Video & Transcript Research : 'coverage requirements'

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NM

New Mexico 2025 Regular Session

Senate - Health and Public Affairs Oct 2nd, 2025

Senate Health & Public Affairs

Transcript Highlights:
  • We are still pressing ahead with the expanded coverage.
  • There's significant coverage.
  • What else are the requirements to be included?
  • You have to satisfy immigration status requirements.
  • I'm sorry, page five on significant coverage.
FL

Florida 2025 Regular Session

February 4, 2025 - 03:00 PM

Transcript Highlights:
  • That's family coverage.
  • So that $20 a month coverage for their whole family...
  • coverage, or is that wrapped into CHIP as well?
  • continuous coverage.
  • coverage.
Summary: The committee received a briefing from AHCA Deputy Secretary Brian Meyer and Florida Healthy Kids CMO Ashley Carr on implementation of HB 121, which was enacted in 2023 to expand Florida’s KidCare/CHIP eligibility from 200% to 300% of the federal poverty level and replace the sharp premium “benefits cliff” with a tiered premium glide path. Sponsor Rep. Bartleman described the bill as a bipartisan effort to help working families keep children insured while moving toward economic self-sufficiency. The presenters explained that the program remains a joint federal-state structure, with Medicaid unchanged and the bill affecting only the CHIP-related portions of KidCare. AHCA said implementation has been delayed by federal CMS actions. The agency reported that CMS first rejected a state plan amendment approach, then required revisions to the premium tiers under a new maintenance-of-effort interpretation, and later issued a new interpretation of continuous 12-month eligibility that would prevent disenrollment for nonpayment of premiums. AHCA said it submitted an 1115 waiver, but negotiations over special terms and conditions reached an impasse, and the state has filed litigation challenging CMS’s interpretation. Members asked about the cost of litigation, the effect on future bills, the review process for CMS documents, disenrollment and reenrollment rules, and whether any additional legislative action is needed; AHCA said no further state action is needed at this time and that the key issue is the pending federal litigation. Several members and the sponsor emphasized the need for immediate implementation and asked about possible interim relief. AHCA said current coverage remains in place under the preexisting program, that there is a 30-day grace period for premium payment, and that reenrollment does not require a penalty or back payment, though coverage is not active during lapsed periods. The committee also heard public comment from Nicholas Hessing of the Children’s Services Council of Broward County and the Florida Alliance of Children’s Councils and Trusts, who supported HB 121 and said the expansion could make about 17,600 additional children eligible in Broward County alone. The meeting ended with Rep. Bartleman thanking staff and expressing hope that the new federal administration would allow the program to move forward, and the chair adjourned the meeting.
TX

Texas 89th 2nd C.S.

Insurance Mar 5th, 2025

Insurance

Transcript Highlights:
  • And are limited to offering liability coverage.
  • For example, TWEA has a limited coverage area.
  • TWA is not subject to any minimum reserve requirements.
  • The association provides coverage for homeowners who can't find coverage on the open market.
  • area may require us to issue bonds to pay the claims.
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Financial Services Jun 21st, 2026 at 10:00 am

Joint Committee on Financial Services

Transcript Highlights:
  • And this bill is now more than ever critical to get passed so that we can require the coverage for CRT
  • The bill would require health insurance coverage for a continuum of pregnancy medical care, including
  • The bill would require health insurance coverage for a continuum of pregnancy medical care, including
  • It's a simple bill, really, just requiring coverage and payment for interpreter services.
  • MassHealth coverage by now requiring private insurance plans to cover doula services.
Keywords: 995, all
Summary: The Joint Committee on Financial Services held a lengthy public hearing with testimony on a wide range of health insurance and access-to-care bills. Early testimony focused on prescription drug pricing and pharmacy reimbursement, with supporters of H. 1326 arguing that pharmacy benefit managers and MassHealth managed care arrangements reimburse independent pharmacies too little, contributing to pharmacy closures and “pharmacy deserts.” The committee also heard repeated support for H. 1151/S. 742 on cognitive rehabilitation for acquired brain injury, H. 1288/S. 716 on telehealth parity for nutrition counseling, H. 1309/S. 761 on full-spectrum pregnancy care without cost-sharing, H. 1312 on insurance coverage for doula services, H. 309 on prompt access to health care by removing deductibles for certain services, H. 809/H. 1227 on biomarker testing, H. 1162/S. 810 on reducing inequities in access to medical procedures by limiting insurer cuts tied to Modifier 25, and S. 726 on insurance coverage for mobile integrated health. Testifiers included legislators, physicians, pharmacists, dietitians, emergency and rehabilitation clinicians, and patients and family members. Supporters of the brain injury bill said cognitive rehabilitation is medically necessary, improves long-term outcomes, and can reduce institutional care and public costs; they noted the bill has been heard repeatedly and has support from the Brain Injury Commission and prior favorable committee action. Supporters of the pregnancy care and doula bills described out-of-pocket costs as a barrier to maternal health and shared personal stories of high bills and unmet support needs. Biomarker testing advocates and cancer patients said coverage gaps deny patients access to precision treatment, can lead to avoidable suffering, and should be standardized across insurers; several speakers said insurers often deny claims despite clinical benefit. Dermatology witnesses said insurers’ use of Modifier 25 cuts reimbursement for same-day evaluation and procedure visits, forcing separate appointments and increasing patient burden. Mobile integrated health supporters described home-based care as a way to reduce emergency department use and hospital readmissions, especially for patients with transportation or mobility barriers. No votes or formal committee actions were taken during the hearing itself.
FL

