1 | 1 | | I |
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2 | 2 | | 119THCONGRESS |
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3 | 3 | | 1 |
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4 | 4 | | STSESSION H. R. 267 |
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5 | 5 | | To amend the Public Health Service Act to provide for hospital and insurer |
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6 | 6 | | price transparency. |
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7 | 7 | | IN THE HOUSE OF REPRESENTATIVES |
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8 | 8 | | JANUARY9, 2025 |
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9 | 9 | | Mr. D |
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10 | 10 | | AVIDSONintroduced the following bill; which was referred to the |
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11 | 11 | | Committee on Energy and Commerce |
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12 | 12 | | A BILL |
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13 | 13 | | To amend the Public Health Service Act to provide for |
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14 | 14 | | hospital and insurer price transparency. |
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15 | 15 | | Be it enacted by the Senate and House of Representa-1 |
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16 | 16 | | tives of the United States of America in Congress assembled, 2 |
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17 | 17 | | SECTION 1. SHORT TITLE. 3 |
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18 | 18 | | This Act may be cited as the ‘‘Health Care Prices 4 |
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19 | 19 | | Revealed and Information to Consumers Explained Trans-5 |
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20 | 20 | | parency Act’’ or the ‘‘Health Care PRICE Transparency 6 |
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21 | 21 | | Act’’. 7 |
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24 | 24 | | •HR 267 IH |
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25 | 25 | | SEC. 2. PRICE TRANSPARENCY REQUIREMENTS. 1 |
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26 | 26 | | (a) H |
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27 | 27 | | OSPITALS.—Section 2718(e) of the Public 2 |
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28 | 28 | | Health Service Act (42 U.S.C. 300gg–18(e)) is amend-3 |
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29 | 29 | | ed— 4 |
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30 | 30 | | (1) by striking ‘‘Each hospital’’ and inserting 5 |
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31 | 31 | | the following: 6 |
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32 | 32 | | ‘‘(1) I |
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33 | 33 | | N GENERAL.—Each hospital’’; 7 |
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34 | 34 | | (2) by inserting ‘‘, in plain language without 8 |
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35 | 35 | | subscription and free of charge, in a consumer- 9 |
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36 | 36 | | friendly, machine-readable format,’’ after ‘‘a list’’; 10 |
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37 | 37 | | and 11 |
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38 | 38 | | (3) by adding at the end the following: ‘‘Each 12 |
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39 | 39 | | hospital shall include in its list of standard charges, 13 |
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40 | 40 | | along with such additional information as the Sec-14 |
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41 | 41 | | retary may require with respect to such charges for 15 |
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42 | 42 | | purposes of promoting public awareness of hospital 16 |
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43 | 43 | | pricing in advance of receiving a hospital item or 17 |
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44 | 44 | | service, as applicable, the following: 18 |
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45 | 45 | | ‘‘(A) A description of each item or service 19 |
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46 | 46 | | provided by the hospital. 20 |
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47 | 47 | | ‘‘(B) The gross charge. 21 |
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48 | 48 | | ‘‘(C) Any payer-specific negotiated charge 22 |
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49 | 49 | | clearly associated with the name of the third 23 |
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50 | 50 | | party payer and plan. 24 |
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51 | 51 | | ‘‘(D) The de-identified minimum nego-25 |
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52 | 52 | | tiated charge. 26 |
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54 | 54 | | ssavage on LAPJG3WLY3PROD with BILLS 3 |
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55 | 55 | | •HR 267 IH |
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56 | 56 | | ‘‘(E) The de-identified maximum nego-1 |
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57 | 57 | | tiated charge. 2 |
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58 | 58 | | ‘‘(F) The discounted cash price. 3 |
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59 | 59 | | ‘‘(G) Any code used by the hospital for 4 |
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60 | 60 | | purposes of accounting or billing, including 5 |
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61 | 61 | | Current Procedural Terminology (CPT) code, 6 |
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62 | 62 | | the Healthcare Common Procedure Coding Sys-7 |
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63 | 63 | | tem (HCPCS) code, the Diagnosis Related 8 |
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64 | 64 | | Group (DRG), the National Drug Code (NDC), 9 |
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65 | 65 | | or other common payer identifier. 10 |
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66 | 66 | | ‘‘(2) D |
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67 | 67 | | ELIVERY METHODS AND USE .— 11 |
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68 | 68 | | ‘‘(A) I |
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69 | 69 | | N GENERAL.—Each hospital shall 12 |
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70 | 70 | | make public the standard charges described in 13 |
