Video & Transcript DataContr Research : 'insurance coverage'

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TX

Texas 2025 - 89th Regular

Insurance May 7th, 2025 at 08:05 am

House Insurance Committee

Transcript Highlights:
  • Medical insurance provides general anesthesia coverage for other medically necessary procedures, so it
  • It makes sense to provide insurance coverage for this much-needed care.
  • And that's the person that's seeking to find insurance coverage, correct?
  • from a prior insurance company?"
  • SB 1307 instructs the Texas Department of Insurance (TDI) to create a health insurance reference guide
Summary: The meeting of the House Committee on Insurance centered around numerous healthcare-related bills, focusing heavily on issues such as artificial intelligence (AI) in medical determinations, autism insurance coverage, and HIV prevention. Representative Garcia Hernandez presented HB4635, aiming to ensure transparency in the use of AI in medical claim denials, which has become increasingly prevalent. The bill introduces mandates for disclosures on AI algorithms used in decisions, enhancing patient rights and keeping the Texas Department of Insurance informed of potential denials. Public testimony supported the bill as essential for safeguarding Texans from unintended biases in AI applications. Additionally, HB813, presented by Representative Goodwin, garnered attention for its effort to update autism-related insurance mandates, removing outdated age restrictions for therapy coverage. This legislation is seen as a crucial step in accommodating the needs of all individuals on the autism spectrum, regardless of the timing of their diagnosis.
TX

Texas 2025 - 89th Regular

Insurance Apr 9th, 2025 at 08:00 am

House Insurance Committee

Transcript Highlights:
  • I just tell the patient to get on the phone and call the insurance company because what the insurers.
  • The first thing is with the other disclosures that are required that an insurer provide to an insured
  • For some insurers, there's no impact.
  • Again, not all insurers do this—some very large insurers...
  • However, Texas requires insurance providers to charge co-pays, deductibles, and co-insurance for yearly
Summary: The meeting of the committee included discussions concerning various bills primarily related to insurance policies, their regulations, and procedures. Notably, HB3812 was introduced to further streamline the prior authorization process in healthcare, enhancing the ease for practitioners to receive approvals for common procedures. The committee also deliberated over HB2213, which focused on the restructuring of the board of directors for the Texas Windstorm Insurance Association, and there was broad consensus to move it forward. Several other bills, such as HB2518, addressing installment premium payment plans for windstorm insurance, were also discussed and moved to be reported favorably without amendments.
TX

Texas 2025 - 89th Regular

Insurance Apr 23rd, 2025 at 08:04 am

House Insurance Committee

Transcript Highlights:
  • It seeks to activate health insurance coverage during these instances.
  • The current insurance statute requiring coverage of certain therapies, testing, and treatment for acquired
  • I have been an insurance-based provider, with 98% of my clientele billed through insurance.
  • We're seeing increased rates and reduced coverage from private insurance.
  • If title insurance rates, which are set by the Texas Department of Insurance, are only updated every
Summary: The House Committee on Insurance meeting covered multiple bills focused on healthcare regulations and patient accessibility. Notably, House Bill 3057 was highlighted in testimony from citizens advocating for expanded access to CAR T-cell therapy, which has shown effectiveness for blood cancers. Testimonies were given by affected individuals, emphasizing the need for local treatment options without the burden of travel to distant medical facilities. Similarly, House Bill 4603 was laid out with the intent to align arbitration options and ensure that consumers receive timely resolutions in disputed medical charges. Overall, the committee demonstrated an active engagement with the public and various stakeholders while navigating key issues affecting health insurance and patient care in Texas.
TX

Texas 2025 - 89th Regular

Insurance Apr 23rd, 2025 at 10:04 am

House Insurance Committee

Transcript Highlights:
  • I am licensed by the Texas Department of Insurance and other state departments of insurance as a public
  • insurance adjuster.
  • Today's Texas Department of Insurance suggests the insured check their policy to see if it has that right
  • Right, obviously the client doesn't send it to appraisal; the insured or the insurer sends it to appraisal
  • and the insurer.
Summary: The committee meeting primarily focused on discussions surrounding SB458 and its companion bill HB4570, which address appraisal provisions in insurance policies. Chairman Dean emphasized the importance of preserving consumer rights regarding appraisals in dispute resolution and thanked stakeholders for their involvement. Testimonies were presented by various experts who supported the bill, highlighting how it could help consumers by providing a more efficient alternative to litigation in settling claims and potentially leading to higher awards for policyholders. The bill aims to streamline the appraisal process and ensure timely resolutions for insurance claims related to both personal and auto insurance.
TX

