2023 -- S 1001 ======== LC002735 ======== S TATE OF RHODE IS LAND IN GENERAL ASSEMBLY JANUARY SESSION, A.D. 2023 ____________ A N A C T RELATING TO HEALTH AND SAFETY -- HOME CARE PATIENTS RIGHTS Introduced By: Senators Cano, Kallman, DiMario, F. Lombardi, Lawson, Mack, Miller, Euer, Lauria, and Murray Date Introduced: May 15, 2023 Referred To: Senate Health & Human Services It is enacted by the General Assembly as follows: SECTION 1. Section 23-17.16-5 of the General Laws in Chapter 23-17.16 entitled "Home 1 Care Patient Rights" is hereby amended to read as follows: 2 23-17.16-5. Rights of home care patients/clients. 3 Each home care patient/client has the following rights: 4 (1) To receive services without regard to race, creed, color, gender, sexual orientation, age, 5 disability, or source of payment. 6 (2) To receive safe, appropriate and high quality care and services in a timely manner with 7 consideration, dignity, respect and privacy. 8 (3) To accept or refuse care and to be informed of the consequences of that action. 9 (4) To be free from mental or physical abuse, physical punishment, neglect, damage to or 10 theft of property, or exploitation of any kind. 11 (5) To have his or her property treated with respect. 12 (6) To exercise his or her rights as a patient/client of the home nursing-care provider or 13 home-care provider agency. When the patient/client is unable to exercise his or her rights, an agent 14 or legal guardian may exercise the patient’s/client’s rights. 15 (7) To be informed, in advance, about the care to be furnished (and not to be furnished), 16 the plan of care, and of any changes in the care to be furnished before the change is made. 17 (8) To help plan the care and services received or to help change the care and services. 18 (9) To be advised in advance of the disciplines that will furnish care, the frequency of visits 19 LC002735 - Page 2 of 9 proposed to be furnished, and the names and qualifications of all individuals providing care. 1 (10) To receive information necessary to make decisions about care (or to have a family 2 member receive that information, as appropriate) and to have access to their records. 3 (11) To receive information and counseling about advanced directives such as the living 4 will and durable power of attorney for health care, to formulate advanced directives, and to receive 5 written information about the policy of the home nursing care provider or home care provider 6 agency on client advanced directives and state COMFORT ONE protocol. 7 (12) To have his or her personal and clinical records treated and maintained in a 8 confidential manner and to be advised by the agency of its policies and procedures regarding 9 disclosure of clinical records. 10 (13) To be advised, before care is initiated, if the provider is a full participating provider 11 in the patient’s/client’s healthcare plan, the cost of services, the extent to which payment for the 12 home nursing-care provider or home-care provider agency services may be expected from 13 insurance, government and other sources, and the extent to which payment may be required from 14 the patient/client and the charges they will be required to pay. 15 (14) To be informed of the home nursing-care provider or home-care provider agency’s 16 billing procedures and the patient/client payment responsibilities. 17 (15) To be informed of the home nursing-care provider or home-care provider agency’s 18 ownership and control. 19 (16) To be informed of any experimental research or investigational activities and the right 20 to refuse them. 21 (17) To voice grievances (or to have the patient’s/client’s family or guardian voice 22 grievances on the patient’s/client’s behalf if the patient/client is unable to do so) regarding 23 treatment or care that is (or fails to be) furnished, or regarding the lack of respect for property by 24 anyone who is furnishing services on behalf of the home nursing-care provider or home-care 25 provider agency; to be advised on how to voice grievances; and not to be subjected to discrimination 26 or reprisal for doing so. 27 (18) To have the patient’s/client’s complaints investigated, or complaints made by the 28 patient’s/client’s family or guardian, regarding treatment or care that is (or fails to be) furnished, 29 or regarding the lack of respect for the patient/client or the patient’s/client’s property by anyone 30 furnishing services on behalf of the home nursing-care provider or home-care provider agency, and 31 the home nursing-care provider or home-care provider agency must document both the existence 32 of the complaint and the resolution of the complaint. 33 (19) To be informed, in writing, of his or her rights to appeal a determination or decision 34 LC002735 - Page 3 of 9 made by the home nursing-care provider or home-care provider agency with regard to eligibility 1 for service, the types or levels of service in the care plan, a termination or change in service, or if 2 the patient/client feels that his or her rights under this chapter have been violated. 3 (20) To be advised, in writing, of the names, addresses, and telephone numbers of the state 4 ombudsperson, the attorney general’s Medicaid fraud control unit, the state licensing agency and 5 the availability of the state toll-free home health hotline, the hours of its operation, and that the 6 purpose of the hotline is to receive complaints or questions about local home nursing-care providers 7 or home-care providers. 