Illinois 2023-2024 Regular Session

Illinois Senate Bill SB0241 Compare Versions

Only one version of the bill is available at this time.

Old	New	Differences
1	1	103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 SB0241 Introduced 1/31/2023, by Sen. Laura Ellman SYNOPSIS AS INTRODUCED: 215 ILCS 5/356z.3215 ILCS 5/356z.3a215 ILCS 124/10 Amends the Illinois Insurance Code. Makes a change in provisions concerning disclosure of nonparticipating provider limited benefits. Adds reproductive health care to the definition of "ancillary services". Amends the Network Adequacy and Transparency Act. Provides that an insurer providing a network plan shall file a description with the Director of Insurance of written policies and procedures on how the network plan will provide 24-hour, 7-day per week access to reproductive health care. Provides that the Department of Insurance shall consider establishing ratios for reproductive health care physicians or other providers. Effective July 1, 2024, except that certain changes take effect January 1, 2025. LRB103 27273 BMS 53644 b A BILL FOR 103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 SB0241 Introduced 1/31/2023, by Sen. Laura Ellman SYNOPSIS AS INTRODUCED: 215 ILCS 5/356z.3215 ILCS 5/356z.3a215 ILCS 124/10 215 ILCS 5/356z.3 215 ILCS 5/356z.3a 215 ILCS 124/10 Amends the Illinois Insurance Code. Makes a change in provisions concerning disclosure of nonparticipating provider limited benefits. Adds reproductive health care to the definition of "ancillary services". Amends the Network Adequacy and Transparency Act. Provides that an insurer providing a network plan shall file a description with the Director of Insurance of written policies and procedures on how the network plan will provide 24-hour, 7-day per week access to reproductive health care. Provides that the Department of Insurance shall consider establishing ratios for reproductive health care physicians or other providers. Effective July 1, 2024, except that certain changes take effect January 1, 2025. LRB103 27273 BMS 53644 b LRB103 27273 BMS 53644 b A BILL FOR
2	2	103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 SB0241 Introduced 1/31/2023, by Sen. Laura Ellman SYNOPSIS AS INTRODUCED:
3	3	215 ILCS 5/356z.3215 ILCS 5/356z.3a215 ILCS 124/10 215 ILCS 5/356z.3 215 ILCS 5/356z.3a 215 ILCS 124/10
4	4	215 ILCS 5/356z.3
5	5	215 ILCS 5/356z.3a
6	6	215 ILCS 124/10
7	7	Amends the Illinois Insurance Code. Makes a change in provisions concerning disclosure of nonparticipating provider limited benefits. Adds reproductive health care to the definition of "ancillary services". Amends the Network Adequacy and Transparency Act. Provides that an insurer providing a network plan shall file a description with the Director of Insurance of written policies and procedures on how the network plan will provide 24-hour, 7-day per week access to reproductive health care. Provides that the Department of Insurance shall consider establishing ratios for reproductive health care physicians or other providers. Effective July 1, 2024, except that certain changes take effect January 1, 2025.
8	8	LRB103 27273 BMS 53644 b LRB103 27273 BMS 53644 b
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10	10	A BILL FOR
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13	13	1 AN ACT concerning regulation.
14	14	2 Be it enacted by the People of the State of Illinois,
15	15	3 represented in the General Assembly:
16	16	4 Section 5. The Illinois Insurance Code is amended by
17	17	5 changing Sections 356z.3 and 356z.3a as follows:
18	18	6 (215 ILCS 5/356z.3)
19	19	7 Sec. 356z.3. Disclosure of limited benefit. An insurer
20	20	8 that issues, delivers, amends, or renews an individual or
21	21	9 group policy of accident and health insurance in this State
22	22	10 after the effective date of this amendatory Act of the 92nd
23	23	11 General Assembly and arranges, contracts with, or administers
24	24	12 contracts with a provider whereby beneficiaries are provided
25	25	13 an incentive to use the services of such provider must include
26	26	14 the following disclosure on its contracts and evidences of
27	27	15 coverage: "WARNING, LIMITED BENEFITS WILL BE PAID WHEN
28	28	16 NON-PARTICIPATING PROVIDERS ARE USED. You should be aware that
29	29	17 when you elect to utilize the services of a non-participating
30	30	18 provider for a covered service in non-emergency situations,
31	31	19 benefit payments to such non-participating provider are not
32	32	20 based upon the amount billed. The basis of your benefit
33	33	21 payment will be determined according to your policy's fee
34	34	22 schedule, usual and customary charge (which is determined by
35	35	23 comparing charges for similar services adjusted to the
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39	39	103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 SB0241 Introduced 1/31/2023, by Sen. Laura Ellman SYNOPSIS AS INTRODUCED:
40	40	215 ILCS 5/356z.3215 ILCS 5/356z.3a215 ILCS 124/10 215 ILCS 5/356z.3 215 ILCS 5/356z.3a 215 ILCS 124/10
41	41	215 ILCS 5/356z.3
42	42	215 ILCS 5/356z.3a
43	43	215 ILCS 124/10
44	44	Amends the Illinois Insurance Code. Makes a change in provisions concerning disclosure of nonparticipating provider limited benefits. Adds reproductive health care to the definition of "ancillary services". Amends the Network Adequacy and Transparency Act. Provides that an insurer providing a network plan shall file a description with the Director of Insurance of written policies and procedures on how the network plan will provide 24-hour, 7-day per week access to reproductive health care. Provides that the Department of Insurance shall consider establishing ratios for reproductive health care physicians or other providers. Effective July 1, 2024, except that certain changes take effect January 1, 2025.
45	45	LRB103 27273 BMS 53644 b LRB103 27273 BMS 53644 b
46	46	LRB103 27273 BMS 53644 b
47	47	A BILL FOR
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53	53	215 ILCS 5/356z.3
54	54	215 ILCS 5/356z.3a
55	55	215 ILCS 124/10
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74	74	1 geographical area where the services are performed), or other
75	75	2 method as defined by the policy. YOU CAN EXPECT TO PAY MORE
76	76	3 THAN THE COINSURANCE AMOUNT DEFINED IN THE POLICY AFTER THE
77	77	4 PLAN HAS PAID ITS REQUIRED PORTION. Non-participating
78	78	5 providers may bill members for any amount up to the billed
79	79	6 charge after the plan has paid its portion of the bill, except
80	80	7 as provided in Section 356z.3a of the Illinois Insurance Code
81	81	8 for covered services received at a participating health care
82	82	9 facility from a nonparticipating provider that are: (a)
83	83	10 ancillary services, (b) items or services furnished as a
84	84	11 result of unforeseen, urgent medical needs that arise at the
85	85	12 time the item or service is furnished, or (c) items or services
86	86	13 received when the facility or the non-participating provider
87	87	14 fails to satisfy the notice and consent criteria specified
88	88	15 under Section 356z.3a, or (d) reproductive health care, as
89	89	16 defined in Section 1-10 of the Reproductive Health Act.