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71 | 71 | | paragraph (1) for as many of the 70 Centers 14 |
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72 | 72 | | for Medicaid & Medicare Services-specified 15 |
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73 | 73 | | shoppable services that are provided by the hos-16 |
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74 | 74 | | pital, and as many additional hospital-selected 17 |
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75 | 75 | | shoppable services as may be necessary for a 18 |
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76 | 76 | | combined total of at least 300 shoppable serv-19 |
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77 | 77 | | ices, including the rate at which a hospital pro-20 |
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78 | 78 | | vides and bills for that shoppable service. If a 21 |
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79 | 79 | | hospital does not provide 300 shoppable services 22 |
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80 | 80 | | in accordance with the previous sentence, the 23 |
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81 | 81 | | hospital shall make public the information spec-24 |
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84 | 84 | | •HR 267 IH |
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85 | 85 | | ified under paragraph (1) for as many 1 |
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86 | 86 | | shoppable services as it provides. 2 |
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87 | 87 | | ‘‘(B) D |
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88 | 88 | | ETERMINATION BY CMS .—A hos-3 |
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89 | 89 | | pital shall be deemed by the Centers for Medi-4 |
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90 | 90 | | care & Medicaid Services to meet the require-5 |
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91 | 91 | | ments of subparagraph (A) if the hospital main-6 |
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92 | 92 | | tains an internet-based price estimator tool that 7 |
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93 | 93 | | meets the following requirements: 8 |
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94 | 94 | | ‘‘(i) The tool provides estimates for as 9 |
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95 | 95 | | many of the 70 specified shoppable services 10 |
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96 | 96 | | that are provided by the hospital, and as 11 |
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97 | 97 | | many additional hospital-selected 12 |
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98 | 98 | | shoppable services as may be necessary for 13 |
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99 | 99 | | a combined total of at least 300 shoppable 14 |
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100 | 100 | | services. 15 |
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101 | 101 | | ‘‘(ii) The tool allows health care con-16 |
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102 | 102 | | sumers to, at the time they use the tool, 17 |
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103 | 103 | | obtain an estimate of the amount they will 18 |
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104 | 104 | | be obligated to pay the hospital for the 19 |
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105 | 105 | | shoppable service. 20 |
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106 | 106 | | ‘‘(iii) The tool is prominently dis-21 |
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107 | 107 | | played on the hospital’s website and easily 22 |
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108 | 108 | | accessible to the public, without subscrip-23 |
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109 | 109 | | tion, fee, or having to submit personal 24 |
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110 | 110 | | identifying information (PII), and search-25 |
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112 | 112 | | ssavage on LAPJG3WLY3PROD with BILLS 5 |
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113 | 113 | | •HR 267 IH |
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114 | 114 | | able by service description, billing code, 1 |
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115 | 115 | | and payer. 2 |
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116 | 116 | | ‘‘(3) D |
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117 | 117 | | EFINITIONS.—Notwithstanding any other 3 |
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118 | 118 | | provision of law, for the purpose of paragraphs (1) 4 |
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119 | 119 | | and (2): 5 |
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120 | 120 | | ‘‘(A) D |
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121 | 121 | | E-IDENTIFIED MAXIMUM NEGO -6 |
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122 | 122 | | TIATED CHARGE.—The term ‘de-identified max-7 |
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123 | 123 | | imum negotiated charge’ means the highest 8 |
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124 | 124 | | charge that a hospital has negotiated with all 9 |
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125 | 125 | | third party payers for an item or service. 10 |
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126 | 126 | | ‘‘(B) D |
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127 | 127 | | E-IDENTIFIED MINIMUM NEGO -11 |
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128 | 128 | | TIATED CHARGE.—The term ‘de-identified min-12 |
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129 | 129 | | imum negotiated charge’ means the lowest 13 |
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130 | 130 | | charge that a hospital has negotiated with all 14 |
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131 | 131 | | third party payers for an item or service. 15 |
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132 | 132 | | ‘‘(C) D |
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133 | 133 | | ISCOUNTED CASH PRICE .—The 16 |
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134 | 134 | | term ‘discounted cash price’ means the charge 17 |
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135 | 135 | | that applies to an individual who pays cash, or 18 |
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136 | 136 | | cash equivalent, for a hospital item or service. 19 |
