	domestic societies and organizations by such other state. The expense of 137
	183	+	any examination or inquiry made outside the state shall be borne by the 138
	184	+	society so examined. 139
	185	+	(c) Each unauthorized insurer declared to be an eligible surplus lines 140
	186	+	insurer shall pay to the Insurance Commissioner, on or before May first 141
	187	+	of each year, an annual fee of one hundred twenty-six dollars in order 142
	188	+	to remain on the list of eligible surplus lines insurers. 143
	189	+	(d) For service of process on the commissioner, the commissioner 144
	190	+	shall demand and receive a fee of fifty dollars for each person or insurer 145
	191	+	to be served. The commissioner shall also collect, for each hospital or 146
	192	+	ambulance lien filed, fifty dollars, and for each small claims notice filed, 147
	193	+	fifteen dollars, each of which shall be paid by the plaintiff at the time of 148
	194	+	service, the same to be recovered by him as part of the taxable costs if he 149
	195	+	prevails in the suit. 150
	196	+	(e) Each insurance company depositing any security with the 151
	197	+	Treasurer pursuant to section 38a-83 shall pay to the commissioner three 152
	198	+	hundred fifteen dollars, annually. In case of an examination or appraisal 153 Substitute Bill No. 1039
242	199
243		-	Public Act No. 23-127 8 of 19
244	200
245		-	other applicant.
246		-	[(c)] (e) Each applicant for a license shall furnish satisfactory evidence
247		-	to the commissioner that the applicant is a person of good moral
248		-	character and that the applicant is financially responsible. In order to
249		-	determine the trustworthiness and competency of an applicant the
250		-	commissioner shall subject the applicant to personal written
251		-	examination as to the applicant's competency to act as a licensee for each
252		-	line of insurance for which the applicant desires to be licensed. The
253		-	commissioner may, at the commissioner's discretion, designate an
254		-	independent testing service to prepare and administer such
255		-	examination, provided any examination fees charged by such service
256		-	shall be paid by the applicant. The commissioner shall collect the
257		-	appropriate examination fee as specified in section 38a-11, as amended
258		-	by this act, which shall entitle the applicant to take the examination for
259		-	the license desired, except that when a testing service is used, the testing
260		-	service shall pay such fee to the commissioner for each examination
261		-	taken by an applicant. In either case, each such examination shall be as
262		-	the commissioner prescribes and shall be of sufficient scope to test the
263		-	applicant's knowledge of insurance, the duties and responsibilities of a
264		-	licensee and the laws of this state applicable to insurance. The
265		-	commissioner may require a waiting period not exceeding six months,
266		-	before reexamining any applicant who has failed to pass any such
267		-	examination.
268		-	[(d)] (f) Upon finding that an applicant meets the licensing
269		-	requirements of this title and is in all respects properly qualified and
270		-	trustworthy and that the granting of such license is not against the
271		-	public interest, the commissioner may issue to such applicant the license
272		-	applied for, in such form as the commissioner may adopt, to act within
273		-	this state to the extent therein specified.
274		-	[(e)] (g) The commissioner may adopt regulations, in accordance with
275		-	chapter 54, concerning the approval of schools offering courses in Substitute Senate Bill No. 1039
	201	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	202	+	R01-SB.docx }
	203	+	6 of 18
276	204
277		-	Public Act No. 23-127 9 of 19
	205	+	made outside the office of the Treasurer, and in such case the company 154
	206	+	in whose behalf such examination or appraisal has been made shall pay 155
	207	+	to the commissioner two hundred dollars for such examination and the 156
	208	+	actual traveling expenses of the officer making such examination or 157
	209	+	appraisal. 158
	210	+	(f) Notwithstanding any provision of the general statutes, the 159
	211	+	commissioner may require that any person required by any provision 160
	212	+	of this title to pay a fee to the commissioner pay such fee to the 161
	213	+	commissioner by electronic means. Such person may submit a request 162
	214	+	to the commissioner for an exception to the electronic fee requirement. 163
	215	+	The commissioner shall grant such request for an exception, provided 164
	216	+	the commissioner determines that (1) compliance with the electronic fee 165
	217	+	requirement is impractical or reasonably causes such person to suffer 166
	218	+	undue hardship, or (2) good cause exists to grant such requested 167
	219	+	exception. 168
	220	+	Sec. 2. Section 38a-769 of the general statutes is repealed and the 169
	221	+	following is substituted in lieu thereof (Effective October 1, 2023): 170
	222	+	(a) Any person, partnership, association or corporation that is 171
	223	+	resident in this state, [or has its principal place of business in this state,] 172
	224	+	or a nonresident of this state who is not licensed in any other state that 173
	225	+	offers the type of license sought in this state and maintains a principal 174
	226	+	place of business in this state, desiring to act within this state as a public 175
	227	+	adjuster, casualty adjuster, motor vehicle physical damage appraiser, 176
	228	+	certified insurance consultant, surplus lines broker or desiring to engage 177
	229	+	in any insurance-related occupation for which a license is deemed 178
	230	+	necessary by the commissioner, other than an occupation as an 179
	231	+	insurance producer, shall make a written application to the 180
	232	+	commissioner for a resident license. Any other person, partnership, 181
	233	+	association or corporation desiring to so act or to engage in any 182
	234	+	insurance-related occupation for which a license is deemed necessary 183
	235	+	by the commissioner, other than an occupation as an insurance 184
	236	+	producer, shall make a written application to the commissioner for a 185
	237	+	nonresident license. [No] 186 Substitute Bill No. 1039
278	238
279		-	insurance, the content of such courses and the advertising to the public
280		-	of the services of these schools.
281		-	[(f)] (h) To further the enforcement of this section and to determine
282		-	the eligibility of any licensee, the commissioner may, as often as the
283		-	commissioner deems necessary, examine the books and records of any
284		-	such licensee.
285		-	[(g)] (i) A license may, in the discretion of the commissioner, be
286		-	renewed or continued upon payment of the appropriate fee as specified
287		-	in section 38a-11, as amended by this act, without the resubmittal of the
288		-	detailed information required in the original application.
289		-	(j) The provisions of subsections (b) to (i), inclusive, of this section
290		-	shall be applicable to any licensee or applicant for a license, including,
291		-	but not limited to, such licensee engaged in, or such applicant who seeks
292		-	to become licensed to engage in, the occupation of insurance producer.