90	90	17 Participating providers have agreed to accept discounted
91	91	18 payments for services with no additional billing to the member
92	92	19 other than co-insurance and deductible amounts. You may obtain
93	93	20 further information about the participating status of
94	94	21 professional providers and information on out-of-pocket
95	95	22 expenses by calling the toll free telephone number on your
96	96	23 identification card.".
97	97	24 (Source: P.A. 102-901, eff. 1-1-23.)
98	98	25 (215 ILCS 5/356z.3a)
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109	109	1 Sec. 356z.3a. Billing; emergency services;
110	110	2 nonparticipating providers.
111	111	3 (a) As used in this Section:
112	112	4 "Ancillary services" means:
113	113	5 (1) items and services related to emergency medicine,
114	114	6 anesthesiology, pathology, radiology, and neonatology that
115	115	7 are provided by any health care provider;
116	116	8 (2) items and services provided by assistant surgeons,
117	117	9 hospitalists, and intensivists;
118	118	10 (3) diagnostic services, including radiology and
119	119	11 laboratory services, except for advanced diagnostic
120	120	12 laboratory tests identified on the most current list
121	121	13 published by the United States Secretary of Health and
122	122	14 Human Services under 42 U.S.C. 300gg-132(b)(3);
123	123	15 (4) items and services provided by other specialty
124	124	16 practitioners as the United States Secretary of Health and
125	125	17 Human Services specifies through rulemaking under 42
126	126	18 U.S.C. 300gg-132(b)(3);
127	127	19 (5) items and services provided by a nonparticipating
128	128	20 provider if there is no participating provider who can
129	129	21 furnish the item or service at the facility; and
130	130	22 (6) items and services provided by a nonparticipating
131	131	23 provider if there is no participating provider who will
132	132	24 furnish the item or service because a participating
133	133	25 provider has asserted the participating provider's rights
134	134	26 under the Health Care Right of Conscience Act; and .
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145	145	1 (7) reproductive health care, as defined in Section
146	146	2 1-10 of the Reproductive Health Act.
147	147	3 "Cost sharing" means the amount an insured, beneficiary,
148	148	4 or enrollee is responsible for paying for a covered item or
149	149	5 service under the terms of the policy or certificate. "Cost
150	150	6 sharing" includes copayments, coinsurance, and amounts paid
151	151	7 toward deductibles, but does not include amounts paid towards
152	152	8 premiums, balance billing by out-of-network providers, or the
153	153	9 cost of items or services that are not covered under the policy
154	154	10 or certificate.
155	155	11 "Emergency department of a hospital" means any hospital
156	156	12 department that provides emergency services, including a
157	157	13 hospital outpatient department.
158	158	14 "Emergency medical condition" has the meaning ascribed to
159	159	15 that term in Section 10 of the Managed Care Reform and Patient
160	160	16 Rights Act.
161	161	17 "Emergency medical screening examination" has the meaning
162	162	18 ascribed to that term in Section 10 of the Managed Care Reform
163	163	19 and Patient Rights Act.
164	164	20 "Emergency services" means, with respect to an emergency
165	165	21 medical condition:
166	166	22 (1) in general, an emergency medical screening
167	167	23 examination, including ancillary services routinely
168	168	24 available to the emergency department to evaluate such
169	169	25 emergency medical condition, and such further medical
170	170	26 examination and treatment as would be required to
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181	181	1 stabilize the patient regardless of the department of the
182	182	2 hospital or other facility in which such further
183	183	3 examination or treatment is furnished; or
184	184	4 (2) additional items and services for which benefits
185	185	5 are provided or covered under the coverage and that are
186	186	6 furnished by a nonparticipating provider or
187	187	7 nonparticipating emergency facility regardless of the
188	188	8 department of the hospital or other facility in which such
189	189	9 items are furnished after the insured, beneficiary, or
190	190	10 enrollee is stabilized and as part of outpatient
191	191	11 observation or an inpatient or outpatient stay with
192	192	12 respect to the visit in which the services described in
193	193	13 paragraph (1) are furnished. Services after stabilization
194	194	14 cease to be emergency services only when all the
195	195	15 conditions of 42 U.S.C. 300gg-111(a)(3)(C)(ii)(II) and
196	196	16 regulations thereunder are met.
197	197	17 "Freestanding Emergency Center" means a facility licensed
198	198	18 under Section 32.5 of the Emergency Medical Services (EMS)
199	199	19 Systems Act.
200	200	20 "Health care facility" means, in the context of
201	201	21 non-emergency services, any of the following:
202	202	22 (1) a hospital as defined in 42 U.S.C. 1395x(e);
203	203	23 (2) a hospital outpatient department;
204	204	24 (3) a critical access hospital certified under 42
205	205	25 U.S.C. 1395i-4(e);
206	206	26 (4) an ambulatory surgical treatment center as defined
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217	217	1 in the Ambulatory Surgical Treatment Center Act; or
218	218	2 (5) any recipient of a license under the Hospital
219	219	3 Licensing Act that is not otherwise described in this
220	220	4 definition.
221	221	5 "Health care provider" means a provider as defined in
222	222	6 subsection (d) of Section 370g. "Health care provider" does
223	223	7 not include a provider of air ambulance or ground ambulance
224	224	8 services.
225	225	9 "Health care services" has the meaning ascribed to that
226	226	10 term in subsection (a) of Section 370g.
227	227	11 "Health insurance issuer" has the meaning ascribed to that
228	228	12 term in Section 5 of the Illinois Health Insurance Portability
229	229	13 and Accountability Act.
