The original instrument and the following digest, which constitutes no part of the
legislative instrument, were prepared by Cheryl Horne.
DIGEST
Morrish (SB 244)
Present law provides that no policy of health and accident insurance shall be delivered or issued
for delivery in this state, nor any endorsement, rider, or application that becomes part of any such
policy be used in connection therewith until a copy of the form and premium rates and the
classifications of risks pertaining thereto have been filed with the commissioner of insurance.
Requires the commissioner to provide written notification to the insurer that has filed the form if
it does not comply with provisions of present law. Upon such notice, it is unlawful for such
insurer to issue such form in this state. Permits an aggrieved party affected by the
commissioner's act to demand a hearing in accordance with present law.
Present law permits the commissioner to withdraw his approval of any such form on any of the
grounds stated in present law. Provides that shall be unlawful for the insurer to issue such form
or use it in connection with any policy after the effective date of such withdrawal of approval.
Prohibits the commissioner from disapproving or withdrawing the approval of any such policy on
the ground that its provisions do not comply with health and accident policy provision
requirements as stated in present law or on the ground that it is not printed in uniform type if it
can be shown that the rights of the insured or beneficiary under the policy as a whole are not less
favorable than the rights provided in present law.
Proposed law exempts all policy form and premium rates filed with the commissioner from
disclosure to any person under the Public Records Law. This exemption from disclosure remains
in effect until the policy form and premium rates are released by the health insurance issuer by
offering these products for sale to the public.
Effective August 1, 2014.
(Amends R.S. 44:4.1(B)(11); adds R.S.22:972(D))