4 | 9 | | |
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5 | 10 | | |
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6 | 11 | | A BILL TO BE ENTITLED |
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7 | 12 | | AN ACT |
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8 | 13 | | relating to required health benefit plan coverage for gender |
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9 | 14 | | transition adverse effects and reversals. |
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10 | 15 | | BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: |
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11 | 16 | | SECTION 1. Subtitle E, Title 8, Insurance Code, is amended |
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12 | 17 | | by adding Chapter 1373 to read as follows: |
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13 | 18 | | CHAPTER 1373. REQUIRED COVERAGE OF GENDER TRANSITION ADVERSE |
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14 | 19 | | EFFECTS AND REVERSALS |
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15 | 20 | | Sec. 1373.001. DEFINITIONS. In this chapter: |
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16 | 21 | | (1) "Gender transition" means a medical process by |
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17 | 22 | | which an individual's anatomy, physiology, or mental state is |
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18 | 23 | | treated or altered, including by the removal of otherwise healthy |
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19 | 24 | | organs or tissue, the introduction of implants or performance of |
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20 | 25 | | other plastic surgery, hormone treatment, or the use of drugs, |
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21 | 26 | | counseling, or therapy, for the purpose of furthering or assisting |
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22 | 27 | | the individual's identification as a member of the opposite |
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23 | 28 | | biological sex or group or demographic category that does not |
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24 | 29 | | correspond to the individual's biological sex. |
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25 | 30 | | (2) "Gender transition procedure or treatment" means a |
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26 | 31 | | medical procedure or treatment performed or provided for the |
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27 | 32 | | purpose of assisting an individual with a gender transition. |
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28 | 33 | | Sec. 1373.002. APPLICABILITY OF CHAPTER. (a) This |
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29 | 34 | | chapter applies only to a health benefit plan that provides |
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30 | 35 | | benefits for medical or surgical expenses or pharmacy benefits |
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31 | 36 | | incurred as a result of a health condition, accident, or sickness, |
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32 | 37 | | including an individual, group, blanket, or franchise insurance |
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33 | 38 | | policy or insurance agreement, a group hospital service contract, |
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34 | 39 | | or an individual or group evidence of coverage or similar coverage |
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35 | 40 | | document that is issued by: |
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36 | 41 | | (1) an insurance company; |
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37 | 42 | | (2) a group hospital service corporation operating |
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38 | 43 | | under Chapter 842; |
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39 | 44 | | (3) a health maintenance organization operating under |
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40 | 45 | | Chapter 843; |
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41 | 46 | | (4) an approved nonprofit health corporation that |
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42 | 47 | | holds a certificate of authority under Chapter 844; |
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43 | 48 | | (5) a multiple employer welfare arrangement that holds |
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44 | 49 | | a certificate of authority under Chapter 846; |
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45 | 50 | | (6) a stipulated premium company operating under |
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46 | 51 | | Chapter 884; |
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47 | 52 | | (7) a fraternal benefit society operating under |
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48 | 53 | | Chapter 885; |
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49 | 54 | | (8) a Lloyd's plan operating under Chapter 941; or |
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50 | 55 | | (9) an exchange operating under Chapter 942. |
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51 | 56 | | (b) Notwithstanding any other law, this chapter applies to: |
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52 | 57 | | (1) a small employer health benefit plan subject to |
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53 | 58 | | Chapter 1501, including coverage provided through a health group |
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54 | 59 | | cooperative under Subchapter B of that chapter; |
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55 | 60 | | (2) a standard health benefit plan issued under |
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56 | 61 | | Chapter 1507; |
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57 | 62 | | (3) a basic coverage plan under Chapter 1551; |
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58 | 63 | | (4) a basic plan under Chapter 1575; |
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59 | 64 | | (5) a primary care coverage plan under Chapter 1579; |
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60 | 65 | | (6) a plan providing basic coverage under Chapter |
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61 | 66 | | 1601; |
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62 | 67 | | (7) nonprofit agricultural organization health |
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63 | 68 | | benefits offered by a nonprofit agricultural organization under |
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64 | 69 | | Chapter 1682; |
