Texas Insurance Shoppers

The Texas 80th Regular Legislative Session has now concluded. As a result of all the bills passed, only two will impact individual health insurance products. A brief description of these bills, along with actions taken by health insurance companies doing business in Texas, is provided below.

HB 1919 – This bill expands the existing mandated benefit for treatment of Acquired Brain Injury (ABI) to include outpatient day treatment services or other equivalent post-acute care treatment services.

With most companies, like Blue Cross Blue Shield of Texas, outpatient day treatment service and other post-acute care treatment services had been covered under the existing ABI benefit provisions. In order to completely comply with the new law, amendments have been developed to expand and include these services into the definition of ABI.

HB 2548 – Currently, members receive pre-existing credit for prior group, government or church coverage when purchasing an individual health policy. This bill provides the same credit for an individual policy and now allows the member to transfer credit from one individual policy to another.

Companies that haven’t made this change will be sending out amendments to insureds.  Some companies, like Blue Cross Blue Shield of Texas, made this administrative change already.  Blue Cross Blue Shield of Texas made the change effective July 1, 2007, prior to the passing of this bill and amendments have been developed to align the policy language to the new law/procedural change already implemented.

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