Texas 2025 - 89th Regular

Insurance Apr 9th, 2025 at 10:30 am

House Insurance Committee

Transcript Highlights:
  • Section 544.002 of the Insurance Code is intended to protect individuals from having insurance companies
  • at two types of auto insurance and two types of homeowners insurance to see whether or not
  • Credit-based insurance scores have been used in insurance for a few decades.
  • To sell their drugs, manufacturers pay placement fees for coverage by PBMs, insurer plans, group purchasing
  • Insured patients...
Summary: The House Committee on Insurance convened to discuss multiple bills aimed at enhancing consumer protection and improving access to essential services. Notable discussions included HB2528, which seeks to eliminate prior authorization requirements for medications treating substance use disorders, thereby expediting access to crucial treatments for Texans. Representative Boosie laid out HB722, addressing transparency in auto insurance valuation processes, prompting engagement from various witnesses on how current practices potentially exploit consumers. Members voiced concerns about the intersection of bureaucratic delays and the urgency of addiction treatment, emphasizing the bill's potential life-saving implications.
TX

Texas 2025 - 89th Regular

Insurance Apr 30th, 2025 at 08:04 am

House Insurance Committee

Transcript Highlights:
  • If the claimant or the insured...
  • You should be able to only sell umbrella insurance to people to whom you're selling underlying coverage
  • New standards of care were released late last year for pain management; consistent insurance coverage
  • The Texas Insurance Code provides coverage for telemedicine
  • Coverage to clarify that insurers cannot reduce the initial
Summary: The meeting of the House Committee on Insurance focused on several significant bills, including HB854, which aims to reform insurance payment structures to improve accessibility for homeowners needing urgent repairs. Representative Garcia-Hernandez strongly advocated for this bill, highlighting the struggles faced by constituents unable to cover upfront repair costs. Additionally, HB4092 was discussed, which seeks to clarify regulations surrounding pre-suit notices in insurance claims, emphasizing the importance of protecting policyholders' rights. The meeting included various testimonies, with both supporters and opponents voicing their concerns about how these bills could impact consumers and the insurance industry.
TX

Texas 2025 - 89th Regular

Insurance Apr 30th, 2025 at 10:04 am

House Insurance Committee

Transcript Highlights:
  • Insurance will come to order.

  • Members, healthcare provider insurance credentialing is

  • requires an insurer to determine a provider's eligibility within 90 days.
  • The insurer isn't required to include the applicant in

  • The insurer is entitled to payment from the provider

Summary: The meeting focused on House Bill 1642, which aims to establish an expedited credentialing process for chiropractors to help ensure patients receive timely treatment. Representative Cain presented the bill and emphasized that the lengthy credentialing delays harm patients seeking prompt care. Witnesses, including representatives from the Texas Chiropractic Association, voiced support for the bill, reiterating how essential it is for chiropractors to have the same expedited process available as other healthcare providers. The discussions highlighted the impact of delays in credentialing on patient care, particularly for those in pain, and proposed that the bill would alleviate these issues by enabling faster access to care for chiropractic patients. The meeting also included public testimony, where individuals expressed their concerns about current delays and the financial burden on patients. Representative Cain responded to queries and emphasized the importance of passing the bill to prevent unnecessary suffering and provide patients with timely access to chiropractic services. Ultimately, HB 1642 was left pending, allowing for further consideration, and the meeting concluded with appreciation for the witnesses and attendees present.
TX

Texas 2025 - 89th Regular

Health and Human Services (Part II) Apr 9th, 2025

Senate Health & Human Services Committee

Transcript Highlights:
  • Dental insurance and parents normally cover the cost

  • However, some medical health insurers do not want to cover the anesthesia.
  • In fact, currently, Medicaid, CHIP, TRICARE, and 30 other states require this coverage.
  • Health insurance for necessary general anesthesia for these
  • This bill would simply require that plans that already require coverage for general anesthesia do not
Summary: The meeting of the committee covered critical discussions focused on several key bills aimed at enhancing safety and improving healthcare access for vulnerable populations, particularly seniors and pediatric patients. The members heard testimony in support of SB1283, with Lieutenant Jonathan Blanchard from the Dallas Police Department advocating for the bill as a means to ensure safer environments in senior facilities by instituting criminal history checks for employees. Carmen Tilton from the Texas Assisted Living Association also highlighted the bill's balance between safety and privacy, showing strong support from various stakeholders. Additionally, the committee discussed SB527, which addresses the challenges of obtaining insurance coverage for general anesthesia required for pediatric dental procedures. Experts testified about the urgent need for reform to prevent potential health crises in children and to streamline care access for parents.
TX

