Video & Transcript DataContr Research : 'insurance policy'

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TX

Texas 2025 - 89th Regular

Insurance Apr 30th, 2025 at 08:04 am

House Insurance Committee

Transcript Highlights:
  • ...storm and hail insurance policies or to flood insurance
  • policy was to refer specifically to TWEA policies and on flood insurance policies to refer to the National
  • Flood Insurance Program policies.
  • It also under flood insurance policy would not just be limited to flood insurance program policies, but
  • Citizens ought to get their money's worth of insurance policies they pay for by providing money up front
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

Education K-16 (Part II) Apr 15th, 2025

Senate Education K-16 Committee

Transcript Highlights:
  • , specifically windstorm insurance.
  • is for windstorm insurance alone, meaning if we were further inland, our total insurance bill would
  • These policies come with a premium, literally.
  • Windstorm Insurance Association, commercial property insurance
  • So you mentioned other insurance because I'm hearing the same skyrocketing property insurance costs from
Summary: The meeting focused on advancing several significant pieces of legislation, particularly those pertaining to education and school finance. Notable discussions included the adoption of committee substitutes for various Senate Bills, such as SB2392, which introduced new reporting requirements for educators regarding misconduct cases. The committee also addressed SB1635, aimed at alleviating the financial burdens of high coastal insurance costs on school districts, which included provisions for credits against required recapture payments. Senator Hinojosa emphasized the urgency of responding to the challenges faced by local districts, underscoring the need for legislative support to ensure fair funding in coastal areas.
TX

Texas 2025 - 89th Regular

Insurance Apr 2nd, 2025 at 10:30 am

House Insurance Committee

Transcript Highlights:
  • They were told their insurance policy wasn't going to be renewed because their insurer wasn't writing
  • policies.
  • regardless of risk, unlike traditional insurers who can reject high-risk policies.
  • Care in their insurance policy would quit doing it.
  • That if you add this, insurance policies may say, "Ooh,
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 Apr 2nd, 2025 at 08:00 am

House Insurance Committee

Transcript Highlights:
  • to place in the policies.
  • The loan will be repaid through a temporary surcharge on most Texas insurance policies.
  • Street, we could all get together, get a group policy, and get property casualty insurance that's going
  • The insured is our client, and the insurance carrier is our trading partner.
  • The primary benefit of a group policy is the standardization of the insurance offering.
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 17th, 2025 at 10:04 am

House Insurance Committee

Transcript Highlights:
  • insured's rights to recover withheld depreciation due to clauses in an insurance policy.
  • Insurance policies have clauses stating insurers will need to request the withheld depreciation within
  • repairs prior to the time frame allowed by the insurance policy, which could allow an insurer to breach
  • the policy, unfairly denying the claim for the withheld amount to the insured.
  • policy.
Summary: The meeting was characterized by detailed discussions surrounding several key bills, including HB1464, HB4012, and SB916. Representative Tallarico provided an overview of HB1464, which establishes a state drug purchasing pool aimed at reducing prescription costs for Texas consumers. Multiple stakeholders offered testimony, emphasizing the potential savings and expressing support for the bill. On the other hand, the discussion around HB4012 elicited differing opinions, particularly related to its implications for fraud enforcement in private insurance, with opponents warning against government overreach in private business dealings. Senator Spillers presented SB916, focusing on consumer protections against surprise billing from emergency medical services, indicating collaborative efforts with various health plans to strengthen patient protections without imposing financial burdens on them. Throughout the meeting, representatives and witnesses engaged in constructive dialogue about healthcare costs, insurance reforms, and consumer protection measures. The committee concluded with several bills left pending for future consideration, indicating ongoing concerns and a commitment to further deliberation on these important legislative matters.
TX