8 (21) The patient/client shall have the right to receive information concerning hospice care, 9 including the benefits of hospice care, the cost, and how to enroll in hospice care. 10 (22) To receive home care services regardless of the patient’s/client’s permanent or 11 temporary residence. 12 SECTION 2. Section 27-18-3 of the General Laws in Chapter 27-18 entitled "Accident and 13 Sickness Insurance Policies" is hereby amended to read as follows: 14 27-18-3. Required provisions. 15 (a) Except as provided in § 27-18-5 each policy delivered or issued for delivery to any 16 person in this state shall contain the provisions specified in this section in the words in which the 17 provisions appear in this section; provided, that the insurer may, at its option, substitute, for one or 18 more of the provisions, corresponding provisions of different wording approved by the 19 commissioner which are in each instance not less favorable in any respect to the insured or the 20 beneficiary. The provisions shall be preceded individually by the caption appearing in this 21 subsection or, at the option of the insurer, by the appropriate individual or group captions or 22 subcaptions as the commissioner may approve: 23 (1) A provision as follows: 24 “ENTIRE CONTRACT; CHANGES: This policy, including the endorsements and the 25 attached papers, if any, constitutes the entire contract of insurance. No change in this policy shall 26 be valid until approved by an executive officer of the insurer and unless the approval is endorsed 27 on it or attached to it. No agent has authority to change this policy or to waive any of its provisions.” 28 (2) A provision as follows: 29 “TIME LIMIT ON CERTAIN DEFENSES: (a) After three (3) years from the date of issue 30 of this policy no misstatements, except fraudulent misstatements, made by the applicant in the 31 application for this policy shall be used to void the policy or to deny a claim for loss incurred or 32 disability (as defined in the policy) commencing after the expiration of that three-year period.” 33 (This policy provision shall not be construed as to affect any legal requirement for 34 LC002735 - Page 4 of 9 avoidance of a policy or denial of a claim during the initial three (3) year period, nor to limit the 1 application of § 27-18-4(1), (2), (3), (4) and (5) in the event of a misstatement with respect to age 2 or occupation or other insurance.) 3 (A policy which the insured has the right to continue in force subject to its terms by the 4 timely payment of premium: (i) until at least age fifty (50); or (ii) in the case of a policy issued after 5 age forty-four (44), for at least five (5) years from its date of issue, may contain in lieu of this 6 provision the following provision (from which the clause in parentheses may be omitted at the 7 insurer's option) under the caption “INCONTESTABLE”: 8 “After this policy has been in force for a period of three (3) years during the lifetime of the 9 insured (excluding any period during which the insured is disabled), it shall become incontestable 10 as to the statements contained in the application.”) 11 “(b) No claim for loss incurred or disability (as defined in the policy) commencing after 12 three (3) years from the date of issue of this policy shall be reduced or denied on the ground that a 13 disease or physical condition not excluded from coverage by name or specific description effective 14 on the date of loss had existed prior to the effective date of coverage of this policy.” 15 (3) A provision as follows: 16 “GRACE PERIOD: A grace period of ____” (insert a number not less than “seven” (7) for 17 weekly premium policies, “ten” (10) for monthly premium policies and “thirty-one” (31) for all 18 other policies) “days will be granted for the payment of each premium falling due after the first 19 premium, during which grace period the policy shall continue in force.” 20 (A policy which contains a cancellation provision may add, at the end of the above 21 provision: 22 “subject to the right of the insurer to cancel in accordance with the cancellation provision 23 of this policy.”) 24 (A policy in which the insurer reserves the right to refuse any renewal shall have, at the 25 beginning of the above provision: 26 “Unless not less than ten (10) days prior to the premium due date the insurer has delivered 27 to the insured or has mailed to his or her last address as shown by the records of the insurer written 28 notice of its intention not to renew this policy beyond the period for which the premium has been 29 accepted,”) 30 (4) A provision as follows: 31 “REINSTATEMENT: If any renewal premium is not paid within the time granted the 32 insured for payment, a subsequent acceptance of premium by the insurer or by any agent duly 33 authorized by the insurer to accept this premium, without requiring in connection with it an 34 LC002735 - Page 5 of 9 application for reinstatement, shall reinstate the policy; provided, that if the insurer or the agent 1 requires an application for reinstatement and issues a conditional receipt for the premium tendered, 2 the policy will be reinstated upon approval of the application by the insurer or, lacking approval, 3 upon the forty-fifth day following the date of the conditional receipt unless the insurer has 4 previously notified the insured in writing of its disapproval of the application. The reinstated policy 5 shall cover only loss resulting from an accidental injury as may be sustained after the date of 6 reinstatement and loss due to a sickness as may begin more than ten (10) days after this date. In all 7 other respects the insured and insurer shall have the same rights under the reinstated policy as they 8 had under the policy immediately before the due date of the defaulted premium, subject to any 9 provisions endorsed on it or attached to it in connection with the reinstatement. Any premium 10 accepted in connection with a reinstatement shall be applied to a period for which the premium has 11 not been previously paid, but not to any period more than sixty (60) days prior to the date of 12 reinstatement.” 