Insurance coverage

The governor of Ill. Pritzker signs consumer protection bills for health insurance coverage – InsuranceNewsNet

Chicago, Ill., May 27 — Governor JB Pritzker, D-Illinoisissued the following press release on May 26, 2022:

Governor Pritzker today signed HB4703, SB3910 and HB0836 into law to increase protections and access for Illinois health insurance consumers. These invoices help implement fair and transparent billing practices and provide better access to information about enrollment options.

Specifically, HB4703 addresses surprise medical billing, which is one of the most common reasons people file health insurance complaints. The new law grants the Illinois Department of Insurance (IDOI) an additional authority to help consumers facing astronomical bills because they unknowingly or mistakenly received care from out-of-network hospitals or doctors.

“Health care is a right, not a privilege, and surprise medical billing further deters Illinois from getting the care they need,” Governor JB Pritzker said. “From day one, my administration has worked to expand access to affordable, quality health care. We capped the price of insulin, reduced the Medicaid backlog, and signed into law the health care accessibility. I am proud to sign these bills into law to advance this crucial work and ensure that consumers are protected in the medical billing process.”

Signed invoices include:

* HB4703 – Amends the Illinois Insurance Code and addresses surprise medical billing based on the federal No Surprises Act. The new law grants the Illinois Department of Insurance additional authority to help consumers who have been charged out-of-network rates after unknowingly or mistakenly receiving care from hospitals, doctors, and other providers they thought were in-network.

* SB3910 – Creates a disclosure requirement on health insurance and HMO member identification cards that easily identifies the regulatory entity that has authority over the plan, any maximum deductibles or disbursements applicable to the plan, as well as a phone number or website a cardholder can consult for additional information about the plan. The bill also allows the Insurance Department to enforce ID card transparency requirements that unsurprisingly federal law added to section 2799A-1(e) of the Public Health Services Act.

* HB0836 – Creates the Health Insurance Coverage Premium Misalignment Study Act. The Insurance Department oversee a study to explore rate-setting approaches that may lead to misalignment of premiums between different levels of coverage in Illinois’ individual health insurance market. The study will produce cost estimates for Illinois residents, as well as the impact of the policy on affordability and access to health insurance. It will examine uninsured rates for low- and middle-income residents with data disaggregated by geography, race, ethnicity and income level.

“Research shows that more than 137 million people in this country have recently experienced financial hardship due to medical bills, some of them unforeseen,” the lieutenant governor said. Juliana Straton. “That must change, and we are committed to creating the pathways to make it happen. These new laws will help countless families in Illinois protecting consumers’ health insurance rights and providing pathways to more accessible and transparent coverage.”

“Consumers who are already suffering from illnesses or injuries should not be further burdened with higher costs because they are unable to find an in-network provider for emergency care, or because an insurer does not there are not enough providers in the network available in a particular coverage,” said IDOI Director Dana Popish Severinghaus. “We look forward to stepping in on behalf of more Illinois insurance consumers to fight surprise medical billing.”

“I am dedicated to finding ways to ensure that health insurance is transparent and consumer-friendly. Requiring your health insurance card to provide the necessary information will ensure that consumers know where to turn for help. help when they have problems with their insurance,” the state senator said. Laura Fine (D-Glenview). “Additionally, with the adoption of the Fee Study, the Department can take the necessary steps to ensure that consumers are getting the lowest possible rates for their health care.”

“Surprise medical bills are a growing problem for people around the world,” the state representative said. Bob Morgan (D-Deerfield). “Particularly during health emergencies when people are at their most vulnerable. It’s unthinkable that you can seek treatment, only to find out later that the provider is out of network and you are now responsible for paying a much higher medical bill We passed this important legislation to give the DOI sweeping powers to protect consumers beyond what federal law provides, not surprisingly. regulators to get a clearer picture of how insurance rates are set and to look at ways to protect consumers from unnecessarily high premiums.”

“It is shameful for someone receiving medical care to experience financial hardship as a result of surprise medical billing,” the state senator said. Anne Gillespie (D-Arlington Heights). “This new law will provide even more consumer protection against exorbitant health care costs, especially at a time when many families are struggling to pay other household bills.”

“The Shriver Center on the Poverty Act congratulates the Governor, the Insurance Departmentand the General assembly for passing this consumer-focused legislation, making healthcare more transparent and protecting Illinois consumers of high and unforeseen medical costs,” said Stephanie BeckerAssociate Director of Healthcare Justice of the Shriver Center on poverty law. “The Shriver Center supports the Insurance Department in their commitment to investigate whether premiums are misaligned between different levels of coverage in the state health insurance market. Findings from this study will make health insurance more affordable for low- and middle-income people Illinois residents and have a huge impact on the more than 300,000 Illinoisans who obtain coverage through the Marketplace.”