Full Text of HB3638 98th General Assembly
HB3638sam002 98TH GENERAL ASSEMBLY | Sen. Dan Kotowski Filed: 5/12/2014
| | 09800HB3638sam002 | | LRB098 12067 RPM 59443 a |
|
| 1 | | AMENDMENT TO HOUSE BILL 3638
| 2 | | AMENDMENT NO. ______. Amend House Bill 3638 by replacing | 3 | | everything after the enacting clause with the following:
| 4 | | "Section 1. Short title. This amendatory Act may be | 5 | | referred to as the Health Insurance Consumer Protection Act of | 6 | | 2014. | 7 | | Section 3. Findings and purpose. The General Assembly | 8 | | finds that the federal Patient Protection and Affordable Care | 9 | | Act and the federal regulations implementing that Act give the | 10 | | State and its Department of Insurance primary responsibility | 11 | | for ensuring that all policies of health insurance and health | 12 | | care plans that are offered for sale directly to consumers in | 13 | | the State provide consumers with adequate information about the | 14 | | coverage offered to enable them to meaningfully compare plans | 15 | | and premiums and enroll in the appropriate policy or plan. The | 16 | | purpose of this amendatory Act of the 98th General Assembly is |
| | | 09800HB3638sam002 | - 2 - | LRB098 12067 RPM 59443 a |
|
| 1 | | to build on the consumer protections provided in federal law | 2 | | for policies or health care benefit plans offered for sale | 3 | | directly to consumers through the Illinois Health Benefits | 4 | | Exchange. | 5 | | Section 5. The Illinois Insurance Code is amended by | 6 | | changing Section 355a as follows:
| 7 | | (215 ILCS 5/355a) (from Ch. 73, par. 967a)
| 8 | | Sec. 355a. Standardization of terms and coverage.
| 9 | | (1) The purpose of this Section shall be (a) to provide
| 10 | | reasonable standardization and simplification of terms and | 11 | | coverages of
individual accident and health insurance policies | 12 | | to facilitate public
understanding and comparisons; (b) to | 13 | | eliminate provisions contained in
individual accident and | 14 | | health insurance policies which may be
misleading or | 15 | | unreasonably confusing in connection either with the
purchase | 16 | | of such coverages or with the settlement of claims; and (c) to
| 17 | | provide for reasonable disclosure in the sale of accident and | 18 | | health
coverages.
| 19 | | (2) Definitions applicable to this Section are as follows:
| 20 | | (a) "Policy" means all or any part of the forms | 21 | | constituting the
contract between the insurer and the | 22 | | insured, including the policy,
certificate, subscriber | 23 | | contract, riders, endorsements, and the
application if | 24 | | attached, which are subject to filing with and approval
by |
| | | 09800HB3638sam002 | - 3 - | LRB098 12067 RPM 59443 a |
|
| 1 | | the Director.
| 2 | | (b) "Service corporations" means
voluntary health and | 3 | | dental
corporations organized and operating respectively | 4 | | under
the Voluntary Health Services Plans Act and
the | 5 | | Dental Service Plan Act.
| 6 | | (c) "Accident and health insurance" means insurance | 7 | | written under
Article XX of the Insurance Code, other than | 8 | | credit accident and health
insurance, and coverages | 9 | | provided in subscriber contracts issued by
service | 10 | | corporations. For purposes of this Section such service
| 11 | | corporations shall be deemed to be insurers engaged in the | 12 | | business of
insurance.
| 13 | | (3) The Director shall issue such rules as he shall deem | 14 | | necessary
or desirable to establish specific standards, | 15 | | including standards of
full and fair disclosure that set forth | 16 | | the form and content and
required disclosure for sale, of | 17 | | individual policies of accident and
health insurance, which | 18 | | rules and regulations shall be in addition to
and in accordance | 19 | | with the applicable laws of this State, and which may
cover but | 20 | | shall not be limited to: (a) terms of renewability; (b)
initial | 21 | | and subsequent conditions of eligibility; (c) non-duplication | 22 | | of
coverage provisions; (d) coverage of dependents; (e) | 23 | | pre-existing
conditions; (f) termination of insurance; (g) | 24 | | probationary periods; (h)
limitation, exceptions, and | 25 | | reductions; (i) elimination periods; (j)
requirements | 26 | | regarding replacements; (k) recurrent conditions; and (l)
the |
| | | 09800HB3638sam002 | - 4 - | LRB098 12067 RPM 59443 a |
|
| 1 | | definition of terms including but not limited to the following:
| 2 | | hospital, accident, sickness, injury, physician, accidental | 3 | | means, total
disability, partial disability, nervous disorder, | 4 | | guaranteed renewable,
and non-cancellable.