230	230	14 "Nonparticipating emergency facility" means, with respect
231	231	15 to the furnishing of an item or service under a policy of group
232	232	16 or individual health insurance coverage, any of the following
233	233	17 facilities that does not have a contractual relationship
234	234	18 directly or indirectly with a health insurance issuer in
235	235	19 relation to the coverage:
236	236	20 (1) an emergency department of a hospital;
237	237	21 (2) a Freestanding Emergency Center;
238	238	22 (3) an ambulatory surgical treatment center as defined
239	239	23 in the Ambulatory Surgical Treatment Center Act; or
240	240	24 (4) with respect to emergency services described in
241	241	25 paragraph (2) of the definition of "emergency services", a
242	242	26 hospital.
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253	253	1 "Nonparticipating provider" means, with respect to the
254	254	2 furnishing of an item or service under a policy of group or
255	255	3 individual health insurance coverage, any health care provider
256	256	4 who does not have a contractual relationship directly or
257	257	5 indirectly with a health insurance issuer in relation to the
258	258	6 coverage.
259	259	7 "Participating emergency facility" means any of the
260	260	8 following facilities that has a contractual relationship
261	261	9 directly or indirectly with a health insurance issuer offering
262	262	10 group or individual health insurance coverage setting forth
263	263	11 the terms and conditions on which a relevant health care
264	264	12 service is provided to an insured, beneficiary, or enrollee
265	265	13 under the coverage:
266	266	14 (1) an emergency department of a hospital;
267	267	15 (2) a Freestanding Emergency Center;
268	268	16 (3) an ambulatory surgical treatment center as defined
269	269	17 in the Ambulatory Surgical Treatment Center Act; or
270	270	18 (4) with respect to emergency services described in
271	271	19 paragraph (2) of the definition of "emergency services", a
272	272	20 hospital.
273	273	21 For purposes of this definition, a single case agreement
274	274	22 between an emergency facility and an issuer that is used to
275	275	23 address unique situations in which an insured, beneficiary, or
276	276	24 enrollee requires services that typically occur out-of-network
277	277	25 constitutes a contractual relationship and is limited to the
278	278	26 parties to the agreement.
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289	289	1 "Participating health care facility" means any health care
290	290	2 facility that has a contractual relationship directly or
291	291	3 indirectly with a health insurance issuer offering group or
292	292	4 individual health insurance coverage setting forth the terms
293	293	5 and conditions on which a relevant health care service is
294	294	6 provided to an insured, beneficiary, or enrollee under the
295	295	7 coverage. A single case agreement between an emergency
296	296	8 facility and an issuer that is used to address unique
297	297	9 situations in which an insured, beneficiary, or enrollee
298	298	10 requires services that typically occur out-of-network
299	299	11 constitutes a contractual relationship for purposes of this
300	300	12 definition and is limited to the parties to the agreement.
301	301	13 "Participating provider" means any health care provider
302	302	14 that has a contractual relationship directly or indirectly
303	303	15 with a health insurance issuer offering group or individual
304	304	16 health insurance coverage setting forth the terms and
305	305	17 conditions on which a relevant health care service is provided
306	306	18 to an insured, beneficiary, or enrollee under the coverage.
307	307	19 "Qualifying payment amount" has the meaning given to that
308	308	20 term in 42 U.S.C. 300gg-111(a)(3)(E) and the regulations
309	309	21 promulgated thereunder.
310	310	22 "Recognized amount" means the lesser of the amount
311	311	23 initially billed by the provider or the qualifying payment
312	312	24 amount.
313	313	25 "Stabilize" means "stabilization" as defined in Section 10
314	314	26 of the Managed Care Reform and Patient Rights Act.
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325	325	1 "Treating provider" means a health care provider who has
326	326	2 evaluated the individual.
327	327	3 "Visit" means, with respect to health care services
328	328	4 furnished to an individual at a health care facility, health
329	329	5 care services furnished by a provider at the facility, as well
330	330	6 as equipment, devices, telehealth services, imaging services,
331	331	7 laboratory services, and preoperative and postoperative
332	332	8 services regardless of whether the provider furnishing such
333	333	9 services is at the facility.
334	334	10 (b) Emergency services. When a beneficiary, insured, or
335	335	11 enrollee receives emergency services from a nonparticipating
336	336	12 provider or a nonparticipating emergency facility, the health
337	337	13 insurance issuer shall ensure that the beneficiary, insured,
338	338	14 or enrollee shall incur no greater out-of-pocket costs than
339	339	15 the beneficiary, insured, or enrollee would have incurred with
340	340	16 a participating provider or a participating emergency
341	341	17 facility. Any cost-sharing requirements shall be applied as
342	342	18 though the emergency services had been received from a
343	343	19 participating provider or a participating facility. Cost
344	344	20 sharing shall be calculated based on the recognized amount for
345	345	21 the emergency services. If the cost sharing for the same item
346	346	22 or service furnished by a participating provider would have
347	347	23 been a flat-dollar copayment, that amount shall be the
348	348	24 cost-sharing amount unless the provider has billed a lesser
349	349	25 total amount. In no event shall the beneficiary, insured,
350	350	26 enrollee, or any group policyholder or plan sponsor be liable
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361	361	1 to or billed by the health insurance issuer, the
362	362	2 nonparticipating provider, or the nonparticipating emergency
363	363	3 facility for any amount beyond the cost sharing calculated in
364	364	4 accordance with this subsection with respect to the emergency
365	365	5 services delivered. Administrative requirements or limitations
366	366	6 shall be no greater than those applicable to emergency
367	367	7 services received from a participating provider or a
368	368	8 participating emergency facility.
369	369	9 (b-5) Non-emergency services at participating health care
370	370	10 facilities.
371	371	11 (1) When a beneficiary, insured, or enrollee utilizes
372	372	12 a participating health care facility and, due to any
373	373	13 reason, covered ancillary services are provided by a
374	374	14 nonparticipating provider during or resulting from the
375	375	15 visit, the health insurance issuer shall ensure that the
376	376	16 beneficiary, insured, or enrollee shall incur no greater
377	377	17 out-of-pocket costs than the beneficiary, insured, or
378	378	18 enrollee would have incurred with a participating provider
379	379	19 for the ancillary services. Any cost-sharing requirements
380	380	20 shall be applied as though the ancillary services had been
381	381	21 received from a participating provider. Cost sharing shall
382	382	22 be calculated based on the recognized amount for the
383	383	23 ancillary services. If the cost sharing for the same item
384	384	24 or service furnished by a participating provider would
385	385	25 have been a flat-dollar copayment, that amount shall be
386	386	26 the cost-sharing amount unless the provider has billed a
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397	397	1 lesser total amount. In no event shall the beneficiary,
398	398	2 insured, enrollee, or any group policyholder or plan
399	399	3 sponsor be liable to or billed by the health insurance
400	400	4 issuer, the nonparticipating provider, or the
401	401	5 participating health care facility for any amount beyond
402	402	6 the cost sharing calculated in accordance with this
403	403	7 subsection with respect to the ancillary services
404	404	8 delivered. In addition to ancillary services, the
405	405	9 requirements of this paragraph shall also apply with
406	406	10 respect to covered items or services furnished as a result
407	407	11 of unforeseen, urgent medical needs that arise at the time
408	408	12 an item or service is furnished, regardless of whether the
409	409	13 nonparticipating provider satisfied the notice and consent
410	410	14 criteria under paragraph (2) of this subsection.