Texas 2025 - 89th Regular

Business and Commerce Mar 4th, 2025

Senate Business & Commerce Committee

Transcript Highlights:
  • lines insurers.
  • Arbitration has become very common in insurance policies. I think it's a favorable development.
  • They do not have this in the insurance policies that I've seen.
  • That includes written notifications about insurance policies
  • , representing about 1,100 agencies and about 10,000 Texans selling and servicing insurance policies.
Summary: The meeting of the Senate Committee on Business included significant deliberations on multiple bills, specifically SB765, SB929, and SB455. Notably, Senator King advanced SB765 amid discussions on its committee substitute, clarifying issues related to confidentiality protections for law enforcement. The committee unanimously adopted the substitute, indicating broad support. Moving on, SB929 was similarly discussed, with minor amendments clarified before being favorably reported without objections. This reflects a positive atmosphere aimed at smoothing the legislative process for these initiatives. Senator Melton presented SB455, which addresses Texas law and arbitration for surplus lines of insurance that faced a veto in the previous session. This bill aims to establish arbitration processes that are more favorable to Texas policyholders by mandating that disputes be governed by Texas law and conducted within Texas. Stakeholders voiced strong support for this bill, emphasizing the importance of upholding Texas jurisdiction over such disputes.
TX

Texas 2025 - 89th Regular

Business and Commerce (Part II) Apr 8th, 2025

Senate Business & Commerce Committee

Transcript Highlights:
  • storm insurance costs.
  • Our members are 400 property and casualty insurance companies who write auto, home, and commercial insurance
  • , which, again, would be a cost borne by the insurance industry.
  • Is it across the state by all insurers?
  • That's right, all insurers except for mutuals, and that money is collected and paid by the insurers to
Summary: The committee meeting revolved around important discussions regarding two significant bills, SB2530 and SB2571, intended to address the funding challenges faced by the Texas Windstorm Insurance Association (TWIA). Senator Milton highlighted the need for reforms due to escalating reinsurance costs that have risen to over 60% of premiums. A notable focus was the proposed dynamic funding model, which aims to reduce reliance on fixed assessments and public securities tied to the current Probable Maximum Loss (PML) structure, allowing funding to adjust based on actual needs. Both bills received mixed responses, with public testimonies citing the potential for increased financial burdens on insurance companies if the assessments were restructured without careful consideration of market conditions.
TX

Texas 2025 - 89th Regular

Business and Commerce (Part I) Apr 8th, 2025

Senate Business & Commerce Committee

Transcript Highlights:
  • Basically, it is to help our insurance carriers, the workers' compensation insurance carriers based in
  • Texas who issue policies out of state.
  • carriers in other states issuing workers' compensation policies to companies in our state would end
  • a retaliatory tax when issuing a policy in the state.
  • I just don't think that's probably the right policy for the state.
Summary: In this committee meeting, a wide range of topics were addressed, notably the advancement of nuclear energy in Texas. The committee discussed Senate Bill 2967, aimed at exploring innovative energy technologies and the role of nuclear power in ensuring energy security. Several expert testimonies were heard, including insights from former PUC Commissioner Doug Robinson, who emphasized the potential of modular reactors and necessary state support to navigate the financial challenges commonly faced by nuclear energy projects. The committee's focus was on understanding current nuclear technology stages, determining required state incentives, and assessing the overall energy landscape in Texas.
TX

Texas 2025 - 89th Regular

Human Services Mar 18th, 2025 at 10:30 am

House Human Services Committee

Transcript Highlights:
  • Hunt called the life insurance policy. Mr.
  • Hunt called the insurance company and was told that the beneficiary of the life insurance policy had
  • Hey, this is a change in the law, so if anyone does have a life insurance policy or something you're
  • Leroy had a $50,000 life insurance policy purchased in 2009
  • ...about the life insurance policy itself and the beneficiaries
Summary: The committee meeting focused on three significant bills: HB1151, HB1155, and HB1041. A notable discussion arose surrounding HB1151, which aims to protect parental rights regarding medical decisions for children, especially in foster care settings. Supporters highlighted concerns about coercive practices by Child Protective Services that could label parents as neglectful for refusing certain medical treatments. Several witnesses testified in favor of the bill, emphasizing the need for parents to retain autonomy over their children's medical care. There was also a compelling narrative shared regarding a family's struggle with the complexities of health decisions under CPS supervision, further underscoring the importance of this legislation. The committee also reviewed HB1155, aimed at providing temporary financial assistance to economically disadvantaged families who have completed their service plans for the reunification of children removed by the Department of Family and Protective Services. The sentiment in favor of this bill echoed the challenges faced by families trying to navigate the system while meeting their basic needs. Furthermore, HB1041 was discussed, which seeks to prevent non-family caregivers from being named beneficiaries on life insurance policies of individuals under their care, highlighting a moral obligation to protect vulnerable populations.
TX