293		-	Sec. 3. Section 38a-489 of the general statutes is repealed and the
294		-	following is substituted in lieu thereof (Effective October 1, 2023):
295		-	(a) Each individual health insurance policy providing coverage of the
296		-	type specified in subdivisions (1), (2), (4), [(6),] (10), (11) and (12) of
297		-	section 38a-469, delivered, issued for delivery, renewed, amended or
298		-	continued in this state that provides that coverage of a dependent child
299		-	shall terminate upon attainment of the limiting age for dependent
300		-	children specified in the policy shall also provide in substance that
301		-	attainment of the limiting age shall not operate to terminate the
302		-	coverage of the child if at such date the child is and continues thereafter
303		-	to be both (1) incapable of self-sustaining employment by reason of
304		-	mental or physical handicap, as certified by the child's physician,
305		-	physician assistant or advanced practice registered nurse on a form
306		-	provided by the insurer, hospital service corporation, medical service
307		-	corporation or health care center, and (2) chiefly dependent upon the Substitute Senate Bill No. 1039
308	239
309		-	Public Act No. 23-127 10 of 19
	240	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	241	+	R01-SB.docx }
	242	+	7 of 18
310	243
311		-	policyholder or subscriber for support and maintenance.
312		-	(b) Proof of the incapacity and dependency shall be furnished to the
313		-	insurer, hospital service corporation, medical service corporation or
314		-	health care center by the policyholder or subscriber within thirty-one
315		-	days of the child's attainment of the limiting age. The insurer,
316		-	corporation or health care center may at any time require proof of the
317		-	child's continuing incapacity and dependency. After a period of two
318		-	years has elapsed following the child's attainment of the limiting age the
319		-	insurer, corporation or health care center may require periodic proof of
320		-	the child's continuing incapacity and dependency but in no case more
321		-	frequently than once every year.
322		-	Sec. 4. Subsection (a) of section 38a-490 of the general statutes is
323		-	repealed and the following is substituted in lieu thereof (Effective October
324		-	1, 2023):
325		-	(a) Each individual health insurance policy delivered, issued for
326		-	delivery, renewed, amended or continued in this state providing
327		-	coverage of the type specified in subdivisions (1), (2), (4), [(6),] (10), (11)
328		-	and (12) of section 38a-469 for a family member of the insured or
329		-	subscriber shall, as to such family member's coverage, also provide that
330		-	the health insurance benefits applicable for children shall be payable
331		-	with respect to a newly born child of the insured or subscriber from the
332		-	moment of birth.
333		-	Sec. 5. Subsection (a) of section 38a-497 of the general statutes is
334		-	repealed and the following is substituted in lieu thereof (Effective October
335		-	1, 2023):
336		-	(a) Each individual health insurance policy providing coverage of the
337		-	type specified in subdivisions (1), (2), (4), [(6),] (10), (11) and (12) of
338		-	section 38a-469 delivered, issued for delivery, amended, renewed or
339		-	continued in this state shall provide that coverage of a child, stepchild Substitute Senate Bill No. 1039
	244	+	(b) Except as provided in subsection (c) of this section, no application 187
	245	+	for a nonresident license shall be granted unless the applicant holds an 188
	246	+	equivalent license from any other state. Any application for a resident 189
	247	+	or nonresident license shall be made for each name or designation under 190
	248	+	which such business shall be conducted, in such form as the 191
	249	+	commissioner prescribes, stating the line or lines of insurance for which 192
	250	+	the applicant desires such license and any other business which the 193
	251	+	applicant desires also to transact. All initial applications shall be 194
	252	+	accompanied by a nonrefundable filing fee specified in section 38a-11. 195
	253	+	The commissioner shall cause to be made such inquiry and examination 196
	254	+	as to the qualifications of each such applicant as the commissioner 197
	255	+	deems necessary. 198
	256	+	(c) Any person, partnership, association or corporation residing in a 199
	257	+	state that does not offer the type of license sought by such person, 200
	258	+	partnership, association or corporation in this state may make a written 201
	259	+	application to the commissioner for a nonresident license and designate 202
	260	+	this state as such person's, association's or corporation's home state. 203
	261	+	[(b)] (d) Each application for a license shall be signed by: The 204
	262	+	applicant, if the application is for an individual; a licensed officer, if the 205
	263	+	application is for a corporation; a licensed partner, if the application is 206
	264	+	for a partnership; and a licensed principal, if the application is for any 207
	265	+	other applicant. 208
	266	+	[(c)] (e) Each applicant for a license shall furnish satisfactory evidence 209
	267	+	to the commissioner that the applicant is a person of good moral 210
	268	+	character and that the applicant is financially responsible. In order to 211
	269	+	determine the trustworthiness and competency of an applicant the 212
	270	+	commissioner shall subject the applicant to personal written 213
	271	+	examination as to the applicant's competency to act as a licensee for each 214
	272	+	line of insurance for which the applicant desires to be licensed. The 215
	273	+	commissioner may, at the commissioner's discretion, designate an 216
	274	+	independent testing service to prepare and administer such 217
	275	+	examination, provided any examination fees charged by such service 218
	276	+	shall be paid by the applicant. The commissioner shall collect the 219 Substitute Bill No. 1039
340	277
341		-	Public Act No. 23-127 11 of 19
342	278
343		-	or other dependent child shall terminate not earlier than the policy
344		-	anniversary date after the date on which the child, stepchild or other
345		-	dependent child attains the age of twenty-six.
346		-	Sec. 6. Subsection (a) of section 38a-508 of the general statutes is
347		-	repealed and the following is substituted in lieu thereof (Effective October
348		-	1, 2023):
349		-	(a) Each individual health insurance policy providing coverage of the
350		-	type specified in subdivisions (1), (2), (4), [(6),] (10), (11) and (12) of
351		-	section 38a-469 delivered, issued for delivery, amended, renewed or
352		-	continued in this state shall provide coverage for a child legally placed
353		-	for adoption with the insured or subscriber who is an adoptive parent
354		-	or a prospective adoptive parent, even though the adoption has not been
355		-	finalized, provided the child lives in the household of such insured or
356		-	subscriber and the child is dependent upon such person for support and
357		-	maintenance.