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137 | 137 | | Hospitals that do not offer self-pay discounts 20 |
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138 | 138 | | may display the hospital’s undiscounted gross 21 |
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139 | 139 | | charges as found in the hospital chargemaster. 22 |
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140 | 140 | | ‘‘(D) G |
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141 | 141 | | ROSS CHARGE.—The term ‘gross 23 |
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142 | 142 | | charge’ means the charge for an individual item 24 |
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145 | 145 | | •HR 267 IH |
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146 | 146 | | or service that is reflected on a hospital’s 1 |
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147 | 147 | | chargemaster, absent any discounts. 2 |
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148 | 148 | | ‘‘(E) P |
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149 | 149 | | AYER-SPECIFIC NEGOTIATED 3 |
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150 | 150 | | CHARGE.—The term ‘payer-specific negotiated 4 |
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151 | 151 | | charge’ means the charge that a hospital has 5 |
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152 | 152 | | negotiated with a third party payer for an item 6 |
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153 | 153 | | or service. 7 |
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154 | 154 | | ‘‘(F) S |
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155 | 155 | | HOPPABLE SERVICE .—The term 8 |
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156 | 156 | | ‘shoppable service’ means a service that can be 9 |
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157 | 157 | | scheduled by a health care consumer in ad-10 |
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158 | 158 | | vance. 11 |
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159 | 159 | | ‘‘(G) S |
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160 | 160 | | TANDARD CHARGES .—The term 12 |
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161 | 161 | | ‘standard charges’ means the regular rate es-13 |
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162 | 162 | | tablished by the hospital for an item or service, 14 |
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163 | 163 | | including both individual items and services and 15 |
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164 | 164 | | service packages, provided to a specific group of 16 |
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165 | 165 | | paying patients, including the gross charge, the 17 |
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166 | 166 | | payer-specific negotiated charge, the discounted 18 |
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167 | 167 | | cash price, the de-identified minimum nego-19 |
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168 | 168 | | tiated charge, the de-identified maximum nego-20 |
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169 | 169 | | tiated charge, and other rates determined by 21 |
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170 | 170 | | the Secretary. 22 |
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171 | 171 | | ‘‘(H) T |
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172 | 172 | | HIRD PARTY PAYER .—The term 23 |
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173 | 173 | | ‘third party payer’ means an entity that is, by 24 |
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174 | 174 | | statute, contract, or agreement, legally respon-25 |
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176 | 176 | | ssavage on LAPJG3WLY3PROD with BILLS 7 |
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177 | 177 | | •HR 267 IH |
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178 | 178 | | sible for payment of a claim for a health care 1 |
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179 | 179 | | item or service. 2 |
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180 | 180 | | ‘‘(4) E |
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181 | 181 | | NFORCEMENT.—In addition to any other 3 |
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182 | 182 | | enforcement actions or penalties that may apply 4 |
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183 | 183 | | under subsection (b)(3) or another provision of law, 5 |
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184 | 184 | | a hospital that fails to provide the information re-6 |
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185 | 185 | | quired by this subsection and has not completed a 7 |
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186 | 186 | | corrective action plan to comply with the require-8 |
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187 | 187 | | ments of such subsection shall be subject to a civil 9 |
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188 | 188 | | monetary penalty of an amount not to exceed $300 10 |
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189 | 189 | | per day that the violation is ongoing as determined 11 |
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190 | 190 | | by the Secretary. Such penalty shall be imposed and 12 |
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191 | 191 | | collected in the same manner as civil money pen-13 |
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192 | 192 | | alties under subsection (a) of section 1128A of the 14 |
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193 | 193 | | Social Security Act are imposed and collected.’’. 15 |
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194 | 194 | | (b) T |
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195 | 195 | | RANSPARENCY IN COVERAGE.—Section 16 |
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196 | 196 | | 1311(e)(3) of the Patient Protection and Affordable Care 17 |
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197 | 197 | | Act (42 U.S.C. 18031(e)(3)) is amended— 18 |
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198 | 198 | | (1) in subparagraph (A)— 19 |
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199 | 199 | | (A) by redesignating clause (ix) as clause 20 |
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200 | 200 | | (xii); and 21 |
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201 | 201 | | (B) by inserting after clause (viii), the fol-22 |
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202 | 202 | | lowing: 23 |
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203 | 203 | | ‘‘(ix) In-network provider rates for 24 |
