SB70,1594,3 (c) Age, except that the rate may not vary by more than 3 to 1 for adults over the age groups and the age bands shall be consistent with recommendations of the National Association of Insurance Commissioners.

SB70,1594,4 (d) Tobacco use, except that the rate may not vary by more than 1.5 to 1.

SB70,1594,6 (5) Annual and lifetime limits. A short-term, limited duration plan may not establish any of the following:

SB70,1594,8 (a) Lifetime limits on the dollar value of benefits for an enrollee or a dependent of an enrollee under the short-term, limited duration plan.

SB70,1594,11 (b) Limits on the dollar value of benefits for an enrollee or a dependent of an enrollee under the short-term, limited duration plan for a term of coverage or for the aggregate duration of the short-term, limited duration plan.

SB70,3082 Section 3082 . 632.76 (2) (a) and (ac) 1. and 2. of the statutes are amended to read:

SB70,1594,21 632.76 (2) (a) No claim for loss incurred or disability commencing after 2 years from the date of issue of the policy may be reduced or denied on the ground that a disease or physical condition existed prior to the effective date of coverage, unless the condition was excluded from coverage by name or specific description by a provision effective on the date of loss. This paragraph does not apply to a group health benefit plan, as defined in s. 632.745 (9), which is subject to s. 632.746 , a disability insurance policy, as defined in s. 632.895 (1) (a), or a self-insured health plan, as defined in s. 632.85 (1) (c).

SB70,1595,2 (ac) 1. Notwithstanding par. (a), no No claim or loss incurred or disability commencing after 12 months from the date of issue of under an individual disability insurance policy, as defined in s. 632.895 (1) (a), may be reduced or denied on the ground that a disease or physical condition existed prior to the effective date of coverage, unless the condition was excluded from coverage by name or specific description by a provision effective on the date of the loss.

SB70,1595,9 2. Except as provided in subd. 3., an An individual disability insurance policy, as defined in s. 632.895 (1) (a), other than a short-term policy subject to s. 632.7495 (4) and (5), may not define a preexisting condition more restrictively than a condition that was present before the date of enrollment for the coverage, whether physical or mental, regardless of the cause of the condition, for which and regardless of whether medical advice, diagnosis, care, or treatment was recommended or received within 12 months before the effective date of coverage.

SB70,3083 Section 3083. 632.76 (2) (ac) 3. (intro.) of the statutes is amended to read:

SB70,1595,13 632.76 (2) (ac) 3. (intro.) Except as the commissioner provides by rule under s. 632.7495 (5), all of the following apply to an individual disability insurance policy that is a short-term policy, limited duration plan subject to s. 632.7495 (4) and (5):

SB70,3084 Section 3084. 632.76 (2) (ac) 3. b. of the statutes is amended to read:

SB70,1595,20 632.76 (2) (ac) 3. b. The policy shall reduce the length of time during which a may not impose any preexisting condition exclusion may be imposed by the aggregate of the insured's consecutive periods of coverage under the insurer's individual disability insurance policies that are short-term policies subject to s. 632.7495 (4) and (5). For purposes of this subd. 3. b., coverage periods are consecutive if there are no more than 63 days between the coverage periods.

SB70,3085 Section 3085 . 632.795 (4) (a) of the statutes is amended to read:

SB70,1596,8 632.795 (4) (a) An insurer subject to sub. (2) shall provide coverage under the same policy form and for the same premium as it originally offered in the most recent enrollment period, subject only to the medical underwriting used in that enrollment period. Unless otherwise prescribed by rule, the insurer may apply deductibles, preexisting condition limitations, waiting periods, or other limits only to the extent that they would have been applicable had coverage been extended at the time of the most recent enrollment period and with credit for the satisfaction or partial satisfaction of similar provisions under the liquidated insurer's policy or plan. The insurer may exclude coverage of claims that are payable by a solvent insurer under insolvency coverage required by the commissioner or by the insurance regulator of another jurisdiction. Coverage shall be effective on the date that the liquidated insurer's coverage terminates.

SB70,3086 Section 3086. 632.862 of the statutes is created to read:

SB70,1596,11 632.862 Application of prescription drug payments. (1) Definitions. In this section:

SB70,1596,12 (a) “Brand name” has the meaning given in s. 450.12 (1) (a).

SB70,1596,13 (b) “Brand name drug” means any of the following:

SB70,1596,15 1. A prescription drug that contains a brand name and that has no generic equivalent.

SB70,1596,20 2. A prescription drug that contains a brand name and has a generic equivalent but for which the enrollee has received prior authorization from the insurer offering the disability insurance policy or self-insured health plan or authorization from a physician to obtain the prescription drug under the disability insurance policy or self-insured health plan.

SB70,1596,21 (c) “Disability insurance policy” has the meaning given in s. 632.895 (1) (a).

SB70,1596,22 (d) “Prescription drug” has the meaning given in s. 450.01 (20).

SB70,1596,24 (e) “Self-insured health plan” means a self-insured health plan of the state or a county, city, village, town, or school district.

SB70,1597,6 (2) Application of discounts. A disability insurance policy that offers a prescription drug benefit or a self-insured health plan shall apply to any calculation of an out-of-pocket maximum amount and to any deductible of the disability insurance policy or self-insured health plan for an enrollee the amount that any discount provided by the manufacturer of a brand name drug reduces the cost sharing amount charged to the enrollee for that brand name drug.

SB70,3087 Section 3087. 632.863 of the statutes is created to read:

SB70,1597,8 632.863 Pharmaceutical representatives. (1) Definitions. In this section:

SB70,1597,11 (a) “Health care professional” means a physician or other health care practitioner who is licensed to provide health care services or to prescribe pharmaceutical or biologic products.

SB70,1597,13 (b) “Pharmaceutical” means a medication that may legally be dispensed only with a valid prescription from a health care professional.