358		-	Sec. 7. Subsection (a) of section 38a-512b of the general statutes is
359		-	repealed and the following is substituted in lieu thereof (Effective October
360		-	1, 2023):
361		-	(a) Each group health insurance policy providing coverage of the type
362		-	specified in subdivisions (1), (2), (4), [(6),] (10), (11) and (12) of section
363		-	38a-469 delivered, issued for delivery, amended, renewed or continued
364		-	in this state shall provide that coverage of a child, stepchild or other
365		-	dependent child shall terminate not earlier than the policy anniversary
366		-	date after the date on which the child, stepchild or other dependent
367		-	child attains the age of twenty-six.
368		-	Sec. 8. Subsection (a) of section 38a-515 of the general statutes is
369		-	repealed and the following is substituted in lieu thereof (Effective October
370		-	1, 2023):
371		-	(a) Each group health insurance policy providing coverage of the type Substitute Senate Bill No. 1039
	279	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	280	+	R01-SB.docx }
	281	+	8 of 18
372	282
373		-	Public Act No. 23-127 12 of 19
	283	+	appropriate examination fee as specified in section 38a-11, as amended 220
	284	+	by this act, which shall entitle the applicant to take the examination for 221
	285	+	the license desired, except that when a testing service is used, the testing 222
	286	+	service shall pay such fee to the commissioner for each examination 223
	287	+	taken by an applicant. In either case, each such examination shall be as 224
	288	+	the commissioner prescribes and shall be of sufficient scope to test the 225
	289	+	applicant's knowledge of insurance, the duties and responsibilities of a 226
	290	+	licensee and the laws of this state applicable to insurance. The 227
	291	+	commissioner may require a waiting period not exceeding six months, 228
	292	+	before reexamining any applicant who has failed to pass any such 229
	293	+	examination. 230
	294	+	[(d)] (f) Upon finding that an applicant meets the licensing 231
	295	+	requirements of this title and is in all respects properly qualified and 232
	296	+	trustworthy and that the granting of such license is not against the 233
	297	+	public interest, the commissioner may issue to such applicant the license 234
	298	+	applied for, in such form as the commissioner may adopt, to act within 235
	299	+	this state to the extent therein specified. 236
	300	+	[(e)] (g) The commissioner may adopt regulations, in accordance with 237
	301	+	chapter 54, concerning the approval of schools offering courses in 238
	302	+	insurance, the content of such courses and the advertising to the public 239
	303	+	of the services of these schools. 240
	304	+	[(f)] (h) To further the enforcement of this section and to determine 241
	305	+	the eligibility of any licensee, the commissioner may, as often as the 242
	306	+	commissioner deems necessary, examine the books and records of any 243
	307	+	such licensee. 244
	308	+	[(g)] (i) A license may, in the discretion of the commissioner, be 245
	309	+	renewed or continued upon payment of the appropriate fee as specified 246
	310	+	in section 38a-11, as amended by this act, without the resubmittal of the 247
	311	+	detailed information required in the original application. 248
	312	+	(j) The provisions of subsections (b) to (i), inclusive, of this section 249
	313	+	shall be applicable to any licensee or applicant for a license, including, 250 Substitute Bill No. 1039
374	314
375		-	specified in subdivisions (1), (2), (4), [(6),] (11) and (12) of section 38a-
376		-	469 delivered, issued for delivery, renewed, amended or continued in
377		-	this state that provides that coverage of a dependent child of an
378		-	employee or other member of the covered group shall terminate upon
379		-	attainment of the limiting age for dependent children specified in the
380		-	policy shall also provide in substance that attainment of the limiting age
381		-	shall not operate to terminate the coverage of the child if at such date
382		-	the child is and continues thereafter to be both (1) incapable of self-
383		-	sustaining employment by reason of mental or physical handicap, as
384		-	certified by the child's physician, physician assistant or advanced
385		-	practice registered nurse on a form provided by the insurer, hospital
386		-	service corporation, medical service corporation or health care center,
387		-	and (2) chiefly dependent upon such employee or member for support
388		-	and maintenance.
389		-	Sec. 9. Subsection (a) of section 38a-516 of the general statutes is
390		-	repealed and the following is substituted in lieu thereof (Effective October
391		-	1, 2023):
392		-	(a) Each group health insurance policy delivered, issued for delivery,
393		-	renewed, amended or continued in this state providing coverage of the
394		-	type specified in subdivisions (1), (2), (4), [(6),] (11) and (12) of section
395		-	38a-469 for a family member of the insured or subscriber shall, as to such
396		-	family member's coverage, also provide that the health insurance
397		-	benefits applicable for children shall be payable with respect to a newly
398		-	born child of the insured or subscriber from the moment of birth.
399		-	Sec. 10. Subsection (a) of section 38a-549 of the general statutes is
400		-	repealed and the following is substituted in lieu thereof (Effective October
401		-	1, 2023):
402		-	(a) Each group health insurance policy providing coverage of the type
403		-	specified in subdivisions (1), (2), (4), [(6),] (10), (11) and (12) of section
404		-	38a-469 delivered, issued for delivery, amended, renewed or continued Substitute Senate Bill No. 1039
405	315
406		-	Public Act No. 23-127 13 of 19
	316	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	317	+	R01-SB.docx }
	318	+	9 of 18
407	319
408		-	in this state shall provide coverage for a child legally placed for
409		-	adoption with an employee or other member of the covered group who
410		-	is an adoptive parent or a prospective adoptive parent, even though the
411		-	adoption has not been finalized, provided the child lives in the
412		-	household of such employee or member and the child is dependent
413		-	upon such employee or member for support and maintenance.
414		-	Sec. 11. Section 38a-509 of the general statutes is repealed and the
415		-	following is substituted in lieu thereof (Effective October 1, 2023):
416		-	(a) Subject to the limitations set forth in subsection (b) of this section
417		-	and except as provided in subsection (c) of this section, each individual
418		-	health insurance policy providing coverage of the type specified in
419		-	subdivisions (1), (2), (4), (11) and (12) of section 38a-469 delivered,
420		-	issued for delivery, amended, renewed or continued in this state on or
421		-	after January 1, 2018, shall provide coverage for the medically necessary
422		-	expenses [of] for the diagnosis and treatment of infertility, including,
423		-	but not limited to, ovulation induction, intrauterine insemination, in-
424		-	vitro fertilization, uterine embryo lavage, embryo transfer, gamete intra-
425		-	fallopian transfer, zygote intra-fallopian transfer and low tubal ovum
426		-	transfer. For purposes of this section, "infertility" means the condition of
427		-	an individual who is unable to conceive or produce conception or
428		-	sustain a successful pregnancy during a one-year period or such
429		-	treatment is medically necessary.