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204 | 204 | | covered items and services. 25 |
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207 | 207 | | •HR 267 IH |
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208 | 208 | | ‘‘(x) Out-of-network allowed amounts 1 |
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209 | 209 | | and billed charges for covered items and 2 |
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210 | 210 | | services. 3 |
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211 | 211 | | ‘‘(xi) Negotiated rates and historical 4 |
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212 | 212 | | net prices for covered prescription drugs.’’; 5 |
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213 | 213 | | (2) in subparagraph (B)— 6 |
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214 | 214 | | (A) in the heading, by striking ‘‘ |
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215 | 215 | | USE’’ and 7 |
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216 | 216 | | inserting ‘‘ |
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217 | 217 | | DELIVERY METHODS AND USE ’’; 8 |
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218 | 218 | | (B) by inserting ‘‘and subparagraph (C)’’ 9 |
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219 | 219 | | after ‘‘subparagraph (A)’’; 10 |
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220 | 220 | | (C) by inserting ‘‘, as applicable,’’ after 11 |
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221 | 221 | | ‘‘English proficiency’’; and 12 |
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222 | 222 | | (D) by inserting after the second sentence, 13 |
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223 | 223 | | the following: ‘‘The Secretary shall establish 14 |
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224 | 224 | | standards for the methods and formats for dis-15 |
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225 | 225 | | closing information to individuals. At a min-16 |
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226 | 226 | | imum, these standards shall include the fol-17 |
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227 | 227 | | lowing: 18 |
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228 | 228 | | ‘‘(i) An internet-based self-service tool 19 |
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229 | 229 | | to provide information to an individual in 20 |
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230 | 230 | | plain language, without subscription and 21 |
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231 | 231 | | free of charge, in a machine readable for-22 |
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232 | 232 | | mat, through a self-service tool on an 23 |
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233 | 233 | | internet website that provides real-time re-24 |
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234 | 234 | | sponses based on cost-sharing information 25 |
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236 | 236 | | ssavage on LAPJG3WLY3PROD with BILLS 9 |
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237 | 237 | | •HR 267 IH |
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238 | 238 | | that is accurate at the time of the request 1 |
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239 | 239 | | that allows, at a minimum, users to— 2 |
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240 | 240 | | ‘‘(I) search for cost-sharing infor-3 |
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241 | 241 | | mation for a covered item or service 4 |
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242 | 242 | | provided by a specific in-network pro-5 |
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243 | 243 | | vider or by all in-network providers; 6 |
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244 | 244 | | ‘‘(II) search for an out-of-net-7 |
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245 | 245 | | work allowed amount, percentage of 8 |
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246 | 246 | | billed charges, or other rate that pro-9 |
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247 | 247 | | vides a reasonably accurate estimate 10 |
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248 | 248 | | of the amount an insurer will pay for 11 |
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249 | 249 | | a covered item or service provided by 12 |
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250 | 250 | | out-of-network providers; and 13 |
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251 | 251 | | ‘‘(III) refine and reorder search 14 |
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252 | 252 | | results based on geographic proximity 15 |
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253 | 253 | | of in-network providers, and the 16 |
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254 | 254 | | amount of the individual’s cost-shar-17 |
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255 | 255 | | ing liability for the covered item or 18 |
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256 | 256 | | service, to the extent the search for 19 |
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257 | 257 | | cost-sharing information for covered 20 |
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258 | 258 | | items or services returns multiple re-21 |
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259 | 259 | | sults. 22 |
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260 | 260 | | ‘‘(ii) In paper form at the request of 23 |
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261 | 261 | | the individual that includes no fewer than 24 |
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262 | 262 | | 20 providers per request with respect to 25 |
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264 | 264 | | ssavage on LAPJG3WLY3PROD with BILLS 10 |
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265 | 265 | | •HR 267 IH |
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266 | 266 | | which cost-sharing information for covered 1 |
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267 | 267 | | items and services is provided, and dis-2 |
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268 | 268 | | closes the applicable provider per-request 3 |
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269 | 269 | | limit to the individual, mailed to the indi-4 |
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270 | 270 | | vidual not later than 2 business days after 5 |
