Bill Text: HI SB114 | 2010 | Regular Session | Amended
Bill Title: Dental Plans; Dual Coverage
Spectrum: Partisan Bill (Democrat 2-0)
Status: (Engrossed - Dead) 2009-05-11 - Carried over to 2010 Regular Session. [SB114 Detail]
Download: Hawaii-2010-SB114-Amended.html
STAND. COM. REP. NO. 570
Honolulu, Hawaii
RE: S.B. No. 114
S.D. 1
Honorable Colleen Hanabusa
President of the Senate
Twenty-Fifth State Legislature
Regular Session of 2009
State of Hawaii
Madam:
Your Committees on Health and Commerce and Consumer Protection, to which was referred S.B. No. 114 entitled:
"A BILL FOR AN ACT RELATING TO DENTAL CARE,"
beg leave to report as follows:
The purpose of this measure is to ensure that families who have overlapping or dual dental insurance coverage are able to obtain the full benefits of these insurance coverages.
Specifically, this measure requires insurers that provide dental insurance coverage to:
(1) Declare its coordination of dental benefits policy prominently in its evidence of coverage or contract with the insured;
(2) When acting as a primary dental benefits plan, pay the maximum amount required by its contract with the insured; and
(3) When acting as a secondary dental benefits plan, pay the lesser of either the amount that it would have paid in the absence of any other dental benefits coverage, or the insured or beneficiary's total out-of-pocket cost payable under the primary dental benefits plan for benefits covered under the secondary plan.
Your Committees received testimony in support of this measure from the Hawaii Dental Association. Your Committees received testimony in opposition to this measure from the Hawaii Medical Service Association.
Written testimony presented to the Committees may be reviewed on the Legislature's website.
Your Committees find that dental insurance coverage is an important component to the overall health and wellbeing of families in Hawaii. Families that are fortunate to have dual insurance policies covering dental care are finding that they are not getting the full benefit of the two policies they or their employers are paying for. Your Committees find that dental benefits need to be coordinated and insurers need to make available the coordination of dental benefits policy to their members.
Your Committees have amended this measure by:
(1) Clarifying that the coordination of benefits rules shall apply to each person that is covered by two or more of the following that cover dental services:
(A) Policies, contracts, plans, and agreements with a dental service corporation as authorized by chapter 423, Hawaii Revised Statutes;
(B) Blanket disability insurance policies or blanket disability insurance policies regulated under chapter 431, Hawaii Revised Statutes;
(C) Individual or group hospital or medical service plans regulated under chapter 432, Hawaii Revised Statutes; and
(D) Policies, contracts, plans and agreements regulated under chapter 432D, Hawaii Revised Statutes;
(2) Requiring that the coordination of benefits rules shall be consistent with the National Association of Insurance Commissioners Coordination of Benefits Model Regulation relating to order of benefit determinations; and
(3) Requiring each employer offering policies, contracts, plans, or agreements covering dental services to inform its employees of any coordination of dental benefits policy.
As affirmed by the records of votes of the members of your Committees on Health and Commerce and Consumer Protection that are attached to this report, your Committees are in accord with the intent and purpose of S.B. No. 114, as amended herein, and recommend that it pass Second Reading in the form attached hereto as S.B. No. 114, S.D. 1, and be placed on the calendar for Third Reading.
Respectfully submitted on behalf of the members of the Committees on Health and Commerce and Consumer Protection,
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____________________________ ROSALYN H. BAKER, Chair |
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____________________________ DAVID Y. IGE, Chair |
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