430		-	(b) Such policy may:
431		-	[(1) Limit such coverage to an individual until the date of such
432		-	individual's fortieth birthday;]
433		-	[(2)] (1) Limit such coverage for ovulation induction to a lifetime
434		-	maximum benefit of four cycles;
435		-	[(3)] (2) Limit such coverage for intrauterine insemination to a
436		-	lifetime maximum benefit of three cycles; Substitute Senate Bill No. 1039
	320	+	but not limited to, such licensee engaged in, or such applicant who seeks 251
	321	+	to become licensed to engage in, the occupation of insurance producer. 252
	322	+	Sec. 3. Section 38a-489 of the general statutes is repealed and the 253
	323	+	following is substituted in lieu thereof (Effective October 1, 2023): 254
	324	+	(a) Each individual health insurance policy providing coverage of the 255
	325	+	type specified in subdivisions (1), (2), (4), [(6),] (10), (11) and (12) of 256
	326	+	section 38a-469, delivered, issued for delivery, renewed, amended or 257
	327	+	continued in this state that provides that coverage of a dependent child 258
	328	+	shall terminate upon attainment of the limiting age for dependent 259
	329	+	children specified in the policy shall also provide in substance that 260
	330	+	attainment of the limiting age shall not operate to terminate the 261
	331	+	coverage of the child if at such date the child is and continues thereafter 262
	332	+	to be both (1) incapable of self-sustaining employment by reason of 263
	333	+	mental or physical handicap, as certified by the child's physician, 264
	334	+	physician assistant or advanced practice registered nurse on a form 265
	335	+	provided by the insurer, hospital service corporation, medical service 266
	336	+	corporation or health care center, and (2) chiefly dependent upon the 267
	337	+	policyholder or subscriber for support and maintenance. 268
	338	+	(b) Proof of the incapacity and dependency shall be furnished to the 269
	339	+	insurer, hospital service corporation, medical service corporation or 270
	340	+	health care center by the policyholder or subscriber within thirty-one 271
	341	+	days of the child's attainment of the limiting age. The insurer, 272
	342	+	corporation or health care center may at any time require proof of the 273
	343	+	child's continuing incapacity and dependency. After a period of two 274
	344	+	years has elapsed following the child's attainment of the limiting age the 275
	345	+	insurer, corporation or health care center may require periodic proof of 276
	346	+	the child's continuing incapacity and dependency but in no case more 277
	347	+	frequently than once every year. 278
	348	+	Sec. 4. Subsection (a) of section 38a-490 of the general statutes is 279
	349	+	repealed and the following is substituted in lieu thereof (Effective October 280
	350	+	1, 2023): 281 Substitute Bill No. 1039
437	351
438		-	Public Act No. 23-127 14 of 19
439	352
440		-	[(4)] (3) Limit such coverage for lifetime benefits to a maximum of
441		-	two cycles, with not more than two embryo implantations per cycle, for
442		-	in-vitro fertilization, gamete intra-fallopian transfer, zygote intra-
443		-	fallopian transfer or low tubal ovum transfer, provided each such
444		-	fertilization or transfer shall be credited toward such maximum as one
445		-	cycle;
446		-	[(5)] (4) Limit coverage for in-vitro fertilization, gamete intra-
447		-	fallopian transfer, zygote intra-fallopian transfer and low tubal ovum
448		-	transfer to those individuals who have been unable to conceive or
449		-	produce conception or sustain a successful pregnancy through less
450		-	expensive and medically viable infertility treatment or procedures
451		-	covered under such policy. Nothing in this subdivision shall be
452		-	construed to deny the coverage required by this section to any
453		-	individual who foregoes a particular infertility treatment or procedure
454		-	if the individual's physician determines that such treatment or
455		-	procedure is likely to be unsuccessful; and
456		-	[(6)] (5) Require that covered infertility treatment or procedures be
457		-	performed at facilities that conform to the standards and guidelines
458		-	developed by the American Society of Reproductive Medicine or the
459		-	Society of Reproductive Endocrinology and Infertility. [;]
460		-	[(7) Limit coverage to individuals who have maintained coverage
461		-	under such policy for at least twelve months; and
462		-	(8) Require disclosure by the individual seeking such coverage to
463		-	such individual's existing health insurance carrier of any previous
464		-	infertility treatment or procedures for which such individual received
465		-	coverage under a different health insurance policy. Such disclosure shall
466		-	be made on a form and in the manner prescribed by the Insurance
467		-	Commissioner.]
468		-	(c) (1) Any insurance company, hospital service corporation, medical Substitute Senate Bill No. 1039
	353	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	354	+	R01-SB.docx }
	355	+	10 of 18
469	356
470		-	Public Act No. 23-127 15 of 19
	357	+	(a) Each individual health insurance policy delivered, issued for 282
	358	+	delivery, renewed, amended or continued in this state providing 283
	359	+	coverage of the type specified in subdivisions (1), (2), (4), [(6),] (10), (11) 284
	360	+	and (12) of section 38a-469 for a family member of the insured or 285
	361	+	subscriber shall, as to such family member's coverage, also provide that 286
	362	+	the health insurance benefits applicable for children shall be payable 287
	363	+	with respect to a newly born child of the insured or subscriber from the 288
	364	+	moment of birth. 289
	365	+	Sec. 5. Subsection (a) of section 38a-497 of the general statutes is 290
	366	+	repealed and the following is substituted in lieu thereof (Effective October 291
	367	+	1, 2023): 292
	368	+	(a) Each individual health insurance policy providing coverage of the 293
	369	+	type specified in subdivisions (1), (2), (4), [(6),] (10), (11) and (12) of 294
	370	+	section 38a-469 delivered, issued for delivery, amended, renewed or 295
	371	+	continued in this state shall provide that coverage of a child, stepchild 296
	372	+	or other dependent child shall terminate not earlier than the policy 297
	373	+	anniversary date after the date on which the child, stepchild or other 298
	374	+	dependent child attains the age of twenty-six. 299
	375	+	Sec. 6. Subsection (a) of section 38a-508 of the general statutes is 300
	376	+	repealed and the following is substituted in lieu thereof (Effective October 301
	377	+	1, 2023): 302
	378	+	(a) Each individual health insurance policy providing coverage of the 303
	379	+	type specified in subdivisions (1), (2), (4), [(6),] (10), (11) and (12) of 304
	380	+	section 38a-469 delivered, issued for delivery, amended, renewed or 305
	381	+	continued in this state shall provide coverage for a child legally placed 306
	382	+	for adoption with the insured or subscriber who is an adoptive parent 307
	383	+	or a prospective adoptive parent, even though the adoption has not been 308
	384	+	finalized, provided the child lives in the household of such insured or 309
	385	+	subscriber and the child is dependent upon such person for support and 310
	386	+	maintenance. 311
	387	+	Sec. 7. Subsection (a) of section 38a-512b of the general statutes is 312 Substitute Bill No. 1039
471	388
472		-	service corporation or health care center may issue to a religious
473		-	employer an individual health insurance policy that excludes coverage
474		-	for methods of diagnosis and treatment of infertility that are contrary to
475		-	the religious employer's bona fide religious tenets.