| 5 | | The Director may issue rules that specify prohibited policy
| 6 | | provisions not otherwise specifically authorized by statute | 7 | | which in the
opinion of the Director are unjust, unfair or | 8 | | unfairly discriminatory to
the policyholder, any person | 9 | | insured under the policy, or beneficiary.
| 10 | | (4) The Director shall issue such rules as he shall deem | 11 | | necessary
or desirable to establish minimum standards for | 12 | | benefits under each
category of coverage in individual accident | 13 | | and health policies, other
than conversion policies issued | 14 | | pursuant to a contractual conversion
privilege under a group | 15 | | policy, including but not limited to the
following categories: | 16 | | (a) basic hospital expense coverage; (b) basic
| 17 | | medical-surgical expense coverage; (c) hospital confinement | 18 | | indemnity
coverage; (d) major medical expense coverage; (e) | 19 | | disability income
protection coverage; (f) accident only | 20 | | coverage; and (g) specified
disease or specified accident | 21 | | coverage.
| 22 | | Nothing in this subsection (4) shall preclude the issuance | 23 | | of any
policy which combines two or more of the categories of | 24 | | coverage
enumerated in subparagraphs (a) through (f) of this | 25 | | subsection.
| 26 | | No policy shall be delivered or issued for delivery in this |
| | | 09800HB3638sam002 | - 5 - | LRB098 12067 RPM 59443 a |
|
| 1 | | State
which does not meet the prescribed minimum standards for | 2 | | the categories
of coverage listed in this subsection unless the | 3 | | Director finds that
such policy is necessary to meet specific | 4 | | needs of individuals or groups
and such individuals or groups | 5 | | will be adequately informed that such
policy does not meet the | 6 | | prescribed minimum standards, and such policy
meets the | 7 | | requirement that the benefits provided therein are reasonable
| 8 | | in relation to the premium charged. The standards and criteria | 9 | | to be
used by the Director in approving such policies shall be | 10 | | included in the
rules required under this Section with as much | 11 | | specificity as
practicable.
| 12 | | The Director shall prescribe by rule the method of | 13 | | identification of
policies based upon coverages provided.
| 14 | | (5) (a) In order to provide for full and fair disclosure in | 15 | | the
sale of individual accident and health insurance policies, | 16 | | no such
policy shall be delivered or issued for delivery in | 17 | | this State unless
the outline of coverage described in | 18 | | paragraph (b) of this subsection
either accompanies the policy, | 19 | | or is delivered to the applicant at the
time the application is | 20 | | made, and an acknowledgment signed by the
insured, of receipt | 21 | | of delivery of such outline, is provided to the
insurer. In the | 22 | | event the policy is issued on a basis other than that
applied | 23 | | for, the outline of coverage properly describing the policy | 24 | | must
accompany the policy when it is delivered and such outline | 25 | | shall clearly
state that the policy differs, and to what | 26 | | extent, from that for which
application was originally made. |
| | | 09800HB3638sam002 | - 6 - | LRB098 12067 RPM 59443 a |
|
| 1 | | All policies, except single premium
nonrenewal policies, shall | 2 | | have a notice prominently printed on the
first page of the | 3 | | policy or attached thereto stating in substance, that
the | 4 | | policyholder shall have the right to return the policy within | 5 | | 10 days of its delivery and to have the premium refunded if | 6 | | after
examination of the policy the policyholder is not | 7 | | satisfied for any
reason.
| 8 | | (b) The Director shall issue such rules as he shall deem | 9 | | necessary
or desirable to prescribe the format and content of | 10 | | the outline of
coverage required by paragraph (a) of this | 11 | | subsection. "Format" means
style, arrangement, and overall | 12 | | appearance, including such items as the
size, color, and | 13 | | prominence of type and the arrangement of text and
captions. | 14 | | "Content" shall include without limitation thereto,
statements | 15 | | relating to the particular policy as to the applicable
category | 16 | | of coverage prescribed under subsection 4; principal benefits;
| 17 | | exceptions, reductions and limitations; and renewal | 18 | | provisions,
including any reservation by the insurer of a right | 19 | | to change premiums.
