Video & Transcript Research : 'deceptive insurance practice'
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TX
Transcript Highlights:
- Miller, an advanced practice registered nurse, has to have a supervising physician to practice.
- Section 1 is for HMOs, Section 2 is for regular insurers and just says that an advanced practice registered
- For over a hundred years, the Texas Insurance Code has included anti-rebating laws which prohibit insurance
- directly with life insurance, retirement products, and various health insurance products offered in
- We're going to shift from health insurance to a very niche industry of prescribed burning insurance.
Keywords:
HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301
TX
Transcript Highlights:
- One insurer could care about a particular issue a lot more than another insurer, which may not care about
- Typically what happens is an insurer will provide... to the insured a certificate of insurance that does
- have health care insurance.
- product better than no insurance?
- That can't afford insurance, that need insurance the most.
Keywords:
HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301
LA
Transcript Highlights:
- All right, welcome to the Senate Committee on Insurance.
- And number four, the health insurance insurers shall include in the notification how the insurer is utilizing
- And number four, the health insurance insurers shall include in the notification how the insurer is utilizing
- regarding insurance.
- For health insurers and for life insurers, it really keeps that the same, the rest of it the same.
Keywords:
family leave, insurance, paid leave, employment benefits, caregiver support, liability insurance, coverage defenses, direct action, judgment enforcement, legal procedures, insurance referrals, compensation, non-licensed agents, consumer protection, insurance products, HB 870, Act 907, Louisiana insurance, health insurance, prescription drugs
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/26/26
Commerce Finance and Policy
Transcript Highlights:
- </c> insurance affordable for folks. insurance affordable for folks.
- </c> contribute to making health insurance contribute to making health insurance more<00:34:20.000><c
- are paid by those who buy the insurance are paid by those who buy the insurance<00:35:55.920><c> in<
- </c> insurance in their premiums. insurance in their premiums.
- </c> an additional report from the insurance an additional report from the insurance companies?
Keywords:
trusted contact, financial exploitation, elder abuse, elder financial abuse, fraud prevention, financial institution, banking, credit union, broker-dealer, account security, dormant account, consumer protection, scam, suspicious activity, protective services, law enforcement reporting, Minnesota Statutes chapter 45A, HF3388, Minnesota premium security plan, reinsurance
HI
Hawaii 2026 Regular Session
CPC Public Hearing - Tue Mar 31, 2026 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- It would be an unfair or deceptive act or practice for businesses to offer, display, or advertise the
- What we're seeking is exemption from liability as an unfair deceptive practice if we made a reasonable
- What we're seeking is exemption from liability as an unfair deceptive practice if we made a reasonable
- What we're seeking is exemption from liability as an unfair deceptive practice if we made a reasonable
- </c> liability as an unfair deceptive liability as an unfair deceptive practice<00:31:35.360><c> if</
Keywords:
landscape architecture, licensure, educational requirements, examination, professional standards, consumer protection, junk fees, live-event tickets, short-term lodging, transparency, pricing disclosure, deceptive practices, insurance, captives, regulations, policyholders, SB2623, Hawaii pharmacy law, Board of Pharmacy, registered pharmacy technician
Summary:
The committee first heard HCR 168 and HR 158, which would create a temporary working group to study utility capacity, coastline infrastructure lifespan, and the costs of needed expansions. Public Utilities Commission staff said the commission was not the right entity to direct all of the work because it lacks authority over many affected agencies. Members discussed whether the study should be limited to a coastal area or broadened to the whole island, and in decision-making the committee amended the measure to focus on the County of Honolulu, correct references to the Public Utilities Commission, and revise the working group membership to include the PUC chair, legislative designees, and directors or designees from DLNR, DOT, HIEMA, and DCCA Consumer Advocacy. The committee then passed both resolutions with amendments; the vote was adopted unanimously, with some members excused.