Texas 2025 - 89th Regular

Insurance May 20th, 2025 at 09:05 am

House Insurance Committee

Transcript Highlights:
  • reference guide developed by the Texas Department of Insurance.
  • In a 2021 study, it was found that 50% of state insurance commissioners nationwide had joined the insurance
  • That way, the insurance cost that we're trying to buy would be less.
  • I'm with the insurance counsel. I'm showing you.
  • It exempts TWIA from insurance premium maintenance taxes under .017.
Bills: SB1642, SB1643, SB2530
Summary: The committee meeting held extensive discussions on multiple pieces of legislation focused primarily on insurance and healthcare. A significant portion of the meeting revolved around SB1643, which proposes changes to how property and casualty insurance rates are regulated in Texas by requiring prior approval from the Texas Department of Insurance (TDI) for any rate changes exceeding 10%. Members expressed mixed feelings about this proposal, with concerns that it might lead to increased costs for consumers while discussing the balance between consumer protection and maintaining a competitive insurance market. Witnesses offered testimony both in favor and against the bill, highlighting the importance of thoughtful regulatory frameworks amidst rising insurance costs.
TX

Texas 2025 - 89th Regular

Pensions, Investments & Financial Services Mar 31st, 2025 at 10:03 am

House Pensions, Investments & Financial Services Committee

Transcript Highlights:
  • ...which relates to health benefit plan coverage of certain
  • Some small districts in my area chose to do so, believing private insurance would provide more affordable
  • coverage.
  • Coverage for those districts would resume on September 1, 2026.
  • of the TRS insurance?
Summary: The Committee on Pensions, Investments, and Financial Services convened to discuss various legislative bills focused on enhancing financial security for public employees and addressing instances of financial fraud. Notably, House Bill 3594 was presented by Representative Lujan, aimed at modernizing the San Antonio Fire and Police Retiree Health Care Fund, with support from key stakeholders, indicating broad consensus on the bill's implications. In addition, House Bill 3109 was addressed, expanding the scope of the Financial Crimes Intelligence Center to include payment fraud, reflecting Texas's proactive approach to tackling criminal financial activities and protecting its citizens.
TX

Texas 2025 - 89th Regular

Insurance Mar 26th, 2025 at 10:30 am

House Insurance Committee

Transcript Highlights:
  • Some coverage is better than no coverage at all.
  • What happens if someone needs this treatment or service and they have no insurance coverage at all?
  • If they have no insurance coverage at all here in Texas, we have options for them.
  • I believe that bill required insurance companies to offer coverage.
  • So like, you know, to change it up, if I'm in auto insurance and I have coverage to pay for my car damage
Summary: The committee meeting revolved around key discussions on several proposed bills, particularly focusing on HB3211, which aims to improve patient access to optometrists. Multiple stakeholders participated, expressing their views and concerns regarding the impact of the bill on vision care networks. The discussions highlighted the need for a clearer application process for optometrists to be included in vision plan networks, reflecting a powerful sentiment from both healthcare professionals and patients about access to care. The meeting also encapsulated varying perspectives on the legal aspects surrounding HB2275, addressing arbitration provisions for surplus policies, illustrating the committee's diligence in scrutinizing regulatory frameworks for consumers.
TX