Such outline of coverage shall clearly | 20 | | state that it constitutes a
summary of the policy issued or | 21 | | applied for and that the policy should
be consulted to | 22 | | determine governing contractual provisions.
| 23 | | (c) Without limiting the generality of paragraph (b) of | 24 | | this subsection (5), no policy shall be offered for sale | 25 | | directly to consumers in this State as a qualified health plan, | 26 | | as defined in the federal Patient Protection and Affordable |
| | | 09800HB3638sam002 | - 7 - | LRB098 12067 RPM 59443 a |
|
| 1 | | Care Act of 2010 (Public Law 111-148), as amended by the | 2 | | federal Health Care and Education Reconciliation Act of 2010 | 3 | | (Public Law 111-152), and any amendments thereto, or | 4 | | regulations or guidance issued under those Acts (collectively, | 5 | | "the Federal Act"), unless the following information is made | 6 | | available to the consumer at the time he or she is comparing | 7 | | policies and their premiums: | 8 | | (i) With respect to prescription drug benefits, an | 9 | | up-to-date formulary where a consumer can view in one | 10 | | location covered prescription drugs; information on | 11 | | tiering and the cost-sharing structure for each tier; and | 12 | | information about how a consumer can obtain specific | 13 | | copayment amounts or coinsurance percentages for a | 14 | | specific qualified health plan before enrolling in that | 15 | | plan. The formulary shall clearly identify the qualified | 16 | | health plan to which it applies. | 17 | | (ii) The most recently published provider directory | 18 | | where a consumer can view the provider network that applies | 19 | | to each qualified health plan and information about each | 20 | | provider, including location, contact information, | 21 | | specialty, medical group, any institutional affiliation, | 22 | | and whether the provider is accepting new patients. The | 23 | | information shall clearly identify the qualified health | 24 | | plan to which it applies. | 25 | | (d) Each company that offers a qualified health plan shall | 26 | | make the information in paragraph (c) of this subsection (5), |
| | | 09800HB3638sam002 | - 8 - | LRB098 12067 RPM 59443 a |
|
| 1 | | for each qualified health plan that it offers, available and | 2 | | accessible to the general public on the company's Internet | 3 | | website and through other means for individuals without access | 4 | | to the Internet. | 5 | | (e) The Department shall ensure that State-operated | 6 | | Internet websites, in addition to the Internet website for the | 7 | | health insurance marketplace established in this State in | 8 | | accordance with the Federal Act, prominently provide links to | 9 | | Internet-based materials and tools to help consumers be | 10 | | informed purchasers of health insurance. | 11 | | (f) Nothing in this Section shall be interpreted or | 12 | | implemented in a manner not consistent with the Federal Act. | 13 | | This Section shall apply to all qualified health plans offered | 14 | | for sale to consumers for any coverage year beginning on or | 15 | | after January 1, 2015. | 16 | | (6) Prior to the issuance of rules pursuant to this | 17 | | Section, the
Director shall afford the public, including the | 18 | | companies affected
thereby, reasonable opportunity for | 19 | | comment. Such rulemaking is subject
to the provisions of the | 20 | | Illinois Administrative Procedure Act.
| 21 | | (7) When a rule has been adopted, pursuant to this Section, | 22 | | all
policies of insurance or subscriber contracts which are not | 23 | | in
compliance with such rule shall, when so provided in such | 24 | | rule, be
deemed to be disapproved as of a date specified in | 25 | | such rule not less
than 120 days following its effective date, | 26 | | without any further or
additional notice other than the |
| | | 09800HB3638sam002 | - 9 - | LRB098 12067 RPM 59443 a |
|
| 1 | | adoption of the rule.
| 2 | | (8) When a rule adopted pursuant to this Section so | 3 | | provides, a
policy of insurance or subscriber contract which | 4 | | does not comply with
the rule shall not less than 120 days from | 5 | | the effective date of such
rule, be construed, and the insurer | 6 | | or service corporation shall be
liable, as if the policy or | 7 | | contract did comply with the rule.
| 8 | | (9) Violation of any rule adopted pursuant to this Section | 9 | | shall be
a violation of the insurance law for purposes of | 10 | | Sections 370 and 446 of
the Insurance Code.
| 11 | | (Source: P.A. 90-177, eff. 7-23-97; 90-372, eff. 7-1-98; | 12 | | 90-655, eff.
