Senate
File
402
-
Introduced
SENATE
FILE
402
BY
COMMITTEE
ON
COMMERCE
(SUCCESSOR
TO
SSB
1078)
A
BILL
FOR
An
Act
relating
to
insurance
coverage
for
dental
care
services.
1
BE
IT
ENACTED
BY
THE
GENERAL
ASSEMBLY
OF
THE
STATE
OF
IOWA:
2
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1343SV
(2)
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S.F.
402
Section
1.
NEW
SECTION
.
514C.3C
Dental
coverage
——
1
assignment
of
health
insurance
benefits.
2
A
person
who
is
the
owner
of
any
rights
or
benefits
under
a
3
policy
or
contract
of
insurance
which
provides
for
coverage
of
4
dental
care
services
shall
be
permitted
to
assign
all
or
any
5
part
of
that
person’s
rights
and
privileges
under
the
policy
or
6
contract,
including
but
not
limited
to
the
right
to
designate
7
a
beneficiary
and
to
have
an
individual
policy
or
contract
8
issued
in
accordance
with
the
terms
of
the
policy
or
contract.
9
Such
assignment
shall
be
without
prejudice
to
the
insurer
on
10
account
of
any
payment
the
insurer
makes
or
individual
policy
11
or
contract
the
insurer
issues
before
receiving
notice
of
the
12
assignment,
provided
that
the
insurer
was
acting
in
good
faith.
13
If
written
proof
of
an
assignment
of
benefits
is
presented
to
14
an
insurer,
health
maintenance
organization,
managed
care
plan,
15
health
care
plan,
preferred
provider
organization,
or
other
16
third-party
payor,
then
payment
shall
be
made
directly
to
the
17
health
care
professional
or
health
care
facility
providing
the
18
dental
services.
Nothing
in
this
section
shall
be
construed
to
19
prevent
any
persons
from
reconciling
duplicate
payments.
20
Sec.
2.
Section
514J.103,
subsection
1,
Code
2013,
is
21
amended
to
read
as
follows:
22
1.
Except
as
provided
in
subsection
2
,
this
chapter
shall
23
apply
to
all
health
carriers
,
including
health
carriers
issuing
24
a
policy
or
certificate
that
provides
coverage
for
dental
care
.
25
Sec.
3.
Section
514J.103,
subsection
2,
paragraph
a,
Code
26
2013,
is
amended
to
read
as
follows:
27
a.
A
policy
or
certificate
that
provides
coverage
only
for
a
28
specified
disease,
specified
accident
or
accident-only,
credit,
29
disability
income,
hospital
indemnity,
long-term
care,
dental
30
care,
vision
care,
or
any
other
limited
supplemental
benefit.
31
EXPLANATION
32
This
bill
relates
to
insurance
coverage
for
dental
care
33
services.
34
New
Code
section
514C.3C
provides
that
a
person
who
owns
35
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1343SV
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1/
2
S.F.
402
rights
or
benefits
under
a
policy
or
contract
of
insurance
1
which
provides
for
coverage
of
dental
care
services
must
be
2
allowed
to
assign
any
or
part
of
that
person’s
rights
and
3
privileges
under
the
policy
or
contract,
including
the
right
4
to
designate
a
beneficiary
and
to
have
an
individual
policy
or
5
contract
issued.
The
assignment
is
without
prejudice
to
an
6
insurer
that
makes
a
payment
in
good
faith
under
the
policy
7
or
contract
before
receiving
notice
of
the
assignment.
If
8
written
proof
of
the
assignment
of
benefits
is
presented
to
an
9
insurer,
health
maintenance
organization,
managed
care
plan,
10
health
care
plan,
preferred
provider
organization,
or
other
11
third-party
payor,
the
payment
for
coverage
of
dental
care
12
services
shall
be
made
directly
to
the
health
care
provider
13
providing
the
services.
The
section
shall
not
be
construed
to
14
prevent
reconciliation
of
duplicate
payments.
15
Code
section
514J.103
is
amended
to
provide
that
decisions
16
of
health
carriers
issuing
a
policy
or
certificate
that
17
provides
coverage
for
dental
care
are
subject
to
the
external
18
review
provisions
of
Code
chapter
514J,
and
the
chapter
is
also
19
applicable
to
a
policy
or
certificate
that
provides
coverage
20
only
for
dental
care.
21
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