Amendment AA4-AB100

LRBa0199/1

TJD:wlj:md

2009 - 2010 LEGISLATURE

ASSEMBLY AMENDMENT 4, TO 2009 ASSEMBLY BILL 100

April 14, 2009 - Offered by Representative Nygren.

AB100-AA4,1,1 At the locations indicated, amend the bill as follows:

AB100-AA4,1,2 1. Page 2, line 2: delete "Uniform application" and substitute "Application".

AB100-AA4,1,3 2. Page 2, line 2: after " individual" insert "major medical".

AB100-AA4,1,9 3. Page 2, line 3: delete the material beginning with that line and ending with page 3, line 5, and substitute "(a) The commissioner shall by rule develop for use by insurers a uniform application for individual major medical health insurance policies. The commissioner shall also by rule prescribe the format for the uniform application, which may not exceed 10 pages in length. The commissioner shall consult with insurers when developing the uniform application.

AB100-AA4,2,2 (b) An insurer may use the uniform application or the insurer's own application for individual major medical health insurance policies. An insurer may not use an application, other than the uniform application, unless it has been approved by the commissioner. The commissioner may promulgate rules to ensure that individual health insurance policy applications are clear and easy to understand.

AB100-AA4,2,8 (c) The commissioner shall by rule develop a pool of health questions for the uniform application. Insurers using the uniform application shall use only the approved health questions in an application. Insurers may submit application questions to the commissioner to be used with the uniform application. The commissioner shall consult with insurers when developing the pool of questions for the uniform application.

AB100-AA4,2,11 (d) The use by an insurer of an individual major medical health insurance policy application does not limit the ability of the insurer to request or obtain additional information for underwriting purposes.

AB100-AA4,2,18 (e) The commissioner shall publish a notice in the Wisconsin Administrative Register stating the effective date of the rules under pars. (a), (b), and (c). If an insurer chooses to use the uniform application, the insurer shall notify the commissioner in writing. The commissioner shall promulgate rules to allow electronic use of the uniform application. The effective date for electronic use of the application may not be sooner than one year following the effective date of the uniform application.

AB100-AA4,2,19 (f) This subsection does not apply to any of the following:

AB100-AA4,2,21 1. An individual disability insurance policy that is designed to provide only short-term coverage.

AB100-AA4,2,23 2. A limited disability insurance policy or certificate marketed as other than a major or comprehensive medical policy.

AB100-AA4,2,25 3. An individually underwritten medical plan marketed or sold only to students.

AB100-AA4,2,26 4. Coverage that is only accident insurance.

AB100-AA4,3,3 5. Hospital indemnity insurance or fixed indemnity insurance or coverage only for a specified disease or illness.

AB100-AA4,3,5 6. A disability insurance policy that covers only certain specified diseases or a critical illness plan.

AB100-AA4,3,7 7. Individually underwritten medical plans not marketed as major medical coverage.

AB100-AA4,3,8 8. Credit health insurance.

AB100-AA4,3,9 9. A disability insurance policy that covers only dental care.

AB100-AA4,3,10 10. Disability income insurance.".

AB100-AA4,3,11 (End)