Senate Bill #445 (2019)

AN ACT RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES

Prohibits insurance companies from varying the premium rates charged for a health coverage plan based on the gender of the individual policy holder, enrollee, subscriber, or member. Effective 1/1/2021.

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Changes since original draft

  • 2019 – S 0445
  • 2019 – S 0445 SUBSTITUTE A
  • ========
  • LC001800
  • LC001800/SUB A
  • ========
  • S TATE OF RHODE IS L AND
  • IN GENERAL ASSEMBLY
  • JANUARY SESSION, A.D. 2019
  • ____________
  • A N A C T
  • S T A T E O F R H O D E I S L A N D
  • IN GENERAL ASSEMBLY
  • JANUARY SESSION, A.D. 2019
  • ____________
  • A N A C T
  • RELATING TO INSURANCE – ACCIDENT AND SICKNESS INSURANCE POLICIES
  • Introduced By: Senators Sosnowski, Crowley, Goldin, Euer, and Valverde
  • Date Introduced: February 27, 2019
  • Referred To: Senate Health & Human Services
  • It is enacted by the GeneralAssembly as follows:
  • It is enacted by the General Assembly as follows:
  • SECTION 1. Chapter 27-18 of the General Laws entitled "Accident and Sickness Insurance Policies" is hereby amended by adding thereto the following section:
  • 27-18-85. Gender rating.
  • (a) No individual or group health insurance contract, plan, or policy delivered, issued for delivery, or renewed in this state, which provides medical coverage that includes coverage for physician services in a physician's office, and no policy which provides major medical or similar comprehensive-type coverage, excluding disability income, long-term care, and insurance supplemental policies which only provide coverage for specified diseases or other supplemental policies, shall vary the premium rate for a health coverage plan based on the gender of the individual policy holders, enrollees, subscribers, or members.
  • (b) This section shall not apply to insurance coverage providing benefits for any of the following:
  • (1) Hospital confinement indemnity;
  • (2) Disability income;
  • (3) Accident only;
  • (4) Long-term care;
  • (5) Medicare supplement;
  • (6) Limited benefit health;
  • (7) Specified disease indemnity;
  • (8) Sickness of bodily injury or death by accident or both; and
  • (9) Other limited benefit policies.
  • SECTION 2. Chapter 27-19 of the General Laws entitled "Nonprofit Hospital Service Corporations" is hereby amended by adding thereto the following section:
  • 27-19-77. Gender rating.
  • (a) No individual or group health insurance contract, plan, or policy delivered, issued for delivery, or renewed in this state, which provides medical coverage that includes coverage for physician services in a physician's office, and no policy which provides major medical or similar comprehensive-type coverage, excluding disability income, long-term care, and insurance supplemental policies which only provide coverage for specified diseases or other supplemental policies, shall vary the premium rate for a health coverage plan based on the gender of the individual policy holders, enrollees, subscribers, or members.
  • (b) This section shall not apply to insurance coverage providing benefits for any of the following:
  • (1) Hospital confinement indemnity;
  • (2) Disability income;
  • (3) Accident only;
  • (4) Long-term care;
  • (5) Medicare supplement;
  • (6) Limited benefit health;
  • (7) Specified disease indemnity;
  • (8) Sickness of bodily injury or death by accident or both; and
  • (9) Other limited benefit policies.
  • SECTION 3. Chapter 27-20 of the General Laws entitled "Nonprofit Medical Service Corporations" is hereby amended by adding thereto the following section:
  • 27-20-73. Gender rating.
  • (a) No individual or group health insurance contract, plan, or policy delivered, issued for delivery, or renewed in this state, which provides medical coverage that includes coverage for physician services in a physician's office, and no policy which provides major medical or similar comprehensive-type coverage, excluding disability income, long-term care, and insurance supplemental policies which only provide coverage for specified diseases or other supplemental policies, shall vary the premium rate for a health coverage plan based on the gender of the individual policy holders, enrollees, subscribers, or members.
  • (b) This section shall not apply to insurance coverage providing benefits for any of the
  • LC001800 - Page 2of 5 following:
  • (1) Hospital confinement indemnity;
  • (2) Disability income;
  • (3) Accident only;
  • (4) Long-term care;
  • (5) Medicare supplement;
  • (6) Limited benefit health;
  • (7) Specified disease indemnity;
  • (8) Sickness of bodily injury or death by accident or both; and
  • (9) Other limited benefit policies.
  • SECTION 4. Chapter 27-41 of the General Laws entitled "Health Maintenance Organizations" is hereby amended by adding thereto the following section:
  • 27-41-90. Gender rating.
  • (a) No individual or group health insurance contract, plan, or policy delivered, issued for delivery, or renewed in this state, which provides medical coverage that includes coverage for physician services in a physician's office, and no policy which provides major medical or similar comprehensive-type coverage, excluding disability income, long-term care, and insurance supplemental policies which only provide coverage for specified diseases or other supplemental policies, shall vary the premium rate for a health coverage plan based on the gender of the individual policy holders, enrollees, subscribers, or members.