The committee next considered HCR 145 and HR 137, which would convene a working group on climate change impacts on insurance availability and affordability. The Insurance Division stood on its written comments, the Climate Change Mitigation and Adaptation Commission supported the intent, and the Attorney General opposed the measure, warning that a working group could create discoverable materials that might complicate the state’s climate litigation and noting a technical ambiguity in the reference to the Hawaii Hurricane Relief Fund administrator. After questions about discovery and the lawsuit, the committee amended the resolutions to replace the administrator reference with the chair of the Hawaii Hurricane Relief Fund Board of Directors, remove the Attorney General as convener while keeping the office as a member, and have the working group share findings and recommendations with the House CPC and Senate CPN committees instead of issuing a report. The committee passed the measures with amendments, with Rep. Martin voting with reservations.
In the later agenda, the committee heard SB 2607, SD 1 on landscape architect licensure. The Board of Professional Engineers, Architects, Surveyors, and Landscape Architects supported the bill, explaining it modernizes licensure requirements to align with national standards and clarifies the profession’s design-focused role. The bill was discussed as distinguishing landscape architecture from groundskeeping and from civil engineering drainage work. No opposition was heard.
The committee also heard SB 2031, SD 2 on consumer protection and price transparency for live ticket events and short-term lodging. The Office of Consumer Protection supported the bill, saying it largely mirrors an FTC rule requiring all-in pricing and would give the state enforcement authority and remedies. The Hawaii Financial Services Association opposed the bill as drafted and sought a limited exemption for credit card issuers relying on third-party hotel information, while the Hawaii Hotel Alliance supported the measure but asked for language deeming compliance with the federal rule sufficient for short-term lodging. Committee members questioned whether those proposed exemptions would conflict with federal law or weaken state enforcement, and the discussion focused on preemption, liability, and the value of state remedies such as restitution.
HI
Transcript Highlights:
- Uh, if no other questions, let's move on to House Bill 1452, adding advanced practice nurses to the list
- So this is very consistent with longstanding community standards of practice, and we support this bill
- So this is very consistent with longstanding community standards of practice, and we support this bill
- It just simply adds advanced practice registered nurses to those classes of providers who may document
- So it requires a clinician in this case, a physician, and if enacted, an advanced practice registered
Keywords:
emergency funding, food assistance, healthcare, federal shutdown, Hawaii, DHS, jury duty, advanced practice registered nurses, physician assistants, exemption, patient care, financial hardship, medication abortion, anonymous prescription, pregnancy rights, healthcare privacy, pharmacy regulations, chiropractic education, clinical training, student supervision
Summary:
The House Committee on Health held its first hearing of the session and opened with housekeeping notes, introductions of members, and an explanation that the agenda would be taken out of order to accommodate a sign language interpreter. The committee first heard HB 469, relating to parking for disabled persons. Testimony from the Disability and Communications Access Board and the State Council on Developmental Disabilities supported the bill, explaining that a travel placard would help people with disabilities who must travel interisland or to the mainland for medical care. Members asked about emergency travel, misuse prevention, and how to distinguish the travel placard from existing disabled parking placards; witnesses said the bill would need to be tied to administrative rules, and agreed the placard should clearly show an expiration date and likely be a different color. No vote was taken.
The committee then heard HB 218, relating to hospital surgical smoke. The Department of Health supported the measure, and the Healthcare Association of Hawaii supported it with amendments, saying hospitals already follow existing standards but that any new policy should account for different procedures and provider safety. A committee member questioned the proposed amendment language and whether it was too flexible; the witness explained the intent was to allow case-by-case application because some procedures generate only brief exposure. Members also asked what surgical smoke is, and the witness explained it is produced when electrical or cauterizing tools are used on tissue and creates vapor or fumes. The bill remained under discussion with no final action reported.
The committee next took up HB 814, which would fund a public information campaign and related services on cannabis use among youth. The Department of the Attorney General said the bill should be amended to clarify whether the funding would be used for contracts or grants and to include proper grant standards if grants are intended. The Department of Health supported the bill and said the funds would expand prevention, treatment, recovery, and public education efforts, including social media outreach, PSAs, and school-based youth services. Multiple organizations and individuals testified in support, emphasizing the harms of youth cannabis use and the need for prevention and treatment resources. Members asked what the department currently does, whether it is fulfilling existing law on science-based cannabis information, and what kinds of treatment would be provided; the department said services would mainly be intensive outpatient, outpatient, counseling, and related youth-focused supports. No vote was taken during the hearing.