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271 | 271 | | receiving an individual’s request.’’; 6 |
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272 | 272 | | (3) in subparagraph (C)— 7 |
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273 | 273 | | (A) in the first sentence— 8 |
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274 | 274 | | (i) by striking ‘‘The Exchange’’ and 9 |
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275 | 275 | | inserting the following: 10 |
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276 | 276 | | ‘‘(i) I |
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277 | 277 | | N GENERAL.—The Exchange’’; 11 |
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278 | 278 | | (ii) by inserting ‘‘or out-of-network 12 |
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279 | 279 | | provider’’ after ‘‘item or service by a par-13 |
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280 | 280 | | ticipating provider’’; and 14 |
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281 | 281 | | (iii) by inserting before the period the 15 |
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282 | 282 | | following: ‘‘the following information: 16 |
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283 | 283 | | ‘‘(i) An estimate of an individual’s 17 |
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284 | 284 | | cost-sharing liability for a requested cov-18 |
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285 | 285 | | ered item or service furnished by a pro-19 |
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286 | 286 | | vider, which shall reflect any cost-sharing 20 |
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287 | 287 | | reductions the individual would receive. 21 |
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288 | 288 | | ‘‘(ii) A description of the accumulated 22 |
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289 | 289 | | amounts. 23 |
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292 | 292 | | •HR 267 IH |
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293 | 293 | | ‘‘(iii) The in-network rate, including 1 |
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294 | 294 | | negotiated rates and underlying fee sched-2 |
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295 | 295 | | ule rates. 3 |
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296 | 296 | | ‘‘(iv) The out-of-network allowed 4 |
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297 | 297 | | amount or any other rate that provides a 5 |
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298 | 298 | | more accurate estimate of an amount an 6 |
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299 | 299 | | issuer will pay, including the percent reim-7 |
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300 | 300 | | bursed by insurers to out-of-network pro-8 |
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301 | 301 | | viders, for the requested covered item or 9 |
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302 | 302 | | service furnished by an out-of-network pro-10 |
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303 | 303 | | vider. 11 |
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304 | 304 | | ‘‘(v) A list of the items and services 12 |
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305 | 305 | | included in bundled payment arrangements 13 |
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306 | 306 | | for which cost-sharing information is being 14 |
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307 | 307 | | disclosed. 15 |
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308 | 308 | | ‘‘(vi) A notification that coverage of a 16 |
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309 | 309 | | specific item or service is subject to a pre-17 |
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310 | 310 | | requisite, if applicable. 18 |
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311 | 311 | | ‘‘(vii) A notice that includes the fol-19 |
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312 | 312 | | lowing information: 20 |
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313 | 313 | | ‘‘(I) A statement that out-of-net-21 |
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314 | 314 | | work providers may bill individuals for 22 |
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315 | 315 | | the difference, including the balance 23 |
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316 | 316 | | billing, between a provider’s billed 24 |
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317 | 317 | | charges and the sum of the amount 25 |
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319 | 319 | | ssavage on LAPJG3WLY3PROD with BILLS 12 |
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320 | 320 | | •HR 267 IH |
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321 | 321 | | collected from the insurer in the form 1 |
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322 | 322 | | of a copayment or coinsurance 2 |
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323 | 323 | | amount and the cost-sharing informa-3 |
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324 | 324 | | tion. 4 |
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325 | 325 | | ‘‘(II) A statement that the actual 5 |
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326 | 326 | | charges for an individual’s covered 6 |
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327 | 327 | | item or service may be different from 7 |
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328 | 328 | | an estimate of cost-sharing liability 8 |
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329 | 329 | | depending on the actual items or serv-9 |
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330 | 330 | | ices the individual receives at the 10 |
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331 | 331 | | point of care. 11 |
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332 | 332 | | ‘‘(III) A statement that the esti-12 |
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333 | 333 | | mate of cost-sharing liability for a 13 |
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334 | 334 | | covered item or service is not a guar-14 |
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335 | 335 | | antee that benefits will be provided 15 |
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336 | 336 | | for that item or service. 16 |
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337 | 337 | | ‘‘(IV) A statement disclosing 17 |
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338 | 338 | | whether the plan counts copayment 18 |
