Texas House Bill HB2713

Texas 2009 - 81st Regular

Caption

Relating to health benefit plan coverage for acute or chronic medical conditions.

Impact

The enactment of HB 2713 would have considerable implications for health insurance providers in Texas. By mandating a minimum lifetime benefit for chronic or acute health conditions, the bill is expected to enhance the coverage offered by health plans, particularly benefiting individuals diagnosed with severe illnesses. This change would encourage insurance companies to provide more comprehensive policies and ensure that policyholders receive sufficient financial backing for long-term treatment.

Summary

House Bill 2713 aims to amend the Texas Insurance Code by introducing new regulations governing health benefit plans that cover acute or chronic medical conditions. The bill establishes Chapter 1377, which stipulates that any health benefit plan limiting the maximum lifetime benefits for such conditions cannot set the limit below $5 million. This amendment targets a gap in health coverage, ensuring that Texans with significant medical needs are not left with inadequate financial support during critical health challenges.

Contention

As with many healthcare-related bills, discussions surrounding HB 2713 may bring forth notable points of contention. Supporters are likely to highlight the positive impact on those suffering from chronic conditions and the necessity of financial security in healthcare coverage. However, critics could argue that imposing such requirements on insurers may lead to increased premiums or reduce the variety of available plans. The balance between adequate health coverage and the economic implications for insurance providers remains a central theme in the debate over the bill.