AL
Alabama 2025 Regular Session
Alabama House Children and Senior Advocacy Committee Mar 19th, 2025
Children and Senior Advocacy
Transcript Highlights:
- supportive of this bill, but this is more for coaches when they see a child in... ...when they're at practice
- I have practiced for 30 years in Russell County, Alabama, and I have the privilege of serving as the
- This bill threatens the very foundation of child protection by disregarding best practices in forensic
- And as my practice, we do not vote on a bill the same day as a public hearing.
Keywords:
Coach Safely Act, youth athletics, noncompliance penalties, Department of Public Health, youth athlete, social media, age verification, minors, under 16, children online safety, online privacy, platform regulation, deceptive trade practice, Attorney General, civil penalties, punitive damages, consumer protection, account creation, algorithmic feeds, internet safety
AL
Alabama 2026 Regular Session
Alabama House Boards, Agencies and Commissions Committee Feb 25th, 2026
Boards, Agencies and Commissions
Keywords:
emergency medical services, military training, licensure, public health, veterans, health benefits, nonprofit organization, agriculture, insurance regulation, taxation, hospital liens, medical billing, government healthcare, insurance claims, patient rights, HB462, chiropractic, chiropractor, State Board of Chiropractic Examiners, professional licensing
HI
Hawaii 2026 Regular Session
CPC Public Hearing - Tue Mar 24, 2026 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- </c><00:17:35.280><c> division</c> First up is DCCA's insurance division First up is DCCA's insurance
- to be unfair methods of competition and unfair or deceptive acts or practices in the business of insurance
- to be unfair methods of competition and unfair or deceptive acts or practices in the business of insurance
- Every insurer fraud detox only.
- I'm Meredith Nichols on behalf of DHS. insurance. Requires all health insurers, insurance.
Keywords:
condominium governance, education trust fund, unit owners, real estate, dispute resolution, financial obligations, community representation, pharmacy benefit managers, maximum allowable cost, transparency, drug pricing, insurance commissioner, contracting pharmacies, healthcare, substance use disorder, SUD, addiction treatment, behavioral health, mental health, rehabilitation
Summary:
The committee heard testimony on SB 2433 SD1 relating to condominiums, which would direct the condominium education trust fund toward educational resources for unit owners and require the Real Estate Commission to ensure owners’ interests are represented in funded activities and related rulemaking. Supporters, including the Hawaii Real Estate Commission and a condominium owner advocate, said owners need a seat at the table in condo governance and education efforts. Committee discussion focused on whether the bill was necessary, with the Real Estate Commission indicating it could already use the trust fund for owner education and that owners are already considered stakeholders, though not through a specific commission seat. No vote was taken during the excerpted discussion.
The committee then took up SB 2047 SD2 HD1 on pharmacy benefit managers, which would set requirements for maximum allowable cost reimbursement, allow reverse-and-rebill claims after successful appeals, and authorize fines for violations. The Insurance Division offered comments, the Hawaii Pharmacists Association supported the measure with amendments and suggested future PBM reform funding, and Kaiser Permanente requested a technical amendment. A committee question raised whether the staffing and resource request for implementation was too large for a bill focused only on MAC pricing, and the witness said he would provide more data to the next committee. No final action was shown.
Next was SB 2425 SD2 HD1 on health insurance and substance use disorder treatment, requiring insurers to honor written assignments of benefits to SUD providers and prohibiting anti-assignment clauses. Supporters described patients being unable to access treatment because of high out-of-pocket costs and said direct payment would reduce harm for people in recovery. HMSA opposed the bill but said it would begin direct payments to non-participating SUD facilities effective March 27, while continuing to object to the assignment-of-benefits portion because of fraud and balance-billing concerns; the Hawaii Association of Health Plans also opposed. Members questioned HMSA about reimbursement mechanics and why the bill was needed if coverage policies were already changing.
Finally, the committee heard SB 3045 SD1 HD1, which would require coverage of continuous glucose monitors and related supplies, including for Medicaid managed care, under certain conditions. DHS and the Insurance Division offered comments, while SHPDA, Hilo Benioff Medical Center Foundation, and others supported the bill, citing inconsistent access and a case in which a woman allegedly died after being denied a CGM. HMSA said it already covers medically necessary CGMs and had updated its policy in 2025 for type 1 and insulin-dependent patients, but it raised concerns about expanding mandated coverage to type 2 and gestational diabetes and about supply impacts. The committee also discussed whether the bill duplicated existing coverage standards and why it had been introduced repeatedly. No votes or final dispositions were included in the excerpt.