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339 | 339 | | assistance and other third-party pay-19 |
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340 | 340 | | ments in the calculation of the indi-20 |
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341 | 341 | | vidual’s deductible and out-of-pocket 21 |
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342 | 342 | | maximum. 22 |
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343 | 343 | | ‘‘(V) For items and services that 23 |
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344 | 344 | | are recommended preventive services 24 |
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345 | 345 | | under section 2713 of the Public 25 |
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348 | 348 | | •HR 267 IH |
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349 | 349 | | Health Service Act, a statement that 1 |
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350 | 350 | | an in-network item or service may not 2 |
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351 | 351 | | be subject to cost-sharing if it is billed 3 |
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352 | 352 | | as a preventive service in the insurer 4 |
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353 | 353 | | cannot determine whether the request 5 |
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354 | 354 | | is for a preventive or non-preventive 6 |
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355 | 355 | | item or service. 7 |
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356 | 356 | | ‘‘(VI) Any additional informa-8 |
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357 | 357 | | tion, including other disclaimers, that 9 |
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358 | 358 | | the insurer determines is appropriate, 10 |
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359 | 359 | | provided the additional information 11 |
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360 | 360 | | does not conflict with the information 12 |
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361 | 361 | | required to be provided by this sub-13 |
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362 | 362 | | section.’’; 14 |
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363 | 363 | | (B) by striking the second sentence; and 15 |
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364 | 364 | | (C) by adding at the end the following: 16 |
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365 | 365 | | ‘‘(ii) D |
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366 | 366 | | EFINITIONS.—Notwithstanding 17 |
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367 | 367 | | any other provision of law, for the purpose 18 |
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368 | 368 | | of this subparagraph and subparagraphs 19 |
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369 | 369 | | (A) and (B): 20 |
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370 | 370 | | ‘‘(I) A |
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371 | 371 | | CCUMULATED AMOUNTS .— 21 |
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372 | 372 | | The term ‘accumulated amounts’ 22 |
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373 | 373 | | means the amount of financial respon-23 |
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374 | 374 | | sibility an individual has incurred at 24 |
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375 | 375 | | the time a request for cost-sharing in-25 |
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377 | 377 | | ssavage on LAPJG3WLY3PROD with BILLS 14 |
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378 | 378 | | •HR 267 IH |
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379 | 379 | | formation is made, with respect to a 1 |
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380 | 380 | | deductible or out-of-pocket limit, in-2 |
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381 | 381 | | cluding any expense that counts to-3 |
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382 | 382 | | ward a deductible or out-of-pocket 4 |
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383 | 383 | | limit, but exclude any expense that 5 |
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384 | 384 | | does not count toward a deductible or 6 |
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385 | 385 | | out-of-pocket limit. To the extent an 7 |
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386 | 386 | | insurer imposes a cumulative treat-8 |
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387 | 387 | | ment limitation on a particular cov-9 |
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388 | 388 | | ered item or service independent of in-10 |
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389 | 389 | | dividual medical necessity determina-11 |
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390 | 390 | | tions, the amount that has accrued to-12 |
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391 | 391 | | ward the limit on the item or service. 13 |
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392 | 392 | | ‘‘(II) H |
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393 | 393 | | ISTORICAL NET PRICE.— 14 |
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394 | 394 | | The term ‘historical net price’ means 15 |
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395 | 395 | | the retrospective average amount an 16 |
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396 | 396 | | insurer paid for a prescription drug, 17 |
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397 | 397 | | inclusive of any reasonably allocated 18 |
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398 | 398 | | rebates, discounts, chargebacks, fees, 19 |
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399 | 399 | | and any additional price concessions 20 |
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400 | 400 | | received by the insurer with respect to 21 |
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401 | 401 | | the prescription drug. The allocation 22 |
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402 | 402 | | shall be determined by dollar value for 23 |
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403 | 403 | | non-product specific and product-spe-24 |
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404 | 404 | | cific rebates, discounts, chargebacks, 25 |
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406 | 406 | | ssavage on LAPJG3WLY3PROD with BILLS 15 |
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407 | 407 | | •HR 267 IH |