  • (b) This section shall not apply to insurance coverage providing benefits for any of the following:
  • (1) Hospital confinement indemnity;
  • (2) Disability income;
  • (3) Accident only;
  • (4) Long-term care;
  • (5) Medicare supplement;
  • (6) Limited benefit health;
  • (7) Specified disease indemnity;
  • (8) Sickness of bodily injury or death by accident or both; and
  • (9) Other limited benefit policies.
  • LC001800 - Page 3of 5
  • SECTION 5. This act shalltake effect on January 1, 2020. ======== LC001800 ========
  • LC001800 - Page 4of 5
  • EXPLANATION
  • BY THE LEGISLATIVE COUNCIL
  • OF
  • A N A C T
  • RELATING TO INSURANCE – ACCIDENT AND SICKNESS INSURANCE POLICIES
  • (8) Sickness of bodily injury or death by accident or both; and
  • (9) Other limited benefit policies.
  • SECTION 2. Chapter 27-19 of the General Laws entitled "Nonprofit Hospital Service Corporations" is hereby amended by adding thereto the following section:
  • 27-19-77. Gender rating.
  • (a) No individual or group health insurance contract, plan, or policy delivered, issued for delivery, or renewed in this state, which provides medical coverage that includes coverage for physician services in a physician's office, and no policy which provides major medical or similar comprehensive-type coverage, excluding disability income, long-term care, and insurance supplemental policies which only provide coverage for specified diseases or other supplemental policies, shall vary the premium rate for a health coverage plan based on the gender of the individual policy holders, enrollees, subscribers, or members.
  • (b) This section shall not apply to insurance coverage providing benefits for any of the following:
  • (1) Hospital confinement indemnity;
  • (2) Disability income;
  • (3) Accident only;
  • (4) Long-term care;
  • (5) Medicare supplement;
  • (6) Limited benefit health;
  • (7) Specified disease indemnity;
  • (8) Sickness of bodily injury or death by accident or both; and
  • (9) Other limited benefit policies.
  • SECTION 3. Chapter 27-20 of the General Laws entitled "Nonprofit Medical Service Corporations" is hereby amended by adding thereto the following section:
  • 27-20-73. Gender rating.
  • (a) No individual or group health insurance contract, plan, or policy delivered, issued for delivery, or renewed in this state, which provides medical coverage that includes coverage for physician services in a physician's office, and no policy which provides major medical or similar comprehensive-type coverage, excluding disability income, long-term care, and insurance supplemental policies which only provide coverage for specified diseases or other supplemental policies, shall vary the premium rate for a health coverage plan based on the gender of the individual policy holders, enrollees, subscribers, or members.
  • (b) This section shall not apply to insurance coverage providing benefits for any of the following:
  • (1) Hospital confinement indemnity;
  • (2) Disability income;
  • (3) Accident only;
  • (4) Long-term care;
  • (5) Medicare supplement;
  • (6) Limited benefit health;
  • (7) Specified disease indemnity;
  • (8) Sickness of bodily injury or death by accident or both; and
  • (9) Other limited benefit policies.
  • SECTION 4. Chapter 27-41 of the General Laws entitled "Health Maintenance Organizations" is hereby amended by adding thereto the following section:
  • 27-41-90. Gender rating.
  • (a) No individual or group health insurance contract, plan, or policy delivered, issued for delivery, or renewed in this state, which provides medical coverage that includes coverage for physician services in a physician's office, and no policy which provides major medical or similar comprehensive-type coverage, excluding disability income, long-term care, and insurance supplemental policies which only provide coverage for specified diseases or other supplemental policies, shall vary the premium rate for a health coverage plan based on the gender of the individual policy holders, enrollees, subscribers, or members.
  • (b) This section shall not apply to insurance coverage providing benefits for any of the following:
  • (1) Hospital confinement indemnity;
  • (2) Disability income;
  • (3) Accident only;
  • (4) Long-term care;
  • (5) Medicare supplement;
  • (6) Limited benefit health;
  • (7) Specified disease indemnity;
  • (8) Sickness of bodily injury or death by accident or both; and
  • (9) Other limited benefit policies.
  • SECTION 5. This act shall take effect on January 1, 2021. ======== LC001800/SUB A ========
  • EXPLANATION
  • BY THE LEGISLATIVE COUNCIL
  • OF
  • A N A C T
  • RELATING TO INSURANCE – ACCIDENT AND SICKNESS INSURANCE POLICIES
  • ***
  • This act would prohibit insurance companies from varying the premium rates charged for a health coverage plan based on the gender of the individualpolicy holder, enrollee, subscriber, or member.
  • This act would take effect on January 1, 2020. ======== LC001800 ========
  • LC001800 - Page 5of 5
  • This act would prohibit insurance companies from varying the premium rates charged for a health coverage plan based on the gender of the individual policy holder, enrollee, subscriber, or member.
  • This act would take effect on January 1, 2021. ======== LC001800/SUB A ========

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