Texas 2025 - 89th Regular

Insurance Mar 26th, 2025 at 08:00 am

House Insurance Committee

Transcript Highlights:
  • insurance protection.
  • directly with life insurance, retirement products, and various health insurance products offered in
  • We're going to shift from health insurance to a very niche industry of prescribed burning insurance.
  • That insurance company that exists to offer coverage in our
  • Mobile Insurance Coverage Program.
Summary: The meeting of the House Committee on Insurance was a significant gathering that focused on various health-related bills, including HB138, AB388, HB1942, and others. The committee heard testimony from multiple stakeholders, including representatives from the Texas Medical Association, who emphasized the importance of health insurance transparency and compliance. Notably, HB1818 garnered attention as it aims to enhance the oversight of utilization review processes, which has previously faced challenges from both insurers and healthcare providers. The committee also discussed measures to improve the prescribed burning insurance under HB2563, a critical topic due to the increasing risk of wildfires in Texas. Several witnesses provided insights into the urgent need for a robust insurance framework to support prescribed burn managers, highlighting the current limitations and risks posed by the lack of coverage in the market.
TX

Texas 2025 - 89th Regular

Insurance Mar 19th, 2025 at 08:00 am

House Insurance Committee

Transcript Highlights:
  • Reducing insurance costs by identifying cost drivers.
  • coverage.
  • coverage requirement.
  • insurance when a patient is needing it.
  • Full disclosure, I'm not in insurance.
Bills: HB138, HB335, HB388
Summary: The House Committee on Insurance convened a meeting focusing on critical legislative objectives aimed at insurance reform. Noteworthy discussions emerged around HB138, which aims to address cost reduction in health insurance and increase transparency in the reporting of private insurance costs. The committee members emphasized the need to identify cost drivers and cut unnecessary regulations while also working on effective methods to deliver insurance benefits efficiently. There were extensive remarks made regarding the implications of insurance mandates on overall costs, bring forth a call for a thorough evaluation and revision of existing mandates that may result in unintended consequences.
TX

Texas 2025 - 89th Regular

Insurance Apr 2nd, 2025 at 08:00 am

House Insurance Committee

Transcript Highlights:
  • coverage plan.
  • make windstorm insurance coverage uniformly and fairly applied to all Texans.
  • Any insurer may provide personalized property and casualty insurance that creates economies of scale
  • The insured is our client, and the insurance carrier is our trading partner.
  • limit you buy is your coverage.
Summary: The meeting of the House Committee on Insurance revolved around discussions primarily focused on the intricacies of multiple proposed bills aimed at reforming insurance regulations, particularly in the context of windstorm insurance. Chairman Hunter introduced HB3689, which seeks to create a more equitable funding system for the Texas Windstorm Insurance Association by eliminating costly debt financing options. Multiple testimonies from representatives of the insurance industry highlighted collaboration efforts that have resulted in more affordable coverage options for residents in coastal regions. Key stakeholders, including insurance experts and affected constituents, expressed overwhelming support for the proposed changes, emphasizing the urgent need for reform to combat the rising costs that have burdened homeowners over the years. Additionally, discussions around HB1576 focused on incentivizing homeowners to improve the resilience of their properties against weather-related damage through a proposed grant program administered by the Department of Insurance. This proposal was deemed a significant step toward stabilizing insurance costs and encouraging safer construction practices.
TX

Texas 2025 - 89th Regular

Insurance Apr 2nd, 2025 at 10:30 am

House Insurance Committee

Transcript Highlights:
  • It's not prohibiting any type of insurance coverage.
  • Insurance coverage is, of course, important, but it also implies the creation of insurance codes for
  • I fully support expanding medical care and insurance coverage.
  • to provide coverage because there are some insurance companies that don't provide coverage for either
  • The current law requires them to have insurance coverage at that time, at $1 million in coverage.
Summary: The committee meeting addressed several key bills, with significant discussions surrounding HB778, which focuses on insurance coverage for individuals undergoing gender transition and those wishing to detransition. During the presentations, the bill's author, Chairman Leach, emphasized the importance of ensuring coverage for potential adverse effects from gender transition procedures. However, concerns were raised by various witnesses regarding the potential implications of limiting coverage for transgender care, leading to heated debates and a range of testimonies from both supporters and opponents of the bill. HB2517 and HB2213 also received attention, with discussions centered on insurance premiums and board eligibility for the Texas Windstorm Insurance Association, respectively.
TX

Texas 2025 - 89th Regular

Insurance Mar 19th, 2025 at 10:30 am

House Insurance Committee

Transcript Highlights:
  • The House Committee on Insurance will come to order.