Texas 2025 - 89th Regular

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

Senate Health & Human Services Committee

Transcript Highlights:
  • Insurance to cover general anesthesia for some pediatric dental
  • Dental insurance and parents normally cover the cost

  • However, some medical health insurers do not want to cover the anesthesia.
  • Health insurance for necessary general anesthesia for these
  • I'm the VP of Public Policy for the Texas Assisted Living Association.
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

Business and Commerce May 8th, 2025

Senate Business & Commerce Committee

Transcript Highlights:
  • Superior Insurance...

  • It relates to the insurable interest of certain persons providing care to individuals with disabilities
  • policy for persons with disabilities unless they are related.
  • I'm the advocate and Policy Director at Texas Parent to Parent. We're a statewide non-profit.
  • we don't want anyone who is there to neglect them so that they can then scam them for some life insurance
Summary: The meeting was a thorough exploration of multiple bills, most notably focused on innovative energy solutions and public safety enhancements. Key discussions centered around HB14, which aims to bolster the state's nuclear energy capabilities through the establishment of a Texas Advanced Nuclear Energy Office. Senators and expert witnesses discussed the potential of nuclear power as a clean energy source and a strategic necessity for Texas's growth. There was strong support for the bill, with various stakeholders highlighting its importance for the future energy landscape. Additionally, other bills like HB132 addressed the need for enhanced confidentiality protections regarding sensitive information, while HB1584 sought improvements in power restoration procedures during emergencies. Overall, the committee engaged with multiple viewpoints, balancing innovation with safety and ethical considerations.
TX

Texas 2025 - 89th Regular

Education K-16 (Part I) Apr 15th, 2025

Senate Education K-16 Committee

Transcript Highlights:
  • There's a mandatory response policy that requires school districts
  • to adopt and implement a concussion response policy for non-athletic students, and this is not optional
  • A private school that receives an AED through a grant from the TEA would need to adopt a policy to mirror
  • We're doing public policy, and I appreciate it. Thank you.
  • I hope that their ethics... there's an ethics policy.
Summary: The meeting of the committee primarily addressed several significant bills, including SB2398 which aims to ensure that students recovering from concussions receive timely accommodations to support their academic, social, and behavioral needs. Senator Campbell presented the bill, emphasizing its importance in preventing long-term setbacks for affected students. The committee heard from various stakeholders, and testimony reflected strong support for the bill's intent, although concerns were raised regarding implementation.
TX

Texas 2025 - 89th Regular

Higher Education Apr 1st, 2025 at 08:00 am

House Higher Education Committee

Transcript Highlights:
  • Kate Barley from the Texas Public Policy Foundation.
  • And Texas Public Policy Foundation, you're for the

  • I'm the Higher Education Policy Analyst at the Texas Public Policy Foundation, and I support House Bill
  • What was truly one of the policy highlights of the

  • examined different aspects of the health care workforce pipeline and included dozens of pragmatic policy
Summary: The committee meeting largely centered around three significant bills: HB3204, HB173, and HB1507. HB3204 aims to address the workforce skills gap in Texas by modernizing vocational training and establishing what is now referred to as the Polytechnic College. Representative Metcalfe emphasized the need for relevant workforce training programs aligned with today's job market, which led to discussions about the new certificate programs that will be introduced. Additionally, public institutions will benefit from enhanced support for those who may not meet traditional entrance requirements.
TX