13 (The last sentence of this provision may be omitted from any policy which the insured has 14 the right to continue in force subject to its terms by the timely payment of premiums: (i) until at 15 least age fifty (50); or (ii) in the case of a policy issued after age forty-four (44), for at least five (5) 16 years from its date of issue.) 17 (5) A provision as follows: 18 “NOTICE OF CLAIM: Written notice of claim must be given to the insurer within twenty 19 (20) days after the occurrence or commencement of any loss covered by the policy, or as soon after 20 this as is reasonably possible. Notice given by or on behalf of the insured or the beneficiary to the 21 insurer at ____________” (insert the location of any office as the insurer may designate for the 22 purpose), “or to any authorized agent of the insurer, with information sufficient to identify the 23 insured, shall be deemed notice to the insurer.” 24 (In a policy providing a loss of time benefit which may be payable for at least two (2) years, 25 an insurer may at its option insert the following between the first and second sentences of this 26 provision: 27 “Subject to the qualifications set forth below, if the insured suffers loss of time on account 28 of disability for which indemnity may be payable for at least two (2) years, the insured shall, at 29 least once in every six (6) months after having given notice of claim, give to the insurer notice of 30 continuance of the disability, except in the event of legal incapacity. The period of six (6) months 31 following any filing of proof by the insured or any payment by the insurer on account of the claim 32 or any denial of liability in whole or in part by the insurer shall be excluded in applying this 33 provision. Delay in the giving of notice shall not impair the insured's right to any indemnity which 34 LC002735 - Page 6 of 9 would have accrued during the period of six (6) months preceding the date on which the notice is 1 actually given.”) 2 (6) A provision as follows: 3 “CLAIM FORMS: The insurer, upon receipt of a notice of claim, will furnish to the 4 claimant any forms as are usually furnished by it for filing proofs of loss. If the forms are not 5 furnished within fifteen (15) days after the giving of notice, the claimant shall be deemed to have 6 complied with the requirements of this policy as to proof of loss upon submitting, within the time 7 fixed in the policy for filing proofs of loss, written proof covering the occurrence, the character, 8 and the extent of the loss for which claim is made.” 9 (7) A provision as follows: 10 “PROOFS OF LOSS: Written proof of loss must be furnished to the insurer at its office in 11 the case of a claim for loss for which this policy provides any periodic payment contingent upon 12 continuing loss within ninety (90) days after the termination of the period for which the insurer is 13 liable and in the case of a claim for any other loss within ninety (90) days after the date of the loss. 14 Failure to furnish proof within the time required shall not invalidate nor reduce any claim if it was 15 not reasonably possible to give proof within this time, provided the proof is furnished as soon as 16 reasonably possible and in no event, except in the absence of legal capacity, later than one year 17 from the time proof is required.” 18 (8) A provision as follows: 19 “TIME OF PAYMENT OF CLAIMS: Indemnities payable under this policy for any loss 20 other than loss for which this policy provides any periodic payment will be paid immediately upon 21 receipt of due written proof of this loss. Subject to due written proof of loss, all accrued indemnities 22 for loss for which this policy provides periodic payment will be paid ____________” (insert period 23 for payments which must not be less frequently than monthly) “and any balance remaining unpaid 24 upon the termination of liability will be paid immediately upon receipt of due written proof.” 25 (9) A provision as follows: 26 “PAYMENT OF CLAIMS: Indemnity for loss of life will be payable in accordance with 27 the beneficiary designation and the provisions respecting the payment which may be prescribed in 28 this policy and effective at the time of payment. If no designation or provision is effective, 29 indemnity shall be payable to the estate of the insured. Any other accrued indemnities unpaid at the 30 insured's death may, at the option of the insurer, be paid either to the beneficiary or to the estate. 31 All other indemnities will be payable to the insured.” 