  • So the increase of insurance more to take care of an administrative fee you're talking about, well
  • Cost to us that the consumer that's buying the insurance will have to pay for.
  • So anybody who would provide this type of insurance.
  • , despite patients having appropriate insurance.
Bills: HB138, HB335, HB388
Summary: The meeting of the committee focused significantly on discussions surrounding HB138 and HB388. Representative Harris-DeVille presented HB388, which aims to standardize the coordination of benefits questionnaires used by health benefit plan issuers and healthcare providers. This discussion highlighted the issues of patient billing complexities and the potential for reduced errors in healthcare coverage. Various stakeholders provided testimony in support of the bill, emphasizing its importance in streamlining the process for patients who have dual coverage, such as Medicaid and Medicare. There was considerable backing for the functionality that HB388 would bring in clearing up confusion in billing practices across different insurance plans.
TX

Texas 2025 - 89th Regular

Education K-16 (Part II) May 8th, 2025

Senate Education K-16 Committee

Summary: The meeting largely centered on discussions about House Bill 120, which aims to improve career and technical education in Texas, particularly focusing on rural students. The bill was introduced as an innovative approach to enhance educational pathways for high-demand jobs, including programs for military readiness and industry-based certifications. Various stakeholders, including educators and representatives from the Career and Technical Association of Texas, provided testimonies in support of the bill, emphasizing the need for such initiatives to address the workforce requirements of the state. Conversely, concerns regarding the bill's implications were raised by several witnesses, primarily focusing on the potential unintended consequences for students with disabilities and the importance of maintaining a collaborative educational approach rather than a punitive one.
TX

Texas 2025 - 89th Regular

Education K-16 (Part I) May 8th, 2025

Senate Education K-16 Committee

Transcript Highlights:
  • certain school districts and open enrollment charter schools to participate in the uniform group coverage
Summary: The meeting of the Senate Committee on Education, K-16, revolved around multiple bills, notably HB1188, HB2856, HB3126, HJR5, and HB6. Key discussions highlighted the importance of early intervention for families with special needs through HB1188, which aims to provide better resources for parents. Public testimony included compelling narratives that underscored the personal impact of such legislation. Additionally, the committee engaged in important dialogue concerning student discipline, specifically focusing on vaping in schools and its consequences under HB6.
TX

Texas 2025 - 89th Regular

Pensions, Investments & Financial Services Mar 17th, 2025 at 10:00 am

House Pensions, Investments & Financial Services Committee

Transcript Highlights:
  • Currently, the plans ensuring our public servants lack coverage for IVF treatment.
  • So we're just, it's like travel insurance when you travel on an airplane. Correct.
  • Well, it's a similar concept, but it's not insurance because it's not...
  • It sounds like insurance. Well, it does, but it's currently... it's not.
  • And we don't think it is insurance.
Summary: The meeting of the Committee on Pensions, Investments, and Financial Services convened to discuss various bills aimed at enhancing financial governance and protections in Texas. Notably, Representative Perez laid out House Bill 201, which proposes expanding the scope of the Financial Crimes Intelligence Center to combat organized financial crimes, such as motor fuel theft. This bill garnered significant support from witnesses, including Captain Jeff Headley from the Financial Crimes Intelligence Center, who highlighted the urgent need for legislative measures to address increasing thefts that impact both consumers and state revenue. Subsequently, testimony from several members elucidated the impact of these crimes, emphasizing their detrimental effects on Texas' economic stability. The committee members expressed their interest in the advancements in tackling such issues through the proposed legislation.
TX

Texas 2025 - 89th Regular

Health and Human Services (Part I) Mar 26th, 2025

Senate Health & Human Services Committee

Transcript Highlights:
  • To clarify, current and former Medicaid enrollees may be informed of coverage options.
  • Bill SB1257 is about health insurance, like so many things we deal with in this committee—health insurance
  • This is to make sure that Texans who need the coverage are covered.
  • This is important to make sure that health insurance enrollees who need the coverage are able to receive
  • , including both hormones and surgery, but there is a critical gap in coverage.
Summary: The Senate Committee on Health and Human Services convened to discuss various pieces of legislation, addressing critical issues affecting healthcare and social services in Texas. Notable discussions included Senate Bill 481, which mandates backup power provisions for nursing homes and assisted living facilities to ensure the safety of vulnerable residents during outages, and Senate Bill 596, aimed at improving reporting requirements related to child welfare, enhancing the oversight of removals and placements. The committee also reviewed several other bills aimed at supporting healthcare access and enhancing protections for children under various circumstances.

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