476		-	(2) Upon the written request of an individual who states in writing
477		-	that methods of diagnosis and treatment of infertility are contrary to
478		-	such individual's religious or moral beliefs, any insurance company,
479		-	hospital service corporation, medical service corporation or health care
480		-	center may issue to or on behalf of the individual a policy or rider
481		-	thereto that excludes coverage for such methods.
482		-	(d) Any health insurance policy issued pursuant to subsection (c) of
483		-	this section shall provide written notice to each insured or prospective
484		-	insured that methods of diagnosis and treatment of infertility are
485		-	excluded from coverage pursuant to said subsection. Such notice shall
486		-	appear, in not less than ten-point type, in the policy, application and
487		-	sales brochure for such policy.
488		-	(e) As used in this section, "religious employer" means an employer
489		-	that is a "qualified church-controlled organization", as defined in 26 USC
490		-	3121 or a church-affiliated organization.
491		-	(f) Except as provided in subsections (c) to (e), inclusive, of this
492		-	section, no individual health insurance policy providing coverage of the
493		-	type specified in subdivisions (1), (2), (4), (11) and (12) of section 38a-469
494		-	delivered, issued for delivery, amended, renewed or continued in this
495		-	state on or after January 1, 2024, may make any distinction or
496		-	discrimination between persons on the basis of gender identity or
497		-	expression, sexual orientation or age with respect to health insurance
498		-	coverage for the medically necessary expenses for the diagnosis and
499		-	treatment of infertility, except that such policy may consider age as a
500		-	factor on the basis of a determination of medical necessity, using
501		-	professional guidelines published by the American Society for Substitute Senate Bill No. 1039
502	389
503		-	Public Act No. 23-127 16 of 19
	390	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	391	+	R01-SB.docx }
	392	+	11 of 18
504	393
505		-	Reproductive Medicine, its successor organization or a comparable
506		-	organization. For purposes of this subsection, "gender identity or
507		-	expression" has the same meaning as provided in section 1-1n.
508		-	Sec. 12. Section 38a-536 of the general statutes is repealed and the
509		-	following is substituted in lieu thereof (Effective October 1, 2023):
510		-	(a) Subject to the limitations set forth in subsection (b) of this section
511		-	and except as provided in subsection (c) of this section, each group
512		-	health insurance policy providing coverage of the type specified in
513		-	subdivisions (1), (2), (4), (11) and (12) of section 38a-469 delivered,
514		-	issued for delivery, amended, renewed or continued in this state on or
515		-	after January 1, 2018, shall provide coverage for the medically necessary
516		-	expenses [of] for the diagnosis and treatment of infertility, including,
517		-	but not limited to, ovulation induction, intrauterine insemination, in-
518		-	vitro fertilization, uterine embryo lavage, embryo transfer, gamete intra-
519		-	fallopian transfer, zygote intra-fallopian transfer and low tubal ovum
520		-	transfer. For purposes of this section, "infertility" means the condition of
521		-	an individual who is unable to conceive or produce conception or
522		-	sustain a successful pregnancy during a one-year period or such
523		-	treatment is medically necessary.
524		-	(b) Such policy may:
525		-	[(1) Limit such coverage to an individual until the date of such
526		-	individual's fortieth birthday;]
527		-	[(2)] (1) Limit such coverage for ovulation induction to a lifetime
528		-	maximum benefit of four cycles;
529		-	[(3)] (2) Limit such coverage for intrauterine insemination to a
530		-	lifetime maximum benefit of three cycles;
531		-	[(4)] (3) Limit such coverage for lifetime benefits to a maximum of
532		-	two cycles, with not more than two embryo implantations per cycle, for Substitute Senate Bill No. 1039
	394	+	repealed and the following is substituted in lieu thereof (Effective October 313
	395	+	1, 2023): 314
	396	+	(a) Each group health insurance policy providing coverage of the type 315
	397	+	specified in subdivisions (1), (2), (4), [(6),] (10), (11) and (12) of section 316
	398	+	38a-469 delivered, issued for delivery, amended, renewed or continued 317
	399	+	in this state shall provide that coverage of a child, stepchild or other 318
	400	+	dependent child shall terminate not earlier than the policy anniversary 319
	401	+	date after the date on which the child, stepchild or other dependent 320
	402	+	child attains the age of twenty-six. 321
	403	+	Sec. 8. Subsection (a) of section 38a-515 of the general statutes is 322
	404	+	repealed and the following is substituted in lieu thereof (Effective October 323
	405	+	1, 2023): 324
	406	+	(a) Each group health insurance policy providing coverage of the type 325
	407	+	specified in subdivisions (1), (2), (4), [(6),] (11) and (12) of section 38a-326
	408	+	469 delivered, issued for delivery, renewed, amended or continued in 327
	409	+	this state that provides that coverage of a dependent child of an 328
	410	+	employee or other member of the covered group shall terminate upon 329
	411	+	attainment of the limiting age for dependent children specified in the 330
	412	+	policy shall also provide in substance that attainment of the limiting age 331
	413	+	shall not operate to terminate the coverage of the child if at such date 332
	414	+	the child is and continues thereafter to be both (1) incapable of self-333
	415	+	sustaining employment by reason of mental or physical handicap, as 334
	416	+	certified by the child's physician, physician assistant or advanced 335
	417	+	practice registered nurse on a form provided by the insurer, hospital 336
	418	+	service corporation, medical service corporation or health care center, 337
	419	+	and (2) chiefly dependent upon such employee or member for support 338
	420	+	and maintenance. 339
	421	+	Sec. 9. Subsection (a) of section 38a-516 of the general statutes is 340
	422	+	repealed and the following is substituted in lieu thereof (Effective October 341
	423	+	1, 2023): 342
	424	+	(a) Each group health insurance policy delivered, issued for delivery, 343 Substitute Bill No. 1039
533	425
534		-	Public Act No. 23-127 17 of 19
535	426
536		-	in-vitro fertilization, gamete intra-fallopian transfer, zygote intra-
537		-	fallopian transfer or low tubal ovum transfer, provided each such
538		-	fertilization or transfer shall be credited toward such maximum as one
539		-	cycle;
540		-	[(5)] (4) Limit coverage for in-vitro fertilization, gamete intra-
541		-	fallopian transfer, zygote intra-fallopian transfer and low tubal ovum
542		-	transfer to those individuals who have been unable to conceive or
543		-	produce conception or sustain a successful pregnancy through less
544		-	expensive and medically viable infertility treatment or procedures
545		-	covered under such policy. Nothing in this subdivision shall be
546		-	construed to deny the coverage required by this section to any
547		-	individual who foregoes a particular infertility treatment or procedure
548		-	if the individual's physician determines that such treatment or
549		-	procedure is likely to be unsuccessful; and
550		-	[(6)] (5) Require that covered infertility treatment or procedures be
551		-	performed at facilities that conform to the standards and guidelines
552		-	developed by the American Society of Reproductive Medicine or the
553		-	Society of Reproductive Endocrinology and Infertility. [;]
554		-	[(7) Limit coverage to individuals who have maintained coverage
555		-	under such policy for at least twelve months; and
556		-	(8) Require disclosure by the individual seeking such coverage to
557		-	such individual's existing health insurance carrier of any previous
558		-	infertility treatment or procedures for which such individual received
559		-	coverage under a different health insurance policy. Such disclosure shall
560		-	be made on a form and in the manner prescribed by the Insurance
561		-	Commissioner.]