7-30-98.)
| 13 | | Section 10. The Managed Care Reform and Patient Rights Act | 14 | | is amended by changing Section 15 and by adding Sections 45.1 | 15 | | and 45.2 as follows:
| 16 | | (215 ILCS 134/15)
| 17 | | Sec. 15. Provision of information.
| 18 | | (a) A health care plan shall provide annually to enrollees | 19 | | and prospective
enrollees, upon request, a complete list of | 20 | | participating health care providers
in the
health care plan's | 21 | | service area and a description of the following terms of
| 22 | | coverage:
| 23 | | (1) the service area;
| 24 | | (2) the covered benefits and services with all |
| | | 09800HB3638sam002 | - 10 - | LRB098 12067 RPM 59443 a |
|
| 1 | | exclusions, exceptions, and
limitations;
| 2 | | (3) the pre-certification and other utilization review | 3 | | procedures
and requirements;
| 4 | | (4) a description of the process for the selection of a | 5 | | primary care
physician,
any limitation on access to | 6 | | specialists, and the plan's standing referral
policy;
| 7 | | (5) the emergency coverage and benefits, including any | 8 | | restrictions on
emergency
care services;
| 9 | | (6) the out-of-area coverage and benefits, if any;
| 10 | | (7) the enrollee's financial responsibility for | 11 | | copayments, deductibles,
premiums, and any other | 12 | | out-of-pocket expenses;
| 13 | | (8) the provisions for continuity of treatment in the | 14 | | event a health care
provider's
participation terminates | 15 | | during the course of an enrollee's treatment by that
| 16 | | provider;
| 17 | | (9) the appeals process, forms, and time frames for | 18 | | health care services
appeals, complaints, and external | 19 | | independent reviews, administrative
complaints,
and | 20 | | utilization review complaints, including a phone
number
to | 21 | | call to receive more information from the health care plan | 22 | | concerning the
appeals process; and
| 23 | | (10) a statement of all basic health care services and | 24 | | all specific
benefits and
services mandated to be provided | 25 | | to enrollees by any State law or
administrative
rule.
| 26 | | (a-5) Without limiting the generality of subsection (a) of |
| | | 09800HB3638sam002 | - 11 - | LRB098 12067 RPM 59443 a |
|
| 1 | | this Section, no health care plan shall be offered for sale | 2 | | directly to consumers in this State as a qualified health plan, | 3 | | as defined in the federal Patient Protection and Affordable | 4 | | Care Act of 2010 (Public Law 111-148), as amended by the | 5 | | federal Health Care and Education Reconciliation Act of 2010 | 6 | | (Public Law 111-152), and any amendments thereto, or | 7 | | regulations or guidance issued under those Acts (collectively, | 8 | | "the Federal Act"), unless, in addition to the information | 9 | | required under subsection (a) of this Section, the following | 10 | | information is available to the consumer at the time he or she | 11 | | is comparing health care plans and their premiums: | 12 | | (1) With respect to prescription drug benefits, an | 13 | | up-to-date formulary where a consumer can view in one | 14 | | location covered prescription drugs; information on | 15 | | tiering and the cost-sharing structure for each tier; and | 16 | | information about how a consumer can obtain specific | 17 | | copayment amounts or coinsurance percentages for a | 18 | | specific qualified health plan before enrolling in that | 19 | | plan. The formulary shall clearly identify the qualified | 20 | | health plan to which it applies. | 21 | | (2) The most recently published provider directory | 22 | | where a consumer can view the provider network that applies | 23 | | to each qualified health plan and information about each | 24 | | provider, including location, contact information, | 25 | | specialty, medical group, any institutional affiliation, | 26 | | and whether the provider is accepting new patients. The |
| | | 09800HB3638sam002 | - 12 - | LRB098 12067 RPM 59443 a |
|
| 1 | | information shall clearly identify the qualified health | 2 | | plan to which it applies. | 3 | | In the event of an inconsistency between any separate | 4 | | written disclosure
statement and the enrollee contract or | 5 | | certificate, the terms of the enrollee
contract or certificate | 6 | | shall control.
