House
File
491
-
Introduced
HOUSE
FILE
491
BY
BENNETT
,
STAED
,
BROWN-POWERS
,
HUNTER
,
ABDUL-SAMAD
,
KEARNS
,
T.
TAYLOR
,
MEYER
,
RUNNING-MARQUARDT
,
FINKENAUER
,
and
M.
SMITH
A
BILL
FOR
An
Act
relating
to
preexisting
condition
exclusions
in
certain
1
coverage
for
health
care
services,
and
including
effective
2
and
applicability
date
provisions.
3
BE
IT
ENACTED
BY
THE
GENERAL
ASSEMBLY
OF
THE
STATE
OF
IOWA:
4
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491
Section
1.
PREEXISTING
CONDITION
EXCLUSIONS
PROHIBITED.
1
1.
Notwithstanding
the
uniformity
of
treatment
requirements
2
of
section
514C.6,
a
policy,
contract,
or
plan
providing
for
3
third-party
payment
or
prepayment
of
health
or
medical
expenses
4
shall
not
impose
a
preexisting
condition
exclusion
with
respect
5
to
coverage
for
services
provided
under
the
policy,
contract,
6
or
plan.
7
2.
This
section
applies
to
the
following
classes
of
8
third-party
payment
provider
policies,
contracts,
or
plans
9
delivered,
issued
for
delivery,
continued,
or
renewed
in
this
10
state:
11
a.
Individual
or
group
accident
and
sickness
insurance
12
providing
coverage
on
an
expense-incurred
basis.
13
b.
An
individual
or
group
hospital
or
medical
service
14
contract
issued
pursuant
to
chapter
509,
514,
or
514A.
15
c.
An
individual
or
group
health
maintenance
organization
16
contract
regulated
under
chapter
514B.
17
d.
A
plan
established
pursuant
to
chapter
509A
for
public
18
employees.
19
e.
An
organized
delivery
system
licensed
by
the
director
of
20
public
health.
21
Sec.
2.
EFFECTIVE
DATE.
This
Act
takes
effect
upon
the
22
enactment
of
any
federal
legislation
that
permits
or
has
the
23
effect
of
permitting
the
imposition
of
a
preexisting
condition
24
exclusion
with
respect
to
any
policy,
contract,
or
plan
25
providing
for
third-party
payment
or
prepayment
of
health
or
26
medical
expenses.
27
Sec.
3.
APPLICABILITY.
This
Act
applies
to
third-party
28
payment
provider
policies,
contracts,
or
plans
that
are
in
29
effect,
delivered,
issued
for
delivery,
continued,
or
renewed
30
in
this
state
on
or
after
the
effective
date
of
this
Act.
31
EXPLANATION
32
The
inclusion
of
this
explanation
does
not
constitute
agreement
with
33
the
explanation’s
substance
by
the
members
of
the
general
assembly.
34
This
bill
relates
to
preexisting
condition
exclusions
in
35
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H.F.
491
certain
coverage
for
health
care
services.
1
The
bill
prohibits
specified
individual
or
group
policies,
2
contracts,
or
plans
providing
for
third-party
payment
or
3
prepayment
of
health
or
medical
expenses
from
imposing
a
4
preexisting
condition
exclusion
with
respect
to
coverage
for
5
services
provided
under
the
policies,
contracts,
or
plans.
6
The
bill
takes
effect
upon
the
enactment
of
any
federal
7
legislation
that
permits
or
has
the
effect
of
permitting
the
8
imposition
of
a
preexisting
condition
exclusion
with
respect
to
9
any
policy,
contract,
or
plan
providing
for
third-party
payment
10
or
prepayment
of
health
or
medical
expenses.
The
bill
applies
11
to
third-party
payment
provider
policies,
contracts,
or
plans
12
that
are
in
effect,
delivered,
issued
for
delivery,
continued,
13
or
renewed
in
this
state
on
or
after
the
effective
date
of
the
14
bill.
15
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