562		-	(c) (1) Any insurance company, hospital service corporation, medical
563		-	service corporation or health care center may issue to a religious
564		-	employer a group health insurance policy that excludes coverage for Substitute Senate Bill No. 1039
	427	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	428	+	R01-SB.docx }
	429	+	12 of 18
565	430
566		-	Public Act No. 23-127 18 of 19
	431	+	renewed, amended or continued in this state providing coverage of the 344
	432	+	type specified in subdivisions (1), (2), (4), [(6),] (11) and (12) of section 345
	433	+	38a-469 for a family member of the insured or subscriber shall, as to such 346
	434	+	family member's coverage, also provide that the health insurance 347
	435	+	benefits applicable for children shall be payable with respect to a newly 348
	436	+	born child of the insured or subscriber from the moment of birth. 349
	437	+	Sec. 10. Subsection (a) of section 38a-549 of the general statutes is 350
	438	+	repealed and the following is substituted in lieu thereof (Effective October 351
	439	+	1, 2023): 352
	440	+	(a) Each group health insurance policy providing coverage of the type 353
	441	+	specified in subdivisions (1), (2), (4), [(6),] (10), (11) and (12) of section 354
	442	+	38a-469 delivered, issued for delivery, amended, renewed or continued 355
	443	+	in this state shall provide coverage for a child legally placed for 356
	444	+	adoption with an employee or other member of the covered group who 357
	445	+	is an adoptive parent or a prospective adoptive parent, even though the 358
	446	+	adoption has not been finalized, provided the child lives in the 359
	447	+	household of such employee or member and the child is dependent 360
	448	+	upon such employee or member for support and maintenance. 361
	449	+	Sec. 11. Section 38a-509 of the general statutes is repealed and the 362
	450	+	following is substituted in lieu thereof (Effective October 1, 2023): 363
	451	+	(a) Subject to the limitations set forth in subsection (b) of this section 364
	452	+	and except as provided in subsection (c) of this section, each individual 365
	453	+	health insurance policy providing coverage of the type specified in 366
	454	+	subdivisions (1), (2), (4), (11) and (12) of section 38a-469 delivered, 367
	455	+	issued for delivery, amended, renewed or continued in this state on or 368
	456	+	after January 1, 2018, shall provide coverage for the medically necessary 369
	457	+	expenses [of] for the diagnosis and treatment of infertility, including, 370
	458	+	but not limited to, ovulation induction, intrauterine insemination, in-371
	459	+	vitro fertilization, uterine embryo lavage, embryo transfer, gamete intra-372
	460	+	fallopian transfer, zygote intra-fallopian transfer and low tubal ovum 373
	461	+	transfer. For purposes of this section, "infertility" means the condition of 374
	462	+	an individual who is unable to conceive or produce conception or 375 Substitute Bill No. 1039
567	463
568		-	methods of diagnosis and treatment of infertility that are contrary to the
569		-	religious employer's bona fide religious tenets.
570		-	(2) Upon the written request of an individual who states in writing
571		-	that methods of diagnosis and treatment of infertility are contrary to
572		-	such individual's religious or moral beliefs, any insurance company,
573		-	hospital service corporation, medical service corporation or health care
574		-	center may issue to or on behalf of the individual a policy or rider
575		-	thereto that excludes coverage for such methods.
576		-	(d) Any health insurance policy issued pursuant to subsection (c) of
577		-	this section shall provide written notice to each insured or prospective
578		-	insured that methods of diagnosis and treatment of infertility are
579		-	excluded from coverage pursuant to said subsection. Such notice shall
580		-	appear, in not less than ten-point type, in the policy, application and
581		-	sales brochure for such policy.
582		-	(e) As used in this section, "religious employer" means an employer
583		-	that is a "qualified church-controlled organization", as defined in 26 USC
584		-	3121 or a church-affiliated organization.
585		-	(f) Except as provided in subsections (c) to (e), inclusive, of this
586		-	section, no group health insurance policy providing coverage of the type
587		-	specified in subdivisions (1), (2), (4), (11) and (12) of section 38a-469
588		-	delivered, issued for delivery, amended, renewed or continued in this
589		-	state on or after January 1, 2024, may make any distinction or
590		-	discrimination between persons on the basis of gender identity or
591		-	expression, sexual orientation or age with respect to health insurance
592		-	coverage for the medically necessary expenses for the diagnosis and
593		-	treatment of infertility, except that such policy may consider age as a
594		-	factor on the basis of a determination of medical necessity, using
595		-	professional guidelines published by the American Society for
596		-	Reproductive Medicine, its successor organization or a comparable
597		-	organization. For purposes of this subsection, "gender identity or Substitute Senate Bill No. 1039
598	464
599		-	Public Act No. 23-127 19 of 19
	465	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	466	+	R01-SB.docx }
	467	+	13 of 18
600	468
601		-	expression" has the same meaning as provided in section 1-1n.