411	411	15 (2) When a beneficiary, insured, or enrollee utilizes
412	412	16 a participating health care facility and receives
413	413	17 non-emergency covered health care services other than
414	414	18 those described in paragraph (1) of this subsection from a
415	415	19 nonparticipating provider during or resulting from the
416	416	20 visit, the health insurance issuer shall ensure that the
417	417	21 beneficiary, insured, or enrollee incurs no greater
418	418	22 out-of-pocket costs than the beneficiary, insured, or
419	419	23 enrollee would have incurred with a participating provider
420	420	24 unless the nonparticipating provider or the participating
421	421	25 health care facility on behalf of the nonparticipating
422	422	26 provider satisfies the notice and consent criteria
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433	433	1 provided in 42 U.S.C. 300gg-132 and regulations
434	434	2 promulgated thereunder. If the notice and consent criteria
435	435	3 are not satisfied, then:
436	436	4 (A) any cost-sharing requirements shall be applied
437	437	5 as though the health care services had been received
438	438	6 from a participating provider;
439	439	7 (B) cost sharing shall be calculated based on the
440	440	8 recognized amount for the health care services; and
441	441	9 (C) in no event shall the beneficiary, insured,
442	442	10 enrollee, or any group policyholder or plan sponsor be
443	443	11 liable to or billed by the health insurance issuer,
444	444	12 the nonparticipating provider, or the participating
445	445	13 health care facility for any amount beyond the cost
446	446	14 sharing calculated in accordance with this subsection
447	447	15 with respect to the health care services delivered.
448	448	16 (c) Notwithstanding any other provision of this Code,
449	449	17 except when the notice and consent criteria are satisfied for
450	450	18 the situation in paragraph (2) of subsection (b-5), any
451	451	19 benefits a beneficiary, insured, or enrollee receives for
452	452	20 services under the situations in subsection (b) or (b-5) are
453	453	21 assigned to the nonparticipating providers or the facility
454	454	22 acting on their behalf. Upon receipt of the provider's bill or
455	455	23 facility's bill, the health insurance issuer shall provide the
456	456	24 nonparticipating provider or the facility with a written
457	457	25 explanation of benefits that specifies the proposed
458	458	26 reimbursement and the applicable deductible, copayment, or
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469	469	1 coinsurance amounts owed by the insured, beneficiary, or
470	470	2 enrollee. The health insurance issuer shall pay any
471	471	3 reimbursement subject to this Section directly to the
472	472	4 nonparticipating provider or the facility.
473	473	5 (d) For bills assigned under subsection (c), the
474	474	6 nonparticipating provider or the facility may bill the health
475	475	7 insurance issuer for the services rendered, and the health
476	476	8 insurance issuer may pay the billed amount or attempt to
477	477	9 negotiate reimbursement with the nonparticipating provider or
478	478	10 the facility. Within 30 calendar days after the provider or
479	479	11 facility transmits the bill to the health insurance issuer,
480	480	12 the issuer shall send an initial payment or notice of denial of
481	481	13 payment with the written explanation of benefits to the
482	482	14 provider or facility. If attempts to negotiate reimbursement
483	483	15 for services provided by a nonparticipating provider do not
484	484	16 result in a resolution of the payment dispute within 30 days
485	485	17 after receipt of written explanation of benefits by the health
486	486	18 insurance issuer, then the health insurance issuer or
487	487	19 nonparticipating provider or the facility may initiate binding
488	488	20 arbitration to determine payment for services provided on a
489	489	21 per-bill basis. The party requesting arbitration shall notify
490	490	22 the other party arbitration has been initiated and state its
491	491	23 final offer before arbitration. In response to this notice,
492	492	24 the nonrequesting party shall inform the requesting party of
493	493	25 its final offer before the arbitration occurs. Arbitration
494	494	26 shall be initiated by filing a request with the Department of
495	495
496	496
497	497
498	498
499	499
500	500	SB0241 - 13 - LRB103 27273 BMS 53644 b
501	501
502	502
503	503	SB0241- 14 -LRB103 27273 BMS 53644 b SB0241 - 14 - LRB103 27273 BMS 53644 b
504	504	SB0241 - 14 - LRB103 27273 BMS 53644 b
505	505	1 Insurance.
506	506	2 (e) The Department of Insurance shall publish a list of
507	507	3 approved arbitrators or entities that shall provide binding
508	508	4 arbitration. These arbitrators shall be American Arbitration
509	509	5 Association or American Health Lawyers Association trained
510	510	6 arbitrators. Both parties must agree on an arbitrator from the
511	511	7 Department of Insurance's or its approved entity's list of
512	512	8 arbitrators. If no agreement can be reached, then a list of 5
513	513	9 arbitrators shall be provided by the Department of Insurance
514	514	10 or the approved entity. From the list of 5 arbitrators, the
515	515	11 health insurance issuer can veto 2 arbitrators and the
516	516	12 provider or facility can veto 2 arbitrators. The remaining
517	517	13 arbitrator shall be the chosen arbitrator. This arbitration
518	518	14 shall consist of a review of the written submissions by both
519	519	15 parties. The arbitrator shall not establish a rebuttable
520	520	16 presumption that the qualifying payment amount should be the
521	521	17 total amount owed to the provider or facility by the
522	522	18 combination of the issuer and the insured, beneficiary, or
523	523	19 enrollee. Binding arbitration shall provide for a written
524	524	20 decision within 45 days after the request is filed with the
525	525	21 Department of Insurance. Both parties shall be bound by the
526	526	22 arbitrator's decision. The arbitrator's expenses and fees,
527	527	23 together with other expenses, not including attorney's fees,
528	528	24 incurred in the conduct of the arbitration, shall be paid as
529	529	25 provided in the decision.