32 (The following provisions, or either of them, may be included with this provision at the 33 option of the insurer: 34 LC002735 - Page 7 of 9 “If any indemnity of this policy shall be payable to the estate of the insured, or to an insured 1 or beneficiary who is a minor or not competent to give a valid release, the insurer may pay the 2 indemnity, up to an amount not exceeding $______” (insert an amount which shall not exceed one 3 thousand dollars ($1,000)), “to any relative by blood or connection by marriage of the insured or 4 beneficiary who is deemed by the insurer to be equitably entitled to the payment. Any payment 5 made by the insurer in good faith pursuant to this provision shall fully discharge the insurer to the 6 extent of the payment.” “Subject to any written direction of the insured in the application or 7 otherwise, all or a portion of any indemnities provided by this policy on account of hospital, 8 nursing, medical, or surgical services may, at the insurer’s option and unless the insured requests 9 otherwise in writing not later than the time of filing proofs of the loss, be paid directly to the hospital 10 or person rendering the services; but it is not required that the service be rendered by a particular 11 hospital or person.”) 12 (10) A provision as follows: 13 “PHYSICAL EXAMINATIONS AND AUTOPSY: The insurer at its own expense shall 14 have the right and opportunity to examine the person of the insured when and as often as it may 15 reasonably require during the pendency of a claim under this policy and to make an autopsy in case 16 of death where it is not forbidden by law.” 17 (11) A provision as follows: 18 “LEGAL ACTIONS: No action at law or in equity shall be brought to recover on this policy 19 prior to the expiration of sixty (60) days after written proof of loss has been furnished in accordance 20 with the requirements of this policy. No action shall be brought after the expiration of three (3) 21 years after the time written proof of loss is required to be furnished.” 22 (12) A provision as follows: 23 “CHANGE OF BENEFICIARY: Unless the insured makes an irrevocable designation of 24 beneficiary, the right to change of beneficiary is reserved to the insured and the consent of the 25 beneficiary or beneficiaries shall not be requisite to surrender or assignment of this policy or to any 26 change of beneficiary or beneficiaries, or to any other changes in this policy.” 27 (The first clause of this provision, relating to the irrevocable designation of beneficiary, 28 may be omitted at the insurer's option.) 29 (13) A provision as follows: 30 “‘Medical services’ means those professional services and supplies rendered by or under 31 the direction of persons duly licensed under the laws of this state to practice medicine, surgery, or 32 podiatry as may be specified by any medical service plan. Medical service shall not be construed 33 to include hospital services.” 34 LC002735 - Page 8 of 9 (c)(1) Each policy issued and/or renewed shall contain a minimum home health care benefit 1 as follows: 2 (i) “Home health care” is defined as a medically necessary program to reduce the length of 3 a hospital stay or to delay or eliminate an otherwise medically necessary hospital admission; 4 (ii) The home health care program shall be formulated and supervised by the subscriber's 5 physician; 6 (iii) Minimum home health care coverage shall not exceed six (6) home or office 7 physician's visits per month, and shall not exceed three (3) nursing visits per week, home health 8 aide visits up to twenty (20) hours per week, and the following services as needed: physical or 9 occupational therapy as a rehabilitative service, respiratory service, speech therapy, medical social 10 work, nutrition counseling, prescription drugs and medication, medical and surgical supplies, such 11 as dressings, bandages, and casts, minor equipment such as commodes and walkers, laboratory 12 testing, x-rays and E.E.G. and E.K.G. evaluations; and 13 (iv) Communicable diseases and/or nervous, emotional and mental illness are excluded 14 from home health care coverage; and 15 (v) Home health care coverage provides coverage for care at an insured's primary residence 16 or home and any temporary stay of an insured at a private residence or home. 17 (2) The commissioner shall approve the wording in each policy that in each instance shall 18 not be less favorable in any respect to the insured or the beneficiary, as the benefits are outlined in 19 subdivision (1) of this subsection. Any accident and sickness insurance policy whose benefits are 20 limited to income protection or the furnishing of disability income or a limited benefit health 21 coverage are excluded from this subsection. Notwithstanding the provisions of § 27-18-19(3), the 22 minimum home health care benefit shall be included in blanket and/or group policies of accident 23 and sickness insurance; 24 (3) A “limited benefit policy,” for the purposes of this section, is any accident and sickness 25 policy that covers one or more specified risks including, but not limited to, accidental death or 26 injury or specified disease. A policy that broadly covers accident and sickness, but which contains 27 exclusions and limitations with respect to certain risks or services, is not a limited benefit policy; 28 (4) With respect to blanket and/or group policies, the provisions of this subsection shall 29 apply only to services provided to residents of Rhode Island or employees of Rhode Island 30 employers. 31 SECTION 3. This act shall take effect upon passage. 32 ======== LC002735 ======== LC002735 - Page 9 of 9 EXPLANATION BY THE LEGISLATIVE COUNCIL OF A N A C T RELATING TO HEALTH AND SAFETY -- HOME CARE PATIENTS RIGHTS *** This act would amend the current law so that all home health care patients are entitled to 1 receive home health care services regardless of their permanent or temporary residence. 2 This act would take effect upon passage. 3 ======== LC002735 ========