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Text: HF00500                           Text: HF00502
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House File 501

Partial Bill History

Bill Text

PAG LIN
  1  1    Section 1.  Section 96.3, Code 1997, is amended by adding
  1  2 the following new subsection:
  1  3    NEW SUBSECTION.  11.  HEALTH INSURANCE COVERAGE.  An
  1  4 individual who qualifies for benefits as provided in
  1  5 subsection 2 is also eligible for coverage as provided under
  1  6 section 96.3A.
  1  7    Sec. 2.  NEW SECTION.  96.3A  HEALTH INSURANCE COVERAGE FOR
  1  8 UNEMPLOYED INDIVIDUALS.
  1  9    1.  A person who is totally unemployed under section 96.3,
  1 10 subsection 2, is eligible for health insurance coverage
  1 11 providing the same coverage as provided in a basic health
  1 12 benefit plan, as defined in section 513B.2.  The coverage
  1 13 shall be provided at no expense to the unemployed person other
  1 14 than for any applicable deductible or coinsurance amount.
  1 15    2.  Coverage provided under this section is subject to
  1 16 sections 514E.5 and 514E.6.
  1 17    3.  a.  Except as otherwise provided in paragraph "d", a
  1 18 person is not eligible for coverage if the person, at the
  1 19 effective date of coverage, has or will have coverage under
  1 20 any insurance plan that has coverage nearly equivalent to the
  1 21 coverage provided in this section.  Only residents of this
  1 22 state are eligible for coverage under this section.  Coverage
  1 23 provided under this section is in excess of, and shall not
  1 24 duplicate, coverage under any other form of health insurance.
  1 25    b.  Coverage of a dependent unmarried person provided under
  1 26 this section terminates when the person becomes nineteen years
  1 27 of age or, if the person is enrolled full-time in an
  1 28 accredited educational institution, terminates at twenty-five
  1 29 years of age.  Attainment of the limiting age does not operate
  1 30 to terminate coverage when the person is and continues to be
  1 31 both of the following:
  1 32    (1)  Incapable of self-sustaining employment by reason of
  1 33 mental retardation or physical disability.
  1 34    (2)  Primarily dependent for support and maintenance upon
  1 35 the person in whose name the coverage is provided.
  2  1    Proof of incapacity and dependency must be furnished to the
  2  2 carrier within one hundred twenty days of the person's
  2  3 attainment of the limiting age, and subsequently as may be
  2  4 required by the carrier, but not more frequently than annually
  2  5 after the two-year period following the person's attainment of
  2  6 the limiting age.
  2  7    c.  Coverage for a family member of the person in whose
  2  8 name the contract is issued shall also provide, as to the
  2  9 family member's coverage, that the health insurance benefits
  2 10 applicable for children include the coverage required under
  2 11 section 514C.1.
  2 12    d.  Coverage may be excluded during a period of six months
  2 13 following the effective date of coverage as to a given covered
  2 14 individual for preexisting conditions, as long as either of
  2 15 the following exists:
  2 16    (1)  The condition has manifested itself within a period of
  2 17 six months before the effective date of coverage in such a
  2 18 manner as would cause an ordinarily prudent person to seek
  2 19 diagnosis or treatment.
  2 20    (2)  Medical advice or treatment was recommended or
  2 21 received within the period of six months immediately preceding
  2 22 the effective date of coverage.
  2 23    The preexisting condition exclusions shall be waived to the
  2 24 extent to which similar exclusions have been satisfied under
  2 25 any prior health insurance coverage which was terminated as a
  2 26 result of the individual's unemployment, if the application
  2 27 for coverage is made no later than thirty days following the
  2 28 date the individual becomes eligible for benefits under this
  2 29 chapter.
  2 30    This paragraph does not prohibit preexisting conditions
  2 31 coverage under this section that is more favorable to the
  2 32 insured than that specified in this subsection.
  2 33    If the coverage contains a waiting period for preexisting
  2 34 conditions, an insured may retain any existing coverage the
  2 35 person has under an insurance plan that has coverage nearly
  3  1 equivalent to the coverage provided under this section for the
  3  2 duration of the waiting period only.
  3  3    e.  An individual is not eligible for coverage under this
  3  4 section if any of the following apply:
  3  5    (1)  The individual is at the time of application eligible
  3  6 for medical assistance under chapter 249A.
  3  7    (2)  The individual has terminated coverage provided under
  3  8 this section within the past twelve months.
  3  9    (3)  The individual is an inmate of a public institution or
  3 10 is eligible for public programs for which medical care is
  3 11 provided.
  3 12    4.  For each fiscal year beginning on or after July 1,
  3 13 1997, the entire dollar amount of increase, as determined by
  3 14 the commissioner of insurance and certified to the director of
  3 15 the department of management, in taxes paid under chapter 432
  3 16 on premiums and payments on individual and group accident and
  3 17 health insurance policies and certificates and individual and
  3 18 group subscriber contracts under chapter 514 shall be set
  3 19 aside in a separate account within the general fund of the
  3 20 state and is appropriated solely for the purposes of
  3 21 implementing the health insurance coverage program under this
  3 22 section and providing the coverage as established in this
  3 23 section.
  3 24    5.  The director of the department of management, in
  3 25 consultation with the commissioner of insurance, shall adopt
  3 26 rules to administer this section.
  3 27    Sec. 3.  EFFECTIVE DATE.  This Act takes effect July 1,
  3 28 1998.  
  3 29                           EXPLANATION
  3 30    This bill establishes a program to provide health care
  3 31 coverage to a person who qualifies for unemployment benefits
  3 32 under chapter 96 as a totally unemployed individual.  The
  3 33 coverage to be the same as that coverage provided under a
  3 34 basic health benefit plan under Code chapter 513B.  The bill
  3 35 is subject to some of the same exclusions and restrictions as
  4  1 provided under Code chapter 514E, which establishes the Iowa
  4  2 comprehensive health insurance association which offers health
  4  3 care coverage to certain individuals otherwise unable to
  4  4 procure such coverage.  The bill provides that the increase in
  4  5 the state's premium tax paid by nonprofit hospital and health
  4  6 service corporations is to be diverted to a separate account
  4  7 in the general fund of the state to fund the program.
  4  8    This bill takes effect July 1, 1998.  
  4  9 LSB 2361YH 77
  4 10 mj/jj/8
     

Text: HF00500                           Text: HF00502
Text: HF00500 - HF00599                 Text: HF Index
Bills and Amendments: General Index     Bill History: General Index

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