Texas 2025 - 89th Regular

Higher Education Apr 1st, 2025 at 10:30 am

House Higher Education Committee

Transcript Highlights:
  • campus policies.
  • There are 2,587 colleges with 100% smoke-free policies in the United States.
  • policies.
  • We always assume that someone may not know the policy.
  • insured.
Summary: The meeting focused primarily on the evaluation of several bills related to higher education funding and performance. Notably, the committee discussed HB1868, which was transformed into a study to analyze funding disparities between community colleges and school districts. Representative Wilson highlighted concerns raised by community colleges regarding funding thresholds and the potential fiscal impact, which is estimated at over $1 billion over the next biennium. The committee also passed HB271 after adopting a committee substitute that addresses success rates for students with disabilities, reflecting a commitment to inclusivity in higher education. Overall, the discussions emphasized the need for equitable funding and data-driven decisions for future legislative sessions.
US
Transcript Highlights:
  • of the American Association of Crop Insurance.
  • RCIS delivers crop insurance nationally.
  • have crop insurance.
  • ...insurance agencies to sell crop insurance to small-scale
  • Hopkins, crop insurance is the most effective.
Summary: The meeting of the agricultural committee focused on significant concerns regarding the current state of America's rural economy, highlighting the need for a strong five-year farm bill to address the challenges faced by farmers, particularly young and beginning farmers. Key testimony was given by multiple stakeholders including agricultural leaders and young farmers, emphasizing issues related to crop insurance, access to credit, and the adverse impact of recent USDA funding freezes. Various members discussed the necessity of risk management tools that farmers rely on to secure financing, which is crucial for sustaining agricultural operations and supporting rural communities. The importance of timely legislative action was underscored, as many farmers reported struggles in the current economic climate, raising urgency for reforms within the Farm Bill framework.
TX

Texas 2025 - 89th Regular

Public Education Apr 22nd, 2025 at 11:04 am

House Public Education Committee

Transcript Highlights:
  • The chair lays out as pending business House Bill 2849 by Allen, relating to policies on the recess period
  • of Texas and is eligible to participate in the group benefits program under Chapter 1551 of the Insurance
  • of Texas and is eligible to participate in the group benefits program under Chapter 1551 of the Insurance
  • relating to including anti-Semitism in the definition of bullying for the purpose of school discipline policies
  • The subcommittee adds anti-Semitism to the definition of bullying in school district discipline policies
Summary: The committee meeting focused on multiple bills pertaining to educational reforms and initiatives. Notable discussions included the passage of HB824, which aims to expand civics education in Texas high schools, emphasizing the importance of understanding government functions and participation in democracy. The bill received unanimous support from the committee members, reflecting broad consensus on the need for enhanced civic education. Similarly, HB1581 and HB1579 were discussed, aiming to improve bilingual education and establish a state seal of bilingualism and biliteracy for high school students, respectively, thereby emphasizing the educational framework's inclusivity and quality enhancement.
TX

Texas 2025 - 89th Regular

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

Senate Health & Human Services Committee

Transcript Highlights:
  • ...insurers.
  • Those remain covered by dental insurance.
  • For example, it could be ABC Insurance and ABC Health Plans Plus.
  • Just say, how much is it without the insurance?
  • the amount allowable under the policy.
Summary: The meeting of the Health and Human Services Committee covered a variety of bills focused on improving health care access, patient protections, and enhancing oversight of health-related services. Key discussions were held around SB1640, which aims to broaden the scope of criminal history checks for Medicaid providers to enhance accountability and prevent fraud. Senator Hagenbooth explained the committee substitute, emphasizing the necessity of strengthening vetting processes within Medicaid programs. Additionally, SB1784 was introduced, which seeks to protect patients from unexpected medical debt collection practices by mandating advance written notices before debt collection actions are initiated. Discussion around this bill reflected a collective concern for transparency in medical billing and the financial wellbeing of patients.
TX

Texas 2025 - 89th Regular

Public Education Apr 22nd, 2025 at 08:04 am

House Public Education Committee

Transcript Highlights:
  • You pay three insurance policies.
  • Now think about each of you who pay an insurance policy on your home or business.
  • I pay flood insurance.
  • , specifically windstorm insurance.
  • This is smart policy.
Summary: The committee meeting included discussions centered around educational bills, notably focusing on enhancing inclusivity and accountability within Texas public schools. One significant bill was House Bill 2354, aimed at aligning laws governing charter schools with those of traditional public schools, which received favorable testimonies emphasizing its importance for equal treatment of educational institutions. Representative Morales' House Bill 178 provided a platform for advocates to discuss the need for ethnic studies courses to be counted towards social studies credits, which was met with broad support, showcasing a commitment to diverse educational content. Additionally, House Bill 5201 stirred debate regarding construction oversight for school projects, highlighting the ongoing concerns over management failures in large-scale school construction and its implications for taxpayer funds.

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