Connecticut Senate Bill SB00977

Connecticut 2019 Regular Session

• Introduced: 2/28/19
• Refer: 2/28/19
• Report Pass: 3/19/19
• Refer: 3/28/19
• Report Pass: 4/3/19
• Engrossed: 4/24/19
• Report Pass: 4/26/19

Caption

An Act Concerning Explanations Of Benefits.

Impact

If enacted, SB00977 will significantly alter the landscape of health insurance practices within the state. By holding insurers accountable for clear communication regarding policy details, the bill supports consumers in navigating the often-complex information related to their benefits. This change intends to minimize confusion amongst policyholders regarding what is covered and the associated costs, ultimately aiming to foster greater trust in health insurance systems. Furthermore, the bill includes protections that prevent insurers from requiring consumers to waive their rights concerning disclosure, reinforcing consumer empowerment and control over their information.

Summary

Senate Bill 00977 seeks to enhance the transparency of health insurance policies by mandating that insurers and other relevant entities provide clear and comprehensive explanations of benefits to consumers. The bill stipulates that these explanations must be easily accessible, readable, and understandable while outlining crucial details such as coverage exclusions, coinsurance and copayment amounts, as well as the mechanisms available for seeking coverage on non-covered benefits. In doing so, the bill aims to empower consumers with the necessary information to make informed decisions about their healthcare options.

Sentiment

The sentiment surrounding SB00977 appears largely positive, particularly among consumer advocacy groups who have long championed for increased transparency in health insurance policies. Proponents argue that clearer explanations of benefits can lead to a better-informed public capable of making more educated decisions about their healthcare. However, there are concerns from some insurance representatives about potential administrative burdens and the feasibility of implementing standardized disclosures across various platforms and mediums.

Contention

Notable points of contention in discussions surrounding SB00977 include concerns regarding the burden on insurance companies to meet the new requirements, especially the technological demands for providing information in accessible formats. There is also skepticism about how effectively the bill can translate into improved consumer understanding, as some may remain overwhelmed by complex healthcare terminologies regardless of simplification efforts. Balancing the interests of consumers and insurers in enforcing these changes remains a critical aspect of the ongoing debate.