Florida 2025 Regular Session

February 4, 2025 - 12:30 PM

Transcript Highlights:
  • That is a state law requirement.
  • that renewed with wind coverage after July 1, 2023, within a flood zone defined by the NFIP, were required
  • And I think that’s, you know, again, the wisdom behind Senate Bill 2A requiring flood coverage.
  • And I think that’s, you know, again, that’s the wisdom behind Senate Bill 2A requiring flood coverage
  • coverage.
Summary: The Insurance and Banking Subcommittee received a lengthy presentation from Citizens Property Insurance Corporation CEO Tim Serio, with Insurance Commissioner Michael Yaworski also answering questions. Serio reviewed Citizens’ role as Florida’s insurer of last resort, its statutory funding structure, eligibility rules, depopulation program, reinsurance obligations, and the surcharge/emergency assessment mechanisms that can be used if Citizens runs a deficit. He emphasized that recent legislative reforms, combined with lower litigation and improved market conditions, have helped the private market recover and reduced Citizens’ policy count from a peak of about 1.41 million in 2023 to 936,182 at the end of 2024, with a projected drop to about 771,000 by the end of 2025. He also said the reforms reduced Citizens’ rate need and helped avoid an emergency assessment after the 2024 storms. Members asked about Citizens’ rate increases, why Citizens still seeks higher rates despite lower litigation, how the 20% eligibility threshold works, whether Citizens should be wind-only, and whether the state or federal government could help with deficits. Serio explained that Citizens is still charging below actuarially sound rates in most areas, that rate filings reflect reduced litigation and lower reinsurance exposure, and that assessments on all Florida property policyholders are the reason Citizens tries to build surplus and depopulate. He said the depopulation program is working better than in the past, with less than 2% of takeout policies returning to Citizens, and that the Office of Insurance Regulation has been vetting takeout companies more carefully. A substantial portion of the discussion focused on claims handling after Debby, Helene, and Milton, including flood-versus-wind disputes and Citizens’ use of the Division of Administrative Hearings for some claim disputes. Serio said Citizens had received 76,625 claims from the three storms and had paid nearly $823 million in indemnity and expenses as of January 7, 2025. He said many closed-without-payment claims were either below deductible, withdrawn, duplicate, or flood-only, and that Citizens had asked its internal audit function to independently review the claims data and denials. He also described Citizens’ storm outreach, catastrophe response centers, managed-repair program, and claim review process, and said the corporation remains focused on paying valid claims while minimizing the risk of assessments on the broader Florida market.
NM

New Mexico 2026 Regular Session

House - Chamber Meeting Feb 13th, 2026 at 11:03 am

New Mexico House Floor Meeting

Transcript Highlights:
  • Speaker, gentlemen, from Sandoval, I recognize that it also requires they can't require a permit, et
  • Speaker, gentlelady, by requiring disclosure of the PFAS within a...
  • At this time, it may require labeling requirements. Okay, thank you, Mr. Speaker.
  • the EIB to require disclosure requirements of a product regardless of whether or not it's exempted, as
  • So I'm just wondering how we're requiring, like, how do we require on page three the report of implementation
NM

New Mexico 2026 Regular Session

House - Chamber Meeting Feb 10th, 2026 at 11:16 am

New Mexico House Floor Meeting

Transcript Highlights:
  • , free child care, and those that are left behind continue to be twice... ...coverage, free child care
  • This bill requires agencies receiving growth funds to submit an accountability and evaluation plan.
  • The Executive Reorganization Act requires that each department can establish units.
  • That will be part of what will be required of them here, depending on their funding source.
  • That will be part of what will be required of them here, depending on their funding source.
NV
Transcript Highlights:
  • So we have included in the bill that OSHA will be required to create those guidelines, and, as they did
  • These are projects that would only require this one-time funding.
  • The bill also requires coverage of medication administration to treat substance use disorder.
  • The bill requires the Public Utilities Commission of Nevada to adopt regulations requiring public utilities
  • The bill requires the Public Utilities Commission of Nevada to adopt regulations requiring public utilities
CA

