📚We learned a lot yesterday, and there's more to come from the INsure Health and Benefits Expo! An #Ethics CE is coming up Friday. Our instructional partners have asked for a pre-registration list to help speed up their accounting. Pre-register at bit.ly/30wsZkA.

About a month ago from ISAHU's Twitter via CoSchedule

New laws in effect across Indiana, lobbying, and bills to watch

Now more than ever, it is important to speak in one voice as we begin to meet with legislators during recess.  ISAHU is encouraging all board members to contribute to the state PAC and HUPAC at some level.  Every little bit helps.

Several new laws went into effect on 7/1 in Indiana.

  • Out-of-network billing – Starting on July 1, when patients see an out-of-network medical practitioner at an in-network facility, they can’t be charged more than the in-network price for the medical care. However, patients can be charged a higher rate if they receive a notice from their provider at least five days before the appointment with an estimated cost of the medical care and they consent to the cost.

The bill does not address whether the insurer or the medical provider has to pay the difference between the in-network and out-of-network costs. Democrats were opposed to the bill because they believe that local medical providers will have to make up the difference.

  • Vaping and tobacco age is now 21
  • Increased restrictions for panhandling – 50ft from bank, financial institution, restaurant, businesses
  • No holding cell phones while driving
  • Teacher evaluations are no longer impacted by test scores
  • Water in schools must be tested for lead

New Lobbying Firm:

  • Torchbearer has been hired as our new lobbying firm. David Berman will serve as our primary contact alongside Caryl Auslander.  The ISAHU board believes this new relationship will propel ISAHU forward to better meet the needs of our membership.
  • ISAHU is a non-partisan organization and the legislative committee will work alongside Torchbearer as it relates to local, state and national meetings with legislators and other key stakeholders.

Welcome to the ISAHU Leg. Committee Members:

  • State & Local Presidents
  • State & Local Legislative Chairs
  • Members at Large

Recess Meetings:

  • Torchbearer and ISAHU constituents will meet virtually with state & federal legislators during summer recess. David is coordinating meetings.
  • Fundraisers – please let Roger Skinner know if you have a fundraiser in your district, that we should consider contributing to.

Bills to Watch:

SEA 5 (Transparency)

Health provider contracts. Requires hospitals, ambulatory outpatient surgical centers, and urgent care facilities to post certain information on their Internet web sites about health care services they provide, including the weighted average negotiated charges for the services. Provides that an insurer that issues a group health insurance policy or a health maintenance organization that enters into a group health maintenance organization contract shall disclose to the policyholder or subscriber: (1) the amount of the commission, service fee, or brokerage fee to be paid to an insurance producer for selling, soliciting, or negotiating the policy or contract; and (2) whether the commission or fee is based on a percentage of total plan premiums or a flat per member fee. Requires that this information be disclosed at the outset and upon renewal of the policy or contract. Prohibits the inclusion in a health provider contract of a provision under which a provider (an individual or entity licensed or authorized to provide health care services) would be prohibited from disclosing health care service claims data to an employer providing the coverage. States that the inclusion of such a provision in a health care provider contract is an unfair or deceptive act or practice in the business of insurance. Requires the department of insurance to submit a request for information and a request for proposals concerning the establishment and operation of an all payer claims data base, which will receive and contain information on claims paid by insurers, health maintenance organizations, pharmacy benefit managers, and other payers. Provides that a fully credentialed provider shall be reimbursed by an insurer or health maintenance organization for eligible services provided at an in-network hospital if certain conditions are met.

SEA 184 (Farm Bureau Bill)

Nonprofit agricultural organization coverage. Authorizes a nonprofit agricultural organization to provide health benefit coverage that is: (1) sponsored by the nonprofit agricultural organization or its affiliate; (2) offered only to members of the nonprofit agricultural organization and their families; (3) deemed by the nonprofit agricultural organization to be important in assisting its members to live long and productive lives; and (4) offered in every county in Indiana. Provides that nonprofit agricultural organization coverage is not insurance and is not subject to the regulatory authority of the department of insurance, and that a nonprofit agricultural organization providing health coverage is not engaged in the business of insurance and is not required to obtain a certificate of authority. Provides that an individual may not apply for health coverage provided by a nonprofit agricultural organization until the individual has been a member of the nonprofit agricultural organization for at least 30 days. Mandates that the health coverage cover ambulatory patient services, hospitalization, emergency services, and laboratory services, and provides that the coverage may not be subject to an annual limit of less than $2,000,000 per year. Requires a nonprofit agricultural organization offering health coverage: (1) to annually file with the department of insurance a written, signed opinion of a qualified actuary that the plan reserves of the nonprofit agricultural organization and its affiliate are adequate and conform to the appropriate actuarial standards of practice; and (2) to reinsure all or a portion of its risks. Provides that an individual entering into a health coverage contract with a nonprofit agricultural organization must acknowledge in a signed writing that the coverage: (1) is not considered insurance; and (2) is not subject to the administrative rules of the department of insurance

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Indiana State Association of Health Underwriters

Indiana State Association of Health Underwriters