| 7 | | (b) Upon written request, a health care plan shall provide | 8 | | to enrollees a
description of the financial relationships | 9 | | between the health care plan and any
health care provider
and, | 10 | | if requested, the percentage
of copayments, deductibles, and | 11 | | total premiums spent on healthcare related
expenses and the | 12 | | percentage of
copayments, deductibles, and total premiums | 13 | | spent on other expenses, including
administrative expenses,
| 14 | | except that no health care plan shall be required to disclose | 15 | | specific provider
reimbursement.
| 16 | | (c) A participating health care provider shall provide all | 17 | | of the
following, where applicable, to enrollees upon request:
| 18 | | (1) Information related to the health care provider's | 19 | | educational
background,
experience, training, specialty, | 20 | | and board certification, if applicable.
| 21 | | (2) The names of licensed facilities on the provider | 22 | | panel where
the health
care provider presently has | 23 | | privileges for the treatment, illness, or
procedure
that is | 24 | | the subject of the request.
| 25 | | (3) Information regarding the health care provider's | 26 | | participation
in
continuing education programs and |
| | | 09800HB3638sam002 | - 13 - | LRB098 12067 RPM 59443 a |
|
| 1 | | compliance with any licensure,
certification, or | 2 | | registration requirements, if applicable.
| 3 | | (d) A health care plan shall provide the information | 4 | | required to be
disclosed under this Act upon enrollment and | 5 | | annually thereafter in a legible
and understandable format. The | 6 | | Department
shall promulgate rules to establish the format | 7 | | based, to the extent
practical,
on
the standards developed for | 8 | | supplemental insurance coverage under Title XVIII
of
the | 9 | | federal Social Security Act as a guide, so that a person can | 10 | | compare the
attributes of the various health care plans.
| 11 | | (e) The written disclosure requirements of this Section may | 12 | | be met by
disclosure to one enrollee in a household.
| 13 | | (f) Each issuer of a qualified health plan offered for sale | 14 | | to consumers in this State shall make the information described | 15 | | in subsection (a) of this Section, for each qualified health | 16 | | plan that it offers, available and accessible to the general | 17 | | public on the company's Internet website and through other | 18 | | means for individuals without access to the Internet. | 19 | | (g) The Department shall ensure that State-operated | 20 | | Internet websites, in addition to the Internet website for the | 21 | | health insurance marketplace established in this State in | 22 | | accordance with the Federal Act and its implementing | 23 | | regulations, prominently provide links to Internet-based | 24 | | materials and tools to help consumers be informed purchasers of | 25 | | health care plans. | 26 | | (h) Nothing in this Section shall be interpreted or |
| | | 09800HB3638sam002 | - 14 - | LRB098 12067 RPM 59443 a |
|
| 1 | | implemented in a manner not consistent with the Federal Act. | 2 | | This Section shall apply to all qualified health plans offered | 3 | | for sale to consumers for any coverage year beginning on or | 4 | | after January 1, 2015. | 5 | | (Source: P.A. 91-617, eff. 1-1-00.)
| 6 | | (215 ILCS 134/45.1 new) | 7 | | Sec. 45.1. Medical exceptions procedures required. | 8 | | (a) Every health carrier that offers a qualified health | 9 | | plan, as defined in the federal Patient Protection and | 10 | | Affordable Care Act of 2010 (Public Law 111-148), as amended by | 11 | | the federal Health Care and Education Reconciliation Act of | 12 | | 2010 (Public Law 111-152), and any amendments thereto, or | 13 | | regulations or guidance issued under those Acts (collectively, | 14 | | "the Federal Act"), directly to consumers in this State shall | 15 | | establish and maintain a medical exceptions process that allows | 16 | | covered persons or their authorized representatives to request | 17 | | any clinically appropriate prescription drug when (1) the drug | 18 | | is not covered based on the health benefit plan's formulary; | 19 | | (2) the health benefit plan is discontinuing coverage of the | 20 | | drug on the plan's formulary for reasons other than safety or | 21 | | because the prescription drug has been withdrawn from the | 22 | | market by the drug's manufacturer; (3) the prescription drug | 23 | | alternatives required to be used in accordance with a step | 24 | | therapy requirement (A) has been ineffective in the treatment | 25 | | of the enrollee's disease or medical condition or, based on |