NM
New Mexico 2026 Regular Session
Senate - Health and Public Affairs Feb 13th, 2026 at 04:01 pm
Senate Health & Public Affairs
Transcript Highlights:
- The network is comprised of 30 independent private practices throughout the state.
- Physician assistants are very well-trained, qualified individuals within the scope of their practice.
- unnecessary barriers that make it harder for qualified PAs to practice in New Mexico or provide care
- To practice in New Mexico or provide care through telehealth.
- everything I could about where that practice is and the laws surrounding it.
Keywords:
physician assistants, interstate compact, medical services, licensure, cross-state practice, military families, regulatory authority, physical therapy, licensure compact, interstate practice, healthcare, military spouses, criminal background check, HB34, school nurse, school nurses, nurse licensure, charter school, charter schools, school district
TX
Texas 89th Regular
Senate Committee on Health and Human Services (Part II) May 21st, 2025
Health & Human Services
Transcript Highlights:
- Those engaging in patient brokering may use deceptive practices or marketing schemes to direct a prospective
- Insurance plans are not always widely accepted in our communities; insurance coverage does not always
- best practices—things that keep you away from inserting your own bias.
- But what did that look like when you began practicing?
- Decades of research has illustrated the harms ...of such practices, and 22 states have banned this practice
Bills:
HB1106, HB3284, HB541, HB713, HB1403, HB1586, HB1942, HB2070, HB2844, HB2851, HB3151, HB3749, HB3940, HB3963, HB4454, HB4466, HB4795, HB5154, HB5394, SB1357, HB1052, HB4099, HB4638, HB5147
Keywords:
child abuse, neglect, gender identity, sexual orientation, child welfare, marriage, family, Texas Commission, family welfare, marriage support, stability, premarital education, child development, strong families, direct patient care, healthcare, physicians, medical services, insurance regulation, maternal health
TX
Texas 89th Regular
Senate Committee on Health and Human Services (Part I) May 21st, 2025
Health & Human Services
Transcript Highlights:
- It would allow primary care without involving insurance.
- I practice in Galveston. We wholly support HB 2070.
- Some facilities do, so insurance doesn't pay for it.
- Into the bloodstream is a medical act as defined by the Medical Practice Act.
- Practicing naked.
Bills:
HB1106, HB3284, HB541, HB713, HB1403, HB1586, HB1942, HB2070, HB2844, HB2851, HB3151, HB3749, HB3940, HB3963, HB4454, HB4466, HB4795, HB5154, HB5394, SB1357, HB1052, HB4099, HB4638, HB5147
Keywords:
child abuse, neglect, gender identity, sexual orientation, child welfare, marriage, family, Texas Commission, family welfare, marriage support, stability, premarital education, child development, strong families, direct patient care, healthcare, physicians, medical services, insurance regulation, maternal health
LA
Louisiana 2026 Regular Session
House and Governmental Affairs Apr 1st, 2026
House and Governmental Affairs
Transcript Highlights:
- House Bill 648 offers a simple, practical solution.
Keywords:
constitutional convention, Louisiana constitution, electoral process, government structure, delegate elections, legislative attendance, task force, executive meetings, public meetings, confirmation process, delegates, state election, ratification, Louisiana, absentee voting, incarcerated voters, voter registration, mail-in voting, election rights, felony conviction
AZ
Arizona 2026 Regular Session
02/19/2026 - Senate Health and Human Services
Health and Human Services
Transcript Highlights:
- , or no insurance, and now they're off cycle, and they can't.
- Madam Chairman... ...in investigating the company for bad practice?
- that patient to consider those other insurers?
- ...insurers? What if the patient says, 'Who are you still with?'
- And so the bill specifically says only insurance brokers can do this.