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408 | 408 | | fees, and other price concessions to 1 |
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409 | 409 | | the extent that the total amount of 2 |
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410 | 410 | | any such price concession is known to 3 |
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411 | 411 | | the insurer at the time of publication 4 |
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412 | 412 | | of the historical net price. 5 |
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413 | 413 | | ‘‘(III) N |
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414 | 414 | | EGOTIATED RATE.—The 6 |
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415 | 415 | | term ‘negotiated rate’ means the 7 |
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416 | 416 | | amount a plan or issuer has contrac-8 |
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417 | 417 | | tually agreed to pay for a covered 9 |
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418 | 418 | | item or service, whether directly or in-10 |
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419 | 419 | | directly through a third party admin-11 |
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420 | 420 | | istrator or pharmacy benefit manager, 12 |
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421 | 421 | | to an in-network provider, including 13 |
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422 | 422 | | an in-network pharmacy or other pre-14 |
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423 | 423 | | scription drug dispenser, for covered 15 |
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424 | 424 | | items or services. 16 |
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425 | 425 | | ‘‘(IV) O |
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426 | 426 | | UT-OF-NETWORK AL -17 |
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427 | 427 | | LOWED AMOUNT .—The term ‘out-of- 18 |
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428 | 428 | | network allowed amount’ means the 19 |
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429 | 429 | | maximum amount an insurer will pay 20 |
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430 | 430 | | for a covered item or service furnished 21 |
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431 | 431 | | by an out-of-network provider. 22 |
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432 | 432 | | ‘‘(V) O |
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433 | 433 | | UT-OF-NETWORK LIMIT.— 23 |
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434 | 434 | | The term ‘out-of-network limit’ means 24 |
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435 | 435 | | the maximum amount that an indi-25 |
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437 | 437 | | ssavage on LAPJG3WLY3PROD with BILLS 16 |
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438 | 438 | | •HR 267 IH |
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439 | 439 | | vidual is required to pay during a cov-1 |
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440 | 440 | | erage period for his or her share of 2 |
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441 | 441 | | the costs of covered items and services 3 |
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442 | 442 | | under his or her plan or coverage, in-4 |
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443 | 443 | | cluding for self-only and other than 5 |
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444 | 444 | | self-only coverage, as applicable. 6 |
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445 | 445 | | ‘‘(VI) U |
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446 | 446 | | NDERLYING FEE SCHED -7 |
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447 | 447 | | ULE RATES.—The term ‘underlying 8 |
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448 | 448 | | fee schedule rates’ means the rate for 9 |
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449 | 449 | | an item or service that a plan or 10 |
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450 | 450 | | issuer uses to determine a partici-11 |
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451 | 451 | | pant’s, beneficiary’s, or enrollee’s 12 |
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452 | 452 | | cost-sharing liability from a particular 13 |
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453 | 453 | | provider or providers, when the rate is 14 |
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454 | 454 | | different from the negotiated rate.’’; 15 |
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455 | 455 | | (4) in subparagraph (D), by striking ‘‘subpara-16 |
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456 | 456 | | graph (A)’’ and inserting ‘‘subparagraphs (A), (B), 17 |
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457 | 457 | | and (C)’’; and 18 |
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458 | 458 | | (5) by adding at the end the following: 19 |
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459 | 459 | | ‘‘(F) A |
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460 | 460 | | PPLICATION OF PARAGRAPH .—In 20 |
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461 | 461 | | addition to qualified health plans (and plans 21 |
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462 | 462 | | seeking certification as qualified health plans), 22 |
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463 | 463 | | this paragraph (as amended by the Health Care 23 |
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464 | 464 | | Prices Revealed and Information to Consumers 24 |
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465 | 465 | | Explained Transparency Act) shall apply to 25 |
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467 | 467 | | ssavage on LAPJG3WLY3PROD with BILLS 17 |
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468 | 468 | | •HR 267 IH |
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469 | 469 | | group health plans (including self-insured and 1 |
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470 | 470 | | fully insured plans) and health insurance cov-2 |
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471 | 471 | | erage (as such terms are defined in section 3 |
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472 | 472 | | 2791 of the Public Health Service Act).’’. 4 |
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473 | 473 | | Æ |
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475 | 475 | | ssavage on LAPJG3WLY3PROD with BILLS |
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