| | | 09800HB3638sam002 | - 15 - | LRB098 12067 RPM 59443 a |
|
| 1 | | both sound clinical evidence and medical and scientific | 2 | | evidence, the known relevant physical or mental | 3 | | characteristics of the enrollee, and the known characteristics | 4 | | of the drug regimen, is likely to be ineffective or adversely | 5 | | affect the drug's effectiveness or patient compliance or (B) | 6 | | has caused or, based on sound medical evidence, is likely to | 7 | | cause an adverse reaction or harm to the enrollee; or (4) the | 8 | | number of doses available under a dose restriction for the | 9 | | prescription drug (A) has been ineffective in the treatment of | 10 | | the enrollee's disease or medical condition or (B) based on | 11 | | both sound clinical evidence and medical and scientific | 12 | | evidence, the known relevant physical and mental | 13 | | characteristics of the enrollee, and known characteristics of | 14 | | the drug regimen, is likely to be ineffective or adversely | 15 | | affect the drug's effective or patient compliance. | 16 | | (b) The health carrier's established medical exceptions | 17 | | procedures must require, at a minimum, the following: | 18 | | (1) Any request for approval of coverage made verbally | 19 | | or in writing (regardless of whether made using a paper or | 20 | | electronic form or some other writing) at any time shall be | 21 | | reviewed by appropriate health care professionals. | 22 | | (2) The health carrier must, within 72 hours after | 23 | | receipt of a request made under subsection (a) of this | 24 | | Section, either approve or deny the request. In the case of | 25 | | a denial, the health carrier shall provide the covered | 26 | | person or the covered person's authorized representative |
| | | 09800HB3638sam002 | - 16 - | LRB098 12067 RPM 59443 a |
|
| 1 | | and the covered person's prescribing provider with the | 2 | | reason for the denial, an alternative covered medication, | 3 | | if applicable, and information regarding the procedure for | 4 | | submitting an appeal to the denial. | 5 | | (3) In the case of an expedited coverage determination, | 6 | | the health carrier must either approve or deny the request | 7 | | within 24 hours after receipt of the request. In the case | 8 | | of a denial, the health carrier shall provide the covered | 9 | | person or the covered person's authorized representative | 10 | | and the covered person's prescribing provider with the | 11 | | reason for the denial, an alternative covered medication, | 12 | | if applicable, and information regarding the procedure for | 13 | | submitting an appeal to the denial. | 14 | | (c) Notwithstanding any other provision of this Section, | 15 | | nothing in this Section shall be interpreted or implemented in | 16 | | a manner not consistent with the Federal Act. | 17 | | (215 ILCS 134/45.2 new) | 18 | | Sec. 45.2. Prior authorization form; prescription | 19 | | benefits. | 20 | | (a) Notwithstanding any other provision of law, on and | 21 | | after January 1, 2015, a health insurer that provides | 22 | | prescription drug benefits must, within 72 hours after receipt | 23 | | of a paper or electronic prior authorization form from a | 24 | | prescribing provider or pharmacist, either approve or deny the | 25 | | prior authorization. In the case of a denial, the insurer shall |
| | | 09800HB3638sam002 | - 17 - | LRB098 12067 RPM 59443 a |
|
| 1 | | provide the prescriber with the reason for the denial, an | 2 | | alternative covered medication, if applicable, and information | 3 | | regarding the denial. | 4 | | In the case of an expedited coverage determination, the | 5 | | health insurer must either approve or deny the prior | 6 | | authorization within 24 hours after receipt of the paper or | 7 | | electronic prior authorization form. In the case of a denial, | 8 | | the health insurer shall provide the prescriber with the reason | 9 | | for the denial, an alternative covered medication, if | 10 | | applicable, and information regarding the procedure for | 11 | | submitting an appeal to the denial. | 12 | | (b) This Section does not apply to plans for beneficiaries | 13 | | of Medicare or Medicaid. | 14 | | (c) For the purposes of this Section: | 15 | | "Pharmacist" has the same meaning as set forth in the | 16 | | Pharmacy Practice Act. | 17 | | "Prescribing provider" includes a provider authorized to | 18 | | write a prescription, as described in subsection (e) of Section | 19 | | 3 of the Pharmacy Practice Act, to treat a medical condition of | 20 | | an insured.
| 21 | | Section 99. Effective date. This Act takes effect upon | 22 | | becoming law.".
|
|