530	530	26 (f) (Blank).
531	531
532	532
533	533
534	534
535	535
536	536	SB0241 - 14 - LRB103 27273 BMS 53644 b
537	537
538	538
539	539	SB0241- 15 -LRB103 27273 BMS 53644 b SB0241 - 15 - LRB103 27273 BMS 53644 b
540	540	SB0241 - 15 - LRB103 27273 BMS 53644 b
541	541	1 (g) Section 368a of this Act shall not apply during the
542	542	2 pendency of a decision under subsection (d). Upon the issuance
543	543	3 of the arbitrator's decision, Section 368a applies with
544	544	4 respect to the amount, if any, by which the arbitrator's
545	545	5 determination exceeds the issuer's initial payment under
546	546	6 subsection (c), or the entire amount of the arbitrator's
547	547	7 determination if initial payment was denied. Any interest
548	548	8 required to be paid to a provider under Section 368a shall not
549	549	9 accrue until after 30 days of an arbitrator's decision as
550	550	10 provided in subsection (d), but in no circumstances longer
551	551	11 than 150 days from the date the nonparticipating
552	552	12 facility-based provider billed for services rendered.
553	553	13 (h) Nothing in this Section shall be interpreted to change
554	554	14 the prudent layperson provisions with respect to emergency
555	555	15 services under the Managed Care Reform and Patient Rights Act.
556	556	16 (i) Nothing in this Section shall preclude a health care
557	557	17 provider from billing a beneficiary, insured, or enrollee for
558	558	18 reasonable administrative fees, such as service fees for
559	559	19 checks returned for nonsufficient funds and missed
560	560	20 appointments.
561	561	21 (j) Nothing in this Section shall preclude a beneficiary,
562	562	22 insured, or enrollee from assigning benefits to a
563	563	23 nonparticipating provider when the notice and consent criteria
564	564	24 are satisfied under paragraph (2) of subsection (b-5) or in
565	565	25 any other situation not described in subsection (b) or (b-5).
566	566	26 (k) Except when the notice and consent criteria are
567	567
568	568
569	569
570	570
571	571
572	572	SB0241 - 15 - LRB103 27273 BMS 53644 b
573	573
574	574
575	575	SB0241- 16 -LRB103 27273 BMS 53644 b SB0241 - 16 - LRB103 27273 BMS 53644 b
576	576	SB0241 - 16 - LRB103 27273 BMS 53644 b
577	577	1 satisfied under paragraph (2) of subsection (b-5), if an
578	578	2 individual receives health care services under the situations
579	579	3 described in subsection (b) or (b-5), no referral requirement
580	580	4 or any other provision contained in the policy or certificate
581	581	5 of coverage shall deny coverage, reduce benefits, or otherwise
582	582	6 defeat the requirements of this Section for services that
583	583	7 would have been covered with a participating provider.
584	584	8 However, this subsection shall not be construed to preclude a
585	585	9 provider contract with a health insurance issuer, or with an
586	586	10 administrator or similar entity acting on the issuer's behalf,
587	587	11 from imposing requirements on the participating provider,
588	588	12 participating emergency facility, or participating health care
589	589	13 facility relating to the referral of covered individuals to
590	590	14 nonparticipating providers.
591	591	15 (l) Except if the notice and consent criteria are
592	592	16 satisfied under paragraph (2) of subsection (b-5),
593	593	17 cost-sharing amounts calculated in conformity with this
594	594	18 Section shall count toward any deductible or out-of-pocket
595	595	19 maximum applicable to in-network coverage.
596	596	20 (m) The Department has the authority to enforce the
597	597	21 requirements of this Section in the situations described in
598	598	22 subsections (b) and (b-5), and in any other situation for
599	599	23 which 42 U.S.C. Chapter 6A, Subchapter XXV, Parts D or E and
600	600	24 regulations promulgated thereunder would prohibit an
601	601	25 individual from being billed or liable for emergency services
602	602	26 furnished by a nonparticipating provider or nonparticipating
603	603
604	604
605	605
606	606
607	607
608	608	SB0241 - 16 - LRB103 27273 BMS 53644 b
609	609
610	610
611	611	SB0241- 17 -LRB103 27273 BMS 53644 b SB0241 - 17 - LRB103 27273 BMS 53644 b
612	612	SB0241 - 17 - LRB103 27273 BMS 53644 b
613	613	1 emergency facility or for non-emergency health care services
614	614	2 furnished by a nonparticipating provider at a participating
615	615	3 health care facility.
616	616	4 (n) This Section does not apply with respect to air
617	617	5 ambulance or ground ambulance services. This Section does not
618	618	6 apply to any policy of excepted benefits or to short-term,
619	619	7 limited-duration health insurance coverage.
620	620	8 (Source: P.A. 102-901, eff. 7-1-22; 102-1117, eff. 1-13-23.)
621	621	9 Section 10. The Network Adequacy and Transparency Act is
622	622	10 amended by changing Section 10 as follows:
623	623	11 (215 ILCS 124/10)
624	624	12 Sec. 10. Network adequacy.
625	625	13 (a) An insurer providing a network plan shall file a
626	626	14 description of all of the following with the Director:
627	627	15 (1) The written policies and procedures for adding
628	628	16 providers to meet patient needs based on increases in the
629	629	17 number of beneficiaries, changes in the
630	630	18 patient-to-provider ratio, changes in medical and health
631	631	19 care capabilities, and increased demand for services.
632	632	20 (2) The written policies and procedures for making
633	633	21 referrals within and outside the network.
634	634	22 (3) The written policies and procedures on how the
635	635	23 network plan will provide 24-hour, 7-day per week access
636	636	24 to network-affiliated primary care, emergency services,
637	637
638	638
639	639
640	640
641	641
642	642	SB0241 - 17 - LRB103 27273 BMS 53644 b
643	643
644	644
645	645	SB0241- 18 -LRB103 27273 BMS 53644 b SB0241 - 18 - LRB103 27273 BMS 53644 b
646	646	SB0241 - 18 - LRB103 27273 BMS 53644 b
647	647	1 reproductive health care, and women's principal health
648	648	2 care providers.