Bills:
HB2408, HB2434, HB2725, HB2728, HB2729, HB2730, HB2731, HB2732, HB2733, SB1192, SB1398, SB1399, SB1494, SB1557, SB1813, SB1821
Keywords:
nursing board, regulatory actions, disciplinary actions, expungement, healthcare professionalism, controlled substances, prescription monitoring, opioid crisis, healthcare regulations, patient safety, prescription drugs, opioids, healthcare, pain management, utilization controls, AHCCCS, Department of Economic Security, social services, welfare programs, vocational rehabilitation
TX
Texas 89th Regular
Trade, Workforce & Economic Development Apr 30th, 2025
Trade, Workforce & Economic Development
Transcript Highlights:
- The State Office of Risk Management administers the Voluntary Insurance Program.
- Functionally, it's similar to raising your deductible on your insurance policy.
- As we are because of the unfair trade practices of imported shrimp coming in.
- The bill also clarifies that violations of the Deceptive Trade Practices section are false, misleading
- , or deceptive acts or practices under Chapter 17.
Bills:
HB1958, HB2031, HB2879, HB3285, HB3995, HB4487, HB4558, HB4560, HB4876, HB4899, HB5212, HB5317, HB5543, HB5567, SB1333
Keywords:
firearm possession, tenant rights, landlord regulations, civil penalties, property code, justified use of force, deadly force, property rights, home defense, smart devices, data privacy, personal data collection, user consent, mobile application, data transparency, HOA, property owners association, property owners' association, Texas Property Code, Chapter 202
KY
Kentucky 2026 Regular Session
Senate Legislative Session Day 57 (4-1-26) - Part 1
Kentucky Senate Floor Meeting
Keywords:
open records, public access, transparency, government accountability, public agency, dental practice, licensing, administrative regulations, dental assistants, supervision, Medicaid, community engagement, healthcare, managed care, eligibility, public assistance, insurance, public adjuster, claim process, contract requirements
KY
Kentucky 2026 Regular Session
Senate Legislative Session Day 57 (4-1-26) - Part 2
Kentucky Senate Floor Meeting
Keywords:
open records, public access, transparency, government accountability, public agency, dental practice, licensing, administrative regulations, dental assistants, supervision, Medicaid, community engagement, healthcare, managed care, eligibility, public assistance, insurance, public adjuster, claim process, contract requirements
TX
Transcript Highlights:
- I always share that we never practiced medicine. I practiced nursing.
- I support their ability to practice where they can practice.
- Those practices.
- To a family practice doctor, the family practice doctor is, I mean, used to family practice—whatever
- Family practice, you know, by themselves in a solo practice.
Bills:
HB35, HB4490, HB4454, HB2188, HB3078, HB4743, HB2556, HB46, HB5342, HB4783, HB3785, HB5278, HB1639, HB2581, HB4224, HB4070, HB4099, HB4882, HB3794, HB46
Keywords:
peer support, first responders, mental health, confidentiality, emergency services, disclosure, next of kin, public information, deceased persons, privacy rights, patient solicitation, marketing practices, healthcare regulation, task force, deceptive advertising, nurse aide, certification, Texas Board of Nursing, healthcare workforce, nursing standards
TX
Transcript Highlights:
- In practice for...
- We're talking about kickback schemes and deceptive practices.
- And this is also the same level of care where a lot of the deceptive and unethical practices, such as
- practices.
- It addresses the internet and the deceptive practices. And that was, oh, go ahead.
Bills:
HB46, HB35, HB4490, HB4454, HB2188, HB3078, HB4743, HB2556, HB46, HB5342, HB4783, HB3785, HB5278, HB1639, HB2581, HB4224, HB4070, HB4099, HB4882, HB3794
Keywords:
local government spending cap, expenditure limit, political subdivision, property tax, ad valorem tax, budget cap, taxpayer protection, spending restraint, inflation adjustment, population growth, voter approval, supermajority vote, county budget, municipal budget, school district finance, junior college district, hospital district, special district, attorney general enforcement, local fiscal limits
AL
Alabama 2026 Regular Session
Alabama House Fiscal Responsibility Committee Feb 11th, 2026
Fiscal Responsibility
Keywords:
religious instruction, elective credit, released time, public education, school policy, tax credit, scholarship, education funding, financial aid, federal participation, HB168, Alabama, emergency management, local emergency management organization, mutual aid, mutual aid agreement, disaster response, public safety, public health, state emergency management plan