	469	+	sustain a successful pregnancy during a one-year period or such 376
	470	+	treatment is medically necessary. 377
	471	+	(b) Such policy may: 378
	472	+	[(1) Limit such coverage to an individual until the date of such 379
	473	+	individual's fortieth birthday;] 380
	474	+	[(2)] (1) Limit such coverage for ovulation induction to a lifetime 381
	475	+	maximum benefit of four cycles; 382
	476	+	[(3)] (2) Limit such coverage for intrauterine insemination to a 383
	477	+	lifetime maximum benefit of three cycles; 384
	478	+	[(4)] (3) Limit such coverage for lifetime benefits to a maximum of 385
	479	+	two cycles, with not more than two embryo implantations per cycle, for 386
	480	+	in-vitro fertilization, gamete intra-fallopian transfer, zygote intra-387
	481	+	fallopian transfer or low tubal ovum transfer, provided each such 388
	482	+	fertilization or transfer shall be credited toward such maximum as one 389
	483	+	cycle; 390
	484	+	[(5)] (4) Limit coverage for in-vitro fertilization, gamete intra-391
	485	+	fallopian transfer, zygote intra-fallopian transfer and low tubal ovum 392
	486	+	transfer to those individuals who have been unable to conceive or 393
	487	+	produce conception or sustain a successful pregnancy through less 394
	488	+	expensive and medically viable infertility treatment or procedures 395
	489	+	covered under such policy. Nothing in this subdivision shall be 396
	490	+	construed to deny the coverage required by this section to any 397
	491	+	individual who foregoes a particular infertility treatment or procedure 398
	492	+	if the individual's physician determines that such treatment or 399
	493	+	procedure is likely to be unsuccessful; and 400
	494	+	[(6)] (5) Require that covered infertility treatment or procedures be 401
	495	+	performed at facilities that conform to the standards and guidelines 402
	496	+	developed by the American Society of Reproductive Medicine or the 403
	497	+	Society of Reproductive Endocrinology and Infertility. [;] 404 Substitute Bill No. 1039
	498	+
	499	+
	500	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	501	+	R01-SB.docx }
	502	+	14 of 18
	503	+
	504	+	[(7) Limit coverage to individuals who have maintained coverage 405
	505	+	under such policy for at least twelve months; and 406
	506	+	(8) Require disclosure by the individual seeking such coverage to 407
	507	+	such individual's existing health insurance carrier of any previous 408
	508	+	infertility treatment or procedures for which such individual received 409
	509	+	coverage under a different health insurance policy. Such disclosure shall 410
	510	+	be made on a form and in the manner prescribed by the Insurance 411
	511	+	Commissioner.] 412
	512	+	(c) (1) Any insurance company, hospital service corporation, medical 413
	513	+	service corporation or health care center may issue to a religious 414
	514	+	employer an individual health insurance policy that excludes coverage 415
	515	+	for methods of diagnosis and treatment of infertility that are contrary to 416
	516	+	the religious employer's bona fide religious tenets. 417
	517	+	(2) Upon the written request of an individual who states in writing 418
	518	+	that methods of diagnosis and treatment of infertility are contrary to 419
	519	+	such individual's religious or moral beliefs, any insurance company, 420
	520	+	hospital service corporation, medical service corporation or health care 421
	521	+	center may issue to or on behalf of the individual a policy or rider 422
	522	+	thereto that excludes coverage for such methods. 423
	523	+	(d) Any health insurance policy issued pursuant to subsection (c) of 424
	524	+	this section shall provide written notice to each insured or prospective 425
	525	+	insured that methods of diagnosis and treatment of infertility are 426
	526	+	excluded from coverage pursuant to said subsection. Such notice shall 427
	527	+	appear, in not less than ten-point type, in the policy, application and 428
	528	+	sales brochure for such policy. 429
	529	+	(e) As used in this section, "religious employer" means an employer 430
	530	+	that is a "qualified church-controlled organization", as defined in 26 USC 431
	531	+	3121 or a church-affiliated organization. 432
	532	+	(f) Except as provided in subsections (c) to (e), inclusive, of this 433
	533	+	section, no individual health insurance policy providing coverage of the 434
	534	+	type specified in subdivisions (1), (2), (4), (11) and (12) of section 38a-469 435 Substitute Bill No. 1039
	535	+
	536	+
	537	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	538	+	R01-SB.docx }
	539	+	15 of 18
	540	+
	541	+	delivered, issued for delivery, amended, renewed or continued in this 436
	542	+	state on or after January 1, 2024, may make any distinction or 437
	543	+	discrimination between persons on the basis of gender identity or 438
	544	+	expression, sex or age with respect to health insurance coverage for the 439
	545	+	medically necessary expenses for the diagnosis and treatment of 440
	546	+	infertility, except that such policy may consider age as a factor on the 441
	547	+	basis of a determination of medical necessity, using professional 442
	548	+	guidelines published by the American Society for Reproductive 443
	549	+	Medicine, its successor organization or a comparable organization. For 444
	550	+	purposes of this subsection, "gender identity or expression" has the 445
	551	+	same meaning as provided in section 1-1n. 446
	552	+	Sec. 12. Section 38a-536 of the general statutes is repealed and the 447
	553	+	following is substituted in lieu thereof (Effective October 1, 2023): 448
	554	+	(a) Subject to the limitations set forth in subsection (b) of this section 449
	555	+	and except as provided in subsection (c) of this section, each group 450
	556	+	health insurance policy providing coverage of the type specified in 451
	557	+	subdivisions (1), (2), (4), (11) and (12) of section 38a-469 delivered, 452
	558	+	issued for delivery, amended, renewed or continued in this state on or 453
	559	+	after January 1, 2018, shall provide coverage for the medically necessary 454
	560	+	expenses [of] for the diagnosis and treatment of infertility, including, 455
	561	+	but not limited to, ovulation induction, intrauterine insemination, in-456
	562	+	vitro fertilization, uterine embryo lavage, embryo transfer, gamete intra-457
	563	+	fallopian transfer, zygote intra-fallopian transfer and low tubal ovum 458
