Texas Senate Bill SB1054

Texas 2019 - 86th Regular

Caption

Relating to prohibited practices by an insurer that issues a preferred provider benefit plan regarding use of freestanding emergency medical care facilities.

Impact

The bill's enactment would amend the Texas Insurance Code by introducing new regulations on how insurers interact with patients seeking emergency care. By categorizing the encouragement to avoid freestanding emergency care facilities as an unfair method of competition or a deceptive act, SB1054 aims to protect consumers from practices that could limit their access to emergency services. The law is expected to reinforce the rights of patients and ensure they are informed about their options without undue influence from insurers regarding where they can receive care.

Summary

SB1054 aims to prevent unfair practices by insurers that issue preferred provider benefit plans in relation to the use of freestanding emergency medical care facilities. Specifically, the bill prohibits insurers from encouraging or instructing insured individuals to avoid seeking health care services at these facilities. The rationale behind the bill is to ensure that patients have the right to choose where they receive emergency medical care without facing pressure from their insurance providers. This change in law is intended to enhance patient autonomy and access to emergency services.

Contention

Opposition may arise from insurance companies that view the bill as a limitation on their operational practices. Insurers might argue that they have the right to manage costs and guide patients towards specific facilities. Conversely, proponents of the bill emphasize the importance of patient rights and ensuring access to medical care without insurer interference. This debate highlights the balance between cost management by insurers and the rights of individuals to make choices about their health care.