649	649	3 An insurer shall not prohibit a preferred provider from
650	650	4 discussing any specific or all treatment options with
651	651	5 beneficiaries irrespective of the insurer's position on those
652	652	6 treatment options or from advocating on behalf of
653	653	7 beneficiaries within the utilization review, grievance, or
654	654	8 appeals processes established by the insurer in accordance
655	655	9 with any rights or remedies available under applicable State
656	656	10 or federal law.
657	657	11 (b) Insurers must file for review a description of the
658	658	12 services to be offered through a network plan. The description
659	659	13 shall include all of the following:
660	660	14 (1) A geographic map of the area proposed to be served
661	661	15 by the plan by county service area and zip code, including
662	662	16 marked locations for preferred providers.
663	663	17 (2) As deemed necessary by the Department, the names,
664	664	18 addresses, phone numbers, and specialties of the providers
665	665	19 who have entered into preferred provider agreements under
666	666	20 the network plan.
667	667	21 (3) The number of beneficiaries anticipated to be
668	668	22 covered by the network plan.
669	669	23 (4) An Internet website and toll-free telephone number
670	670	24 for beneficiaries and prospective beneficiaries to access
671	671	25 current and accurate lists of preferred providers,
672	672	26 additional information about the plan, as well as any
673	673
674	674
675	675
676	676
677	677
678	678	SB0241 - 18 - LRB103 27273 BMS 53644 b
679	679
680	680
681	681	SB0241- 19 -LRB103 27273 BMS 53644 b SB0241 - 19 - LRB103 27273 BMS 53644 b
682	682	SB0241 - 19 - LRB103 27273 BMS 53644 b
683	683	1 other information required by Department rule.
684	684	2 (5) A description of how health care services to be
685	685	3 rendered under the network plan are reasonably accessible
686	686	4 and available to beneficiaries. The description shall
687	687	5 address all of the following:
688	688	6 (A) the type of health care services to be
689	689	7 provided by the network plan;
690	690	8 (B) the ratio of physicians and other providers to
691	691	9 beneficiaries, by specialty and including primary care
692	692	10 physicians and facility-based physicians when
693	693	11 applicable under the contract, necessary to meet the
694	694	12 health care needs and service demands of the currently
695	695	13 enrolled population;
696	696	14 (C) the travel and distance standards for plan
697	697	15 beneficiaries in county service areas; and
698	698	16 (D) a description of how the use of telemedicine,
699	699	17 telehealth, or mobile care services may be used to
700	700	18 partially meet the network adequacy standards, if
701	701	19 applicable.
702	702	20 (6) A provision ensuring that whenever a beneficiary
703	703	21 has made a good faith effort, as evidenced by accessing
704	704	22 the provider directory, calling the network plan, and
705	705	23 calling the provider, to utilize preferred providers for a
706	706	24 covered service and it is determined the insurer does not
707	707	25 have the appropriate preferred providers due to
708	708	26 insufficient number, type, unreasonable travel distance or
709	709
710	710
711	711
712	712
713	713
714	714	SB0241 - 19 - LRB103 27273 BMS 53644 b
715	715
716	716
717	717	SB0241- 20 -LRB103 27273 BMS 53644 b SB0241 - 20 - LRB103 27273 BMS 53644 b
718	718	SB0241 - 20 - LRB103 27273 BMS 53644 b
719	719	1 delay, or preferred providers refusing to provide a
720	720	2 covered service because it is contrary to the conscience
721	721	3 of the preferred providers, as protected by the Health
722	722	4 Care Right of Conscience Act, the insurer shall ensure,
723	723	5 directly or indirectly, by terms contained in the payer
724	724	6 contract, that the beneficiary will be provided the
725	725	7 covered service at no greater cost to the beneficiary than
726	726	8 if the service had been provided by a preferred provider.
727	727	9 This paragraph (6) does not apply to: (A) a beneficiary
728	728	10 who willfully chooses to access a non-preferred provider
729	729	11 for health care services available through the panel of
730	730	12 preferred providers, or (B) a beneficiary enrolled in a
731	731	13 health maintenance organization. In these circumstances,
732	732	14 the contractual requirements for non-preferred provider
733	733	15 reimbursements shall apply unless Section 356z.3a of the
734	734	16 Illinois Insurance Code requires otherwise. In no event
735	735	17 shall a beneficiary who receives care at a participating
736	736	18 health care facility be required to search for
737	737	19 participating providers under the circumstances described
738	738	20 in subsection (b) or (b-5) of Section 356z.3a of the
739	739	21 Illinois Insurance Code except under the circumstances
740	740	22 described in paragraph (2) of subsection (b-5).
741	741	23 (7) A provision that the beneficiary shall receive
742	742	24 emergency care coverage such that payment for this
743	743	25 coverage is not dependent upon whether the emergency
744	744	26 services are performed by a preferred or non-preferred
745	745
746	746
747	747
748	748
749	749
750	750	SB0241 - 20 - LRB103 27273 BMS 53644 b
751	751
752	752
753	753	SB0241- 21 -LRB103 27273 BMS 53644 b SB0241 - 21 - LRB103 27273 BMS 53644 b
754	754	SB0241 - 21 - LRB103 27273 BMS 53644 b
755	755	1 provider and the coverage shall be at the same benefit
756	756	2 level as if the service or treatment had been rendered by a
757	757	3 preferred provider. For purposes of this paragraph (7),
758	758	4 "the same benefit level" means that the beneficiary is
759	759	5 provided the covered service at no greater cost to the
760	760	6 beneficiary than if the service had been provided by a
761	761	7 preferred provider. This provision shall be consistent
762	762	8 with Section 356z.3a of the Illinois Insurance Code.
763	763	9 (8) A limitation that, if the plan provides that the
764	764	10 beneficiary will incur a penalty for failing to
765	765	11 pre-certify inpatient hospital treatment, the penalty may
766	766	12 not exceed $1,000 per occurrence in addition to the plan
767	767	13 cost sharing provisions.
768	768	14 (c) The network plan shall demonstrate to the Director a
769	769	15 minimum ratio of providers to plan beneficiaries as required
770	770	16 by the Department.
