HLS 19RS-893 REENGROSSED
2019 Regular Session
HOUSE BILL NO. 408
BY REPRESENTATIVE DAVIS
Prefiled pursuant to Article III, Section 2(A)(4)(b)(i) of the Constitution of Louisiana.
INSURANCE/HEALTH: Provides relative to group health insurance renewals
1 AN ACT
2To amend and reenact R.S. 22:978(D), relative to renewals of group health insurance
3 policies; to provide for group policy renewal; to require notice of premium rates or
4 renewal costs; to require the insurer to provide data on utilization, paid claims, and
5 premiums; and to provide for related matters.
6Be it enacted by the Legislature of Louisiana:
7 Section 1. R.S. 22:978(D) is hereby amended and reenacted to read as follows:
8 ยง978. Group, family group, blanket, and association health and accident insurance;
9 notice required for certain premium increase, cancellation, or nonrenewal
10 * * *
11 D.(1) At least ninety days prior to the date on which a group policy is to be
12 renewed or terminated, every health insurance issuer providing coverage to an a
13 large employer group, as defined in R.S. 22:1061, comprising more than one hundred
14 enrolled employees shall provide the employer group with, or make available
15 electronically, information as to the premium rate or amount to be paid to renew the
16 group policy for the next policy year. The health insurance issuer shall make the
17 information available to the employer group or to the employer group's appointed
18 insurance agent or broker.
19 (2) No later than eighty days prior to the date of renewal or termination, the
20 employer group may make written request, by certified mail, to the group insurance
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1 issuer for The group insurance issuer shall make available on a monthly basis the
2 currently available utilization data and aggregate paid claims and premium data
3 accumulated for the period of the current policy year. This data shall be made
4 available to both the employer group and the employer group's appointed insurance
5 agent or broker. The Upon request by the employer group or its agent or broker, the
6 health insurance issuer shall provide this data to the employer group or the agent or
7 broker within fourteen business days of receipt of the initial request and monthly
8 thereafter.
9 * * *
DIGEST
The digest printed below was prepared by House Legislative Services. It constitutes no part
of the legislative instrument. The keyword, one-liner, abstract, and digest do not constitute
part of the law or proof or indicia of legislative intent. [R.S. 1:13(B) and 24:177(E)]
HB 408 Reengrossed 2019 Regular Session Davis
Abstract: Requires every health insurance issuer to provide group policy cost data to all
large employer groups who have employees enrolled for coverage.
Present law requires insurers to provide notice of policy renewals to employer groups who
are comprised of 100 or more enrolled employees.
Proposed law expands present law to require insurers to provide notice of policy renewals
to all large employer groups, as defined by present law, who have employees enrolled for
insurance coverage or to the employer group's appointed insurance agent or broker.
Present law authorizes an employer group, no later than 80 days prior to the date of renewal
or termination, to make written request, by certified mail, to the group insurance issuer for
the currently available utilization data and aggregate paid claims and premium data
accumulated for the period of the current policy year and requires the health insurance issuer
to provide this data, to the employer group or the employer group's appointed insurance
agent or broker within 14 business days of receipt of the request.
Proposed law requires the group insurance issuer to provide, upon request by the employer
group or the employer group's appointed insurance agent or broker, the currently available
utilization data and aggregate paid claims and premium data accumulated for the period of
the current policy year to the employer group or the agent or broker within 14 business days
of receipt of the initial request and monthly thereafter.
(Amends R.S. 22:978(D))
Summary of Amendments Adopted by House
The Committee Amendments Proposed by House Committee on Insurance to the
original bill:
1. Limit the applicability to large group policies.
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HB NO. 408
2. Require the insurer to provide data on utilization, paid claims, and premiums on
a monthly basis.
The House Floor Amendments to the engrossed bill:
1. Authorize the health insurance insurer to make renewal information available
electronically.
2. Require the health insurance issuer to make the renewal information available to
the employer group or to the employer group's appointed insurance agent or
broker.
3. Provide that the claims data information will be made available upon request of
the employer group or its agent or broker.
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CODING: Words in struck through type are deletions from existing law; words underscored
are additions.