California 2025-2026 Regular Session

Assembly Insurance Committee Jul 16th, 2025

Transcript Highlights:
  • own coverage when there is insufficient or no coverage by another driver who is at fault.
  • SB 371, informed by data, modernizes the coverage requirements, but still above what the law requires
  • Furthermore, it is notable that 26 states do not require this coverage at all for TNCs.
  • This bill proposes a drastic reduction in the uninsured and underinsured motorist coverage, UM/UIM, required
  • Drastic reduction in the uninsured and underinsured motorist coverage, UM/UIM, required of Uber and Lyft
Summary: The committee heard several insurance-related bills. SB 371 by Senator Cabaldon would lower uninsured/underinsured motorist coverage requirements for rideshare companies from the current $1 million level to $100,000 per person and $300,000 per incident, with added transparency and data-reporting provisions. Uber, Lyft, and several business groups supported the bill as a way to reduce fares and improve affordability, while consumer attorneys, labor groups, and others opposed it as a major cut in protection for injured passengers and drivers. Committee members raised concerns about whether savings would actually reach riders and drivers, but the bill was approved on a do-pass vote to the next committee, with one member not voting. SB 487 by Senator Grayson would change how settlement or judgment proceeds are distributed when peace officers or firefighters are injured by a third party, ensuring they receive at least two-thirds of the at-fault party’s liability insurance limits in certain cases. Supporters, including public safety unions and an injured deputy sheriff, said current law can leave injured first responders with little or no recovery after employer reimbursement, while opponents representing cities, counties, and public agencies argued the bill would reduce recovery of taxpayer-funded workers’ compensation costs and lacked sufficient data. The committee members who spoke largely supported the bill, and it passed on a do-pass vote to Appropriations, with one member not voting. SB 616 by Senator Rubio would create an independent community hardening commission within the Department of Insurance to develop statewide wildfire mitigation recommendations and a post-catastrophe reporting process. The Department of Insurance, local governments, consumer groups, and fire-related organizations supported the measure as a way to improve wildfire resilience and insurance availability, while water agencies opposed provisions touching water infrastructure and warned of litigation and ratepayer impacts. The bill advanced on a do-pass vote to Appropriations, with some members not voting and one member voting no. The committee also heard SB 547 by Senator Perez, coauthored by Senator Rubio, which would extend wildfire-related insurance cancellation/nonrenewal moratoriums to commercial properties; insurers removed their opposition after amendments, and the bill passed to Appropriations on a do-pass vote.
AL

Alabama 2025 Regular Session

Alabama Senate Banking and Insurance Committee Apr 16th, 2025

Banking and Insurance

Transcript Highlights:
  • We have required the submission of them.
  • We have required Alpha Health place. We have required Alpha Health plans to cover certain benefits.
  • We have required compliance with the Alabama prompt payroll.
  • While plans sold through the insurance marketplace or other employer-based coverage are required to cover
  • coverage.
Keywords: 923, senate, all
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Financial Services Jun 21st, 2026 at 10:30 am

Joint Committee on Financial Services

Transcript Highlights:
  • And this is legislation to require insurance coverage for hair prostheses for people living with the
  • It's an act requiring coverage for medically necessary oral and dental care for head and neck cancer
  • About a bill requiring coverage of medically necessary oral and dental care for head and neck cancer
  • It would make our coverage requirements more meaningful and more modern.
  • I'm here in support of H. 1258, an act requiring coverage of medically necessary oral and dental care
Keywords: 995, all
Summary: The hearing opened with the Senate and House chairs of the Joint Committee on Financial Services explaining that the day’s agenda would focus on health insurance and other insurance matters, with a large number of witnesses and a request for brief testimony. Legislators were taken out of order to accommodate their schedules, and the committee heard testimony on several bills, including coverage for hair prostheses for alopecia (H. 1223/S. 832), medically necessary oral and dental care for head and neck cancer survivors (H. 1258), modernizing fertility and family-building coverage (H. 715/H. 1190 and related bills), coverage for prosthetic devices to support physical activity for people with limb loss (the “So Everybody Can Move” bill), remediation coverage for home heating oil releases (S. 813/H. 1302), and expanded access to physical therapy for Ehlers-Danlos syndrome (H. 1170). A separate bill on sickle cell care and registry development (S. 788) was also discussed by Senator Liz Miranda. Witnesses largely offered personal stories and expert testimony in support of the bills. Advocates for alopecia coverage described the medical and emotional impact of hair loss, the high cost of quality wigs, and the argument that scalp and facial hair prostheses should be treated like other medically necessary prosthetics. Cancer survivors and supporters of H. 1258 said oral and dental care after head and neck cancer treatment is a quality-of-life issue and often not covered despite major out-of-pocket costs. Fertility specialists, LGBTQ+ advocates, and legislators supporting the modern family-building bills said the current infertility definition is outdated and discriminatory, excluding same-sex couples, people needing donors or gestational carriers, and others with medical barriers to conception. For the limb-loss bill, parents and adults with prosthetic needs stressed that activity-specific prostheses are essential for children and adults to run, swim, play sports, and stay healthy, but are often excluded from coverage. The home heating oil testimony focused on the financial devastation caused by residential oil spills and the need to make spill coverage automatic in homeowners policies. Environmental professionals and homeowners described cleanup costs ranging from tens of thousands to hundreds of thousands of dollars, the strict liability homeowners face, and the fact that many policyholders do not know the rider exists. The insurance industry testified in opposition to the mandatory-coverage approach, arguing for clearer distinctions between first- and third-party coverage, risk-mitigation standards, a delayed effective date, and more emphasis on education and notification rather than mandates. Committee members pressed the industry witness on why agents do not routinely tell customers about the rider and suggested that the issue may require broader disclosure by insurers, agents, and fuel dealers. No votes were taken during the hearing; the committee heard testimony and discussed possible compromise language and future action.
MN
Transcript Highlights:
  • lose coverage and affect the pool. lose coverage and affect the pool.
  • . part of our coverage.
  • . coverage. coverage.
  • And most of our members are under the 50-staff threshold that requires group coverage, and many folks
  • plan, probably with less coverage. plan, probably with less coverage.
Keywords: 1187, senate, all
MN

