AB75,1547,3 632.32 (6) (f) A No policy may provide that the maximum amount of medical payments coverage available for bodily injury or death suffered by a person who was not using a motor vehicle at the time of an accident is the highest any single limit of medical payments coverage for any motor vehicle with respect to which the person is insured.

AB75, s. 3171 Section 3171. 632.32 (5) (i) of the statutes is renumbered 632.32 (6) (g), and 632.32 (6) (g) (intro.), as renumbered, is amended to read:

AB75,1547,9 632.32 (6) (g) (intro.) A No policy may provide that the limits under the policy for uninsured motorist coverage or underinsured motorist coverage for bodily injury or death resulting from any one accident shall be reduced by any of the following that apply:

AB75, s. 3172 Section 3172. 632.32 (5) (j) of the statutes is renumbered 632.32 (6) (h), and 632.32 (6) (h) (intro.), as renumbered, is amended to read:

AB75,1547,14 632.32 (6) (h) (intro.) A No policy may provide that any coverage under the policy does not apply to a loss resulting from the use of a motor vehicle that meets all of the following conditions:

AB75, s. 3173 Section 3173. 632.72 (1g) (b) of the statutes is amended to read:

AB75,1547,19 632.72 (1g) (b) "Medical benefits or assistance" means health care services funded by a relief block grant under ch. 49, as defined in s. 49.001 (5p); medical assistance, as defined under s. 49.43 (8); or maternal and child health services under s. 253.05.

AB75, s. 3174 Section 3174. 632.7497 of the statutes is created to read:

AB75,1547,24 632.7497 Modifications at renewal. (1) In this section, "individual major medical or comprehensive health benefit plan" includes coverage under a group health benefit plan that is underwritten on an individual basis and issued to individuals or families.

AB75,1548,3 (2) An insurer that issues an individual major medical or comprehensive health benefit plan shall, at the time of a coverage renewal, at the request of an insured, permit the insured to do either of the following:

AB75,1548,4 (a) Change his or her coverage to any of the following:

AB75,1548,6 1. A different but comparable individual major medical or comprehensive health benefit plan currently offered by the insurer.

AB75,1548,8 2. An individual major medical or comprehensive health benefit plan currently offered by the insurer with more limited benefits.

AB75,1548,10 3. An individual major medical or comprehensive health benefit plan currently offered by the insurer with higher deductibles.

AB75,1548,13 (b) Modify his or her existing coverage by electing an optional higher deductible, if any, under the individual major medical or comprehensive health benefit plan.

AB75,1548,17 (3) (a) The insurer may not impose any new preexisting condition exclusion under the new or modified coverage under sub. (2) that did not apply to the insured's original coverage and shall allow the insured credit under the new or modified coverage for the period of original coverage.

AB75,1548,20 (b) For the new or modified coverage, the insurer may not rate for health status other than on the insured's health status at the time the insured applied for the original coverage and as the insured disclosed on the original application.

AB75,1548,23 (4) (a) Annually, the insurer shall mail to each insured under an individual major medical or comprehensive health benefit plan issued by the insurer, a notice that includes all of the following information:

AB75,1548,25 1. That the insured has the right to elect alternative coverage as described in sub. (2).

AB75,1549,1 2. A description of the alternatives available to the insured.

AB75,1549,2 3. The procedure for making the election.

AB75,1549,4 (b) The insurer shall mail the notice under par. (a) not more than 3 months nor less than 60 days before the renewal date of the insured's plan.

AB75,1549,7 (5) (a) Nothing in this section requires an insurer to issue alternative coverage under sub. (2) if the insured's coverage may be nonrenewed or discontinued under s. 632.7495 (2), (3) (b), or (4).

AB75,1549,11 (b) Notwithstanding s. 600.01 (1) (b) 3. and 4., this section applies to a group health benefit plan described in s. 600.01 (1) (b) 3. or 4. if that group health benefit plan is an individual major medical or comprehensive health benefit plan as defined in sub. (1).

AB75, s. 3175 Section 3175. 632.76 (2) (a) of the statutes is amended to read:

AB75,1549,18 632.76 (2) (a) No claim for loss incurred or disability commencing after 2 years 12 months 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.

AB75, s. 3176 Section 3176. 632.76 (2) (ac) of the statutes is created to read:

AB75,1549,24 632.76 (2) (ac) An individual disability insurance policy, as defined in s. 632.895 (1) (a), may not define a preexisting condition more restrictively than a condition, whether physical or mental, regardless of the cause of the condition, for which medical advice, diagnosis, care, or treatment was recommended or received within 12 months before the effective date of coverage.

AB75, s. 3177 Section 3177. 632.76 (2) (b) of the statutes is amended to read: