Texas Senate Bill SB1349

Texas 2015 - 84th Regular

Caption

Relating to coordination of dental benefits under certain insurance policies.

Impact

The introduction of this bill reflects a significant adjustment to existing insurance practices related to dental coverage. By delineating the responsibilities of primary and secondary insurers, the bill seeks to standardize the way that dental benefits are coordinated across different policies, ensuring that benefits are maximized and that insured individuals receive the full extent of dental coverage available to them. This could lead to reduced financial burdens for individuals who frequently utilize dental services and possess more than one insurance policy.

Summary

SB1349 aims to amend the Texas Insurance Code with respect to the coordination of dental benefits under various insurance policies. The bill introduces provisions that clarify how dental expenses should be covered when an insured individual has multiple insurance policies. It establishes a clear hierarchy of responsibility between primary and secondary insurers for covering dental expenses, ensuring that the insured does not face undue out-of-pocket costs when multiple insurers are involved.

Contention

Some concerns have been raised about the bill's potential ramifications for insurance companies. Proponents argue that the bill is necessary to protect consumers and streamline the process of receiving dental care benefits. However, opponents may perceive the amendments as regulatory burdens that could complicate insurance pricing and administrative processes. The balance between ensuring consumer protection and maintaining manageable insurance operations could be a point of contention as the bill is discussed in the legislature.