Minnesota 2025-2026 Regular Session

Committee on Finance - 04/23/26

Finance

Transcript Highlights:
  • Up to this point, the coverage requirement that's in Senator Wiklund's bill would be for large group
  • It seems every time that we add a new coverage requirement, the cost of health insurance rises and we've
  • It seems every time that we add a new coverage requirement, the cost of health insurance rises and we've
  • It seems every time that we add a new coverage requirement, the cost of health insurance rises and we've
  • It seems every time that we add a new coverage requirement, the cost of health insurance rises and we've
Keywords: 1187, senate, all
TX
Transcript Highlights:
  • to very little coverage.
  • I've got great coverage.
  • [Speaker continues] The type of coverage, which is mandated, would exceed the ACA-required coverages.
  • coverage.
  • find coverage.
Keywords: 1185, senate, all
FL

Florida 2026 4th Special Session

February 12, 2026 - 02:30 PM

Transcript Highlights:
  • Insurance coverage for many agencies is exceeding the amount of coverage, making this for some agencies
  • requirements for the CBCs.
  • or a contractual requirement for lead agencies to carry that amount of John Hooper: coverage for professional
  • required to or not.
  • It all looks at ways to get the coverage and make sure the coverage is there for the children.
CA
Transcript Highlights:
  • requirement but still above what is required by law for anybody else.
  • Furthermore, it is notable that 26 of these states do not even require this coverage for TNCs.
  • This bill proposes a drastic reduction in the uninsured and underinsured motorist coverage required of
  • This coverage is not a luxury.
  • coverage as regular drivers—so that's...
Summary: The Assembly Communications and Conveyance Committee heard three bills. SB 371 by Senator Cabaldon would reduce uninsured/underinsured motorist coverage requirements for transportation network companies from $1 million to $100,000 per person and $300,000 per accident, with committee amendments adding findings and declarations, higher limits than originally proposed, and a joint study on UM/UIM impacts. Supporters, including Uber, Lyft, business groups, and some consumer advocates, argued the bill would lower fares and increase driver earnings by reducing insurance costs. Opponents, including consumer attorneys, labor groups, and consumer watchdog organizations, warned it would cut protections for riders and drivers and might not guarantee savings would be passed through. The committee approved SB 371 on a due-pass basis and re-referred it to Appropriations by a 9-0 vote. The committee then heard SB 716 by Senator Durazo, which would create a Home Internet Lifeline Program to let eligible low-income households apply Lifeline subsidies to home broadband service. Proponents said the bill addresses broadband affordability after the federal Affordable Connectivity Program expired, and that it would help students, workers, and families access reliable internet. Opponents from the wireless industry objected to the funding mechanism, arguing the surcharge would fall unfairly on wireless consumers, while one broadband group moved to neutral after amendments. The bill was approved on a due-pass basis and sent to Appropriations, but the roll was held open and later completed with the bill passing 7-1. The committee also took up SB 480 by Senator Archuleta relating to autonomous vehicles as a consent item, with no presentation or debate. It was approved on a due-pass basis and re-referred to Appropriations by a 9-0 vote. Throughout the hearing, members repeatedly focused on affordability, consumer protection, and whether savings from the bills would actually reach riders, drivers, or households.
LA

Louisiana 2026 Regular Session

Insurance Apr 23rd, 2026

Insurance

Transcript Highlights:
  • disorders, to require coverage for medically necessary treatment of