	564	+	transfer. For purposes of this section, "infertility" means the condition of 459
	565	+	an individual who is unable to conceive or produce conception or 460
	566	+	sustain a successful pregnancy during a one-year period or such 461
	567	+	treatment is medically necessary. 462
	568	+	(b) Such policy may: 463
	569	+	[(1) Limit such coverage to an individual until the date of such 464
	570	+	individual's fortieth birthday;] 465
	571	+	[(2)] (1) Limit such coverage for ovulation induction to a lifetime 466 Substitute Bill No. 1039
	572	+
	573	+
	574	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	575	+	R01-SB.docx }
	576	+	16 of 18
	577	+
	578	+	maximum benefit of four cycles; 467
	579	+	[(3)] (2) Limit such coverage for intrauterine insemination to a 468
	580	+	lifetime maximum benefit of three cycles; 469
	581	+	[(4)] (3) Limit such coverage for lifetime benefits to a maximum of 470
	582	+	two cycles, with not more than two embryo implantations per cycle, for 471
	583	+	in-vitro fertilization, gamete intra-fallopian transfer, zygote intra-472
	584	+	fallopian transfer or low tubal ovum transfer, provided each such 473
	585	+	fertilization or transfer shall be credited toward such maximum as one 474
	586	+	cycle; 475
	587	+	[(5)] (4) Limit coverage for in-vitro fertilization, gamete intra-476
	588	+	fallopian transfer, zygote intra-fallopian transfer and low tubal ovum 477
	589	+	transfer to those individuals who have been unable to conceive or 478
	590	+	produce conception or sustain a successful pregnancy through less 479
	591	+	expensive and medically viable infertility treatment or procedures 480
	592	+	covered under such policy. Nothing in this subdivision shall be 481
	593	+	construed to deny the coverage required by this section to any 482
	594	+	individual who foregoes a particular infertility treatment or procedure 483
	595	+	if the individual's physician determines that such treatment or 484
	596	+	procedure is likely to be unsuccessful; and 485
	597	+	[(6)] (5) Require that covered infertility treatment or procedures be 486
	598	+	performed at facilities that conform to the standards and guidelines 487
	599	+	developed by the American Society of Reproductive Medicine or the 488
	600	+	Society of Reproductive Endocrinology and Infertility. [;] 489
	601	+	[(7) Limit coverage to individuals who have maintained coverage 490
	602	+	under such policy for at least twelve months; and 491
	603	+	(8) Require disclosure by the individual seeking such coverage to 492
	604	+	such individual's existing health insurance carrier of any previous 493
	605	+	infertility treatment or procedures for which such individual received 494
	606	+	coverage under a different health insurance policy. Such disclosure shall 495
	607	+	be made on a form and in the manner prescribed by the Insurance 496
	608	+	Commissioner.] 497 Substitute Bill No. 1039
	609	+
	610	+
	611	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	612	+	R01-SB.docx }
	613	+	17 of 18
	614	+
	615	+	(c) (1) Any insurance company, hospital service corporation, medical 498
	616	+	service corporation or health care center may issue to a religious 499
	617	+	employer a group health insurance policy that excludes coverage for 500
	618	+	methods of diagnosis and treatment of infertility that are contrary to the 501
	619	+	religious employer's bona fide religious tenets. 502
	620	+	(2) Upon the written request of an individual who states in writing 503
	621	+	that methods of diagnosis and treatment of infertility are contrary to 504
	622	+	such individual's religious or moral beliefs, any insurance company, 505
	623	+	hospital service corporation, medical service corporation or health care 506
	624	+	center may issue to or on behalf of the individual a policy or rider 507
	625	+	thereto that excludes coverage for such methods. 508
	626	+	(d) Any health insurance policy issued pursuant to subsection (c) of 509
	627	+	this section shall provide written notice to each insured or prospective 510
	628	+	insured that methods of diagnosis and treatment of infertility are 511
	629	+	excluded from coverage pursuant to said subsection. Such notice shall 512
	630	+	appear, in not less than ten-point type, in the policy, application and 513
	631	+	sales brochure for such policy. 514
	632	+	(e) As used in this section, "religious employer" means an employer 515
	633	+	that is a "qualified church-controlled organization", as defined in 26 USC 516
	634	+	3121 or a church-affiliated organization. 517
	635	+	(f) Except as provided in subsections (c) to (e), inclusive, of this 518
	636	+	section, no group health insurance policy providing coverage of the type 519
	637	+	specified in subdivisions (1), (2), (4), (11) and (12) of section 38a-469 520
	638	+	delivered, issued for delivery, amended, renewed or continued in this 521
	639	+	state on or after January 1, 2024, may make any distinction or 522
	640	+	discrimination between persons on the basis of gender identity or 523
	641	+	expression, sex or age with respect to health insurance coverage for the 524
	642	+	medically necessary expenses for the diagnosis and treatment of 525
	643	+	infertility, except that such policy may consider age as a factor on the 526
	644	+	basis of a determination of medical necessity, using professional 527
	645	+	guidelines published by the American Society for Reproductive 528
	646	+	Medicine, its successor organization or a comparable organization. For 529 Substitute Bill No. 1039
	647	+
	648	+
	649	+	LCO {\\PRDFS1\SCOUSERS\FORZANOF\WS\2023SB-01039-
	650	+	R01-SB.docx }
	651	+	18 of 18
	652	+
	653	+	purposes of this subsection, "gender identity or expression" has the 530
	654	+	same meaning as provided in section 1-1n. 531
	655	+	This act shall take effect as follows and shall amend the following
	656	+	sections:
	657	+
	658	+	Section 1 October 1, 2023 38a-11
	659	+	Sec. 2 October 1, 2023 38a-769
	660	+	Sec. 3 October 1, 2023 38a-489
	661	+	Sec. 4 October 1, 2023 38a-490(a)
	662	+	Sec. 5 October 1, 2023 38a-497(a)
	663	+	Sec. 6 October 1, 2023 38a-508(a)
	664	+	Sec. 7 October 1, 2023 38a-512b(a)
	665	+	Sec. 8 October 1, 2023 38a-515(a)
	666	+	Sec. 9 October 1, 2023 38a-516(a)
	667	+	Sec. 10 October 1, 2023 38a-549(a)
	668	+	Sec. 11 October 1, 2023 38a-509
	669	+	Sec. 12 October 1, 2023 38a-536
	670	+
	671	+	Statement of Legislative Commissioners:
	672	+	In Section 1(f), "to" before "pay such fee" was deleted for clarity.
	673	+
	674	+	INS Joint Favorable Subst.
602	675