771	771	17 (1) The ratio of physicians or other providers to plan
772	772	18 beneficiaries shall be established annually by the
773	773	19 Department in consultation with the Department of Public
774	774	20 Health based upon the guidance from the federal Centers
775	775	21 for Medicare and Medicaid Services. The Department shall
776	776	22 not establish ratios for vision or dental providers who
777	777	23 provide services under dental-specific or vision-specific
778	778	24 benefits. The Department shall consider establishing
779	779	25 ratios for the following physicians or other providers:
780	780	26 (A) Primary Care;
781	781
782	782
783	783
784	784
785	785
786	786	SB0241 - 21 - LRB103 27273 BMS 53644 b
787	787
788	788
789	789	SB0241- 22 -LRB103 27273 BMS 53644 b SB0241 - 22 - LRB103 27273 BMS 53644 b
790	790	SB0241 - 22 - LRB103 27273 BMS 53644 b
791	791	1 (B) Pediatrics;
792	792	2 (C) Cardiology;
793	793	3 (D) Gastroenterology;
794	794	4 (E) General Surgery;
795	795	5 (F) Neurology;
796	796	6 (G) OB/GYN;
797	797	7 (H) Oncology/Radiation;
798	798	8 (I) Ophthalmology;
799	799	9 (J) Urology;
800	800	10 (K) Behavioral Health;
801	801	11 (L) Allergy/Immunology;
802	802	12 (M) Chiropractic;
803	803	13 (N) Dermatology;
804	804	14 (O) Endocrinology;
805	805	15 (P) Ears, Nose, and Throat (ENT)/Otolaryngology;
806	806	16 (Q) Infectious Disease;
807	807	17 (R) Nephrology;
808	808	18 (S) Neurosurgery;
809	809	19 (T) Orthopedic Surgery;
810	810	20 (U) Physiatry/Rehabilitative;
811	811	21 (V) Plastic Surgery;
812	812	22 (W) Pulmonary;
813	813	23 (X) Rheumatology;
814	814	24 (Y) Anesthesiology;
815	815	25 (Z) Pain Medicine;
816	816	26 (AA) Pediatric Specialty Services;
817	817
818	818
819	819
820	820
821	821
822	822	SB0241 - 22 - LRB103 27273 BMS 53644 b
823	823
824	824
825	825	SB0241- 23 -LRB103 27273 BMS 53644 b SB0241 - 23 - LRB103 27273 BMS 53644 b
826	826	SB0241 - 23 - LRB103 27273 BMS 53644 b
827	827	1 (BB) Outpatient Dialysis; and
828	828	2 (CC) HIV; and .
829	829	3 (DD) Reproductive Health Care.
830	830	4 (2) The Director shall establish a process for the
831	831	5 review of the adequacy of these standards, along with an
832	832	6 assessment of additional specialties to be included in the
833	833	7 list under this subsection (c).
834	834	8 (d) The network plan shall demonstrate to the Director
835	835	9 maximum travel and distance standards for plan beneficiaries,
836	836	10 which shall be established annually by the Department in
837	837	11 consultation with the Department of Public Health based upon
838	838	12 the guidance from the federal Centers for Medicare and
839	839	13 Medicaid Services. These standards shall consist of the
840	840	14 maximum minutes or miles to be traveled by a plan beneficiary
841	841	15 for each county type, such as large counties, metro counties,
842	842	16 or rural counties as defined by Department rule.
843	843	17 The maximum travel time and distance standards must
844	844	18 include standards for each physician and other provider
845	845	19 category listed for which ratios have been established.
846	846	20 The Director shall establish a process for the review of
847	847	21 the adequacy of these standards along with an assessment of
848	848	22 additional specialties to be included in the list under this
849	849	23 subsection (d).
850	850	24 (d-5)(1) Every insurer shall ensure that beneficiaries
851	851	25 have timely and proximate access to treatment for mental,
852	852	26 emotional, nervous, or substance use disorders or conditions
853	853
854	854
855	855
856	856
857	857
858	858	SB0241 - 23 - LRB103 27273 BMS 53644 b
859	859
860	860
861	861	SB0241- 24 -LRB103 27273 BMS 53644 b SB0241 - 24 - LRB103 27273 BMS 53644 b
862	862	SB0241 - 24 - LRB103 27273 BMS 53644 b
863	863	1 in accordance with the provisions of paragraph (4) of
864	864	2 subsection (a) of Section 370c of the Illinois Insurance Code.
865	865	3 Insurers shall use a comparable process, strategy, evidentiary
866	866	4 standard, and other factors in the development and application
867	867	5 of the network adequacy standards for timely and proximate
868	868	6 access to treatment for mental, emotional, nervous, or
869	869	7 substance use disorders or conditions and those for the access
870	870	8 to treatment for medical and surgical conditions. As such, the
871	871	9 network adequacy standards for timely and proximate access
872	872	10 shall equally be applied to treatment facilities and providers
873	873	11 for mental, emotional, nervous, or substance use disorders or
874	874	12 conditions and specialists providing medical or surgical
875	875	13 benefits pursuant to the parity requirements of Section 370c.1
876	876	14 of the Illinois Insurance Code and the federal Paul Wellstone
877	877	15 and Pete Domenici Mental Health Parity and Addiction Equity
878	878	16 Act of 2008. Notwithstanding the foregoing, the network
879	879	17 adequacy standards for timely and proximate access to
880	880	18 treatment for mental, emotional, nervous, or substance use
881	881	19 disorders or conditions shall, at a minimum, satisfy the
882	882	20 following requirements:
883	883	21 (A) For beneficiaries residing in the metropolitan
884	884	22 counties of Cook, DuPage, Kane, Lake, McHenry, and Will,
885	885	23 network adequacy standards for timely and proximate access
886	886	24 to treatment for mental, emotional, nervous, or substance
887	887	25 use disorders or conditions means a beneficiary shall not
888	888	26 have to travel longer than 30 minutes or 30 miles from the
889	889
890	890
891	891
892	892
893	893
894	894	SB0241 - 24 - LRB103 27273 BMS 53644 b
895	895
896	896
897	897	SB0241- 25 -LRB103 27273 BMS 53644 b SB0241 - 25 - LRB103 27273 BMS 53644 b
898	898	SB0241 - 25 - LRB103 27273 BMS 53644 b
899	899	1 beneficiary's residence to receive outpatient treatment
900	900	2 for mental, emotional, nervous, or substance use disorders
901	901	3 or conditions. Beneficiaries shall not be required to wait
902	902	4 longer than 10 business days between requesting an initial
903	903	5 appointment and being seen by the facility or provider of
904	904	6 mental, emotional, nervous, or substance use disorders or
905	905	7 conditions for outpatient treatment or to wait longer than
906	906	8 20 business days between requesting a repeat or follow-up
907	907	9 appointment and being seen by the facility or provider of
908	908	10 mental, emotional, nervous, or substance use disorders or
909	909	11 conditions for outpatient treatment; however, subject to
910	910	12 the protections of paragraph (3) of this subsection, a
911	911	13 network plan shall not be held responsible if the
912	912	14 beneficiary or provider voluntarily chooses to schedule an
913	913	15 appointment outside of these required time frames.
914	914	16 (B) For beneficiaries residing in Illinois counties
915	915	17 other than those counties listed in subparagraph (A) of
916	916	18 this paragraph, network adequacy standards for timely and
917	917	19 proximate access to treatment for mental, emotional,
918	918	20 nervous, or substance use disorders or conditions means a
919	919	21 beneficiary shall not have to travel longer than 60
920	920	22 minutes or 60 miles from the beneficiary's residence to
921	921	23 receive outpatient treatment for mental, emotional,
922	922	24 nervous, or substance use disorders or conditions.
923	923	25 Beneficiaries shall not be required to wait longer than 10
924	924	26 business days between requesting an initial appointment
925	925
926	926
927	927
928	928
929	929
930	930	SB0241 - 25 - LRB103 27273 BMS 53644 b
931	931
932	932
933	933	SB0241- 26 -LRB103 27273 BMS 53644 b SB0241 - 26 - LRB103 27273 BMS 53644 b
934	934	SB0241 - 26 - LRB103 27273 BMS 53644 b
935	935	1 and being seen by the facility or provider of mental,
936	936	2 emotional, nervous, or substance use disorders or
937	937	3 conditions for outpatient treatment or to wait longer than
938	938	4 20 business days between requesting a repeat or follow-up
939	939	5 appointment and being seen by the facility or provider of
940	940	6 mental, emotional, nervous, or substance use disorders or
941	941	7 conditions for outpatient treatment; however, subject to
942	942	8 the protections of paragraph (3) of this subsection, a
943	943	9 network plan shall not be held responsible if the
944	944	10 beneficiary or provider voluntarily chooses to schedule an
945	945	11 appointment outside of these required time frames.
946	946	12 (2) For beneficiaries residing in all Illinois counties,
947	947	13 network adequacy standards for timely and proximate access to
948	948	14 treatment for mental, emotional, nervous, or substance use
949	949	15 disorders or conditions means a beneficiary shall not have to
950	950	16 travel longer than 60 minutes or 60 miles from the
951	951	17 beneficiary's residence to receive inpatient or residential
952	952	18 treatment for mental, emotional, nervous, or substance use
953	953	19 disorders or conditions.
954	954	20 (3) If there is no in-network facility or provider
955	955	21 available for a beneficiary to receive timely and proximate
956	956	22 access to treatment for mental, emotional, nervous, or
957	957	23 substance use disorders or conditions in accordance with the
958	958	24 network adequacy standards outlined in this subsection, the
959	959	25 insurer shall provide necessary exceptions to its network to
960	960	26 ensure admission and treatment with a provider or at a
961	961
962	962
963	963
964	964
965	965
966	966	SB0241 - 26 - LRB103 27273 BMS 53644 b
967	967
968	968
969	969	SB0241- 27 -LRB103 27273 BMS 53644 b SB0241 - 27 - LRB103 27273 BMS 53644 b
970	970	SB0241 - 27 - LRB103 27273 BMS 53644 b
971	971	1 treatment facility in accordance with the network adequacy
972	972	2 standards in this subsection.
973	973	3 (e) Except for network plans solely offered as a group
974	974	4 health plan, these ratio and time and distance standards apply
975	975	5 to the lowest cost-sharing tier of any tiered network.
976	976	6 (f) The network plan may consider use of other health care
977	977	7 service delivery options, such as telemedicine or telehealth,
978	978	8 mobile clinics, and centers of excellence, or other ways of
979	979	9 delivering care to partially meet the requirements set under
980	980	10 this Section.
981	981	11 (g) Except for the requirements set forth in subsection
982	982	12 (d-5), insurers who are not able to comply with the provider
983	983	13 ratios and time and distance standards established by the
984	984	14 Department may request an exception to these requirements from
985	985	15 the Department. The Department may grant an exception in the
986	986	16 following circumstances:
987	987	17 (1) if no providers or facilities meet the specific
988	988	18 time and distance standard in a specific service area and
989	989	19 the insurer (i) discloses information on the distance and
990	990	20 travel time points that beneficiaries would have to travel
991	991	21 beyond the required criterion to reach the next closest
992	992	22 contracted provider outside of the service area and (ii)
993	993	23 provides contact information, including names, addresses,
994	994	24 and phone numbers for the next closest contracted provider
995	995	25 or facility;
996	996	26 (2) if patterns of care in the service area do not
997	997
998	998
999	999
1000	1000
1001	1001
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1003	1003
1004	1004
1005	1005	SB0241- 28 -LRB103 27273 BMS 53644 b SB0241 - 28 - LRB103 27273 BMS 53644 b
1006	1006	SB0241 - 28 - LRB103 27273 BMS 53644 b
1007	1007	1 support the need for the requested number of provider or
1008	1008	2 facility type and the insurer provides data on local
1009	1009	3 patterns of care, such as claims data, referral patterns,
1010	1010	4 or local provider interviews, indicating where the
1011	1011	5 beneficiaries currently seek this type of care or where
1012	1012	6 the physicians currently refer beneficiaries, or both; or
1013	1013	7 (3) other circumstances deemed appropriate by the
1014	1014	8 Department consistent with the requirements of this Act.
1015	1015	9 (h) Insurers are required to report to the Director any
1016	1016	10 material change to an approved network plan within 15 days
1017	1017	11 after the change occurs and any change that would result in
1018	1018	12 failure to meet the requirements of this Act. Upon notice from
1019	1019	13 the insurer, the Director shall reevaluate the network plan's
1020	1020	14 compliance with the network adequacy and transparency
1021	1021	15 standards of this Act.
1022	1022	16 (Source: P.A. 102-144, eff. 1-1-22; 102-901, eff. 7-1-22;
1023	1023	17 102-1117, eff. 1-13-23.)
1024	1024	18 Section 99. Effective date. This Act takes effect July 1,
1025	1025	19 2024, except that the changes to Section 356z.3 of the
1026	1026	20 Illinois Insurance Code take effect January 1, 2025.
1027	1027
1028	1028
1029	1029
1030	1030
1031	1031
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