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65 | 70 | | (8) alternative health benefit coverage offered by a |
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66 | 71 | | subsidiary of the Texas Mutual Insurance Company under Subchapter |
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67 | 72 | | M, Chapter 2054; |
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68 | 73 | | (9) group health coverage made available by a school |
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69 | 74 | | district in accordance with Section 22.004, Education Code; |
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70 | 75 | | (10) the state Medicaid program, including the |
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71 | 76 | | Medicaid managed care program operated under Chapter 540, |
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72 | 77 | | Government Code; |
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73 | 78 | | (11) the child health plan program under Chapter 62, |
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74 | 79 | | Health and Safety Code; |
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75 | 80 | | (12) a regional or local health care program operated |
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76 | 81 | | under Section 75.104, Health and Safety Code; |
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77 | 82 | | (13) a self-funded health benefit plan sponsored by a |
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78 | 83 | | professional employer organization under Chapter 91, Labor Code; |
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79 | 84 | | (14) county employee group health benefits provided |
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80 | 85 | | under Chapter 157, Local Government Code; and |
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81 | 86 | | (15) health and accident coverage provided by a risk |
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82 | 87 | | pool created under Chapter 172, Local Government Code. |
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83 | 88 | | (c) This chapter applies to coverage under a group health |
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84 | 89 | | benefit plan provided to a resident of this state regardless of |
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85 | 90 | | whether the group policy, agreement, or contract is delivered, |
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86 | 91 | | issued for delivery, or renewed in this state. |
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87 | 92 | | (d) This chapter does not apply to a self-funded health |
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88 | 93 | | benefit plan as defined by the Employee Retirement Income Security |
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89 | 94 | | Act of 1974 (29 U.S.C. Section 1001 et seq.). |
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90 | 95 | | Sec. 1373.003. REQUIRED COVERAGE. (a) A health benefit |
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91 | 96 | | plan that provides or has ever provided coverage for an enrollee's |
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92 | 97 | | gender transition procedure or treatment shall provide coverage |
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93 | 98 | | for, including for any applicable diagnostic or billing code: |
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94 | 99 | | (1) all possible adverse consequences related to the |
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95 | 100 | | enrollee's gender transition procedure or treatment, including any |
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96 | 101 | | short- or long-term side effects of the procedure or treatment; |
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97 | 102 | | (2) any baseline and follow-up testing or screening |
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98 | 103 | | necessary to monitor the mental and physical health of the enrollee |
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99 | 104 | | on at least an annual basis without regard to the sex or gender |
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100 | 105 | | identity designation in the enrollee's medical record; and |
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101 | 106 | | (3) any procedure, treatment, or therapy necessary to |
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102 | 107 | | manage, reverse, reconstruct from, or recover from the enrollee's |
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103 | 108 | | gender transition procedure or treatment. |
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104 | 109 | | (b) A health benefit plan that offers coverage for a gender |
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105 | 110 | | transition procedure or treatment shall also provide the coverage |
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106 | 111 | | described by Subsection (a) to any enrollee who has undergone a |
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107 | 112 | | gender transition procedure or treatment regardless of whether the |
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108 | 113 | | enrollee was enrolled in the plan at the time of the procedure or |
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109 | 114 | | treatment. |
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110 | 115 | | SECTION 2. If before implementing any provision of this Act |
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111 | 116 | | a state agency determines that a waiver or authorization from a |
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112 | 117 | | federal agency is necessary for implementation of that provision, |
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113 | 118 | | the agency affected by the provision shall request the waiver or |
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114 | 119 | | authorization and may delay implementing that provision until the |
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115 | 120 | | waiver or authorization is granted. |
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116 | 121 | | SECTION 3. Section 1373.003, Insurance Code, as added by |
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117 | 122 | | this Act, applies only to a health benefit plan that is delivered, |
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118 | 123 | | issued for delivery, or renewed on or after January 1, 2026. |
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119 | 124 | | SECTION 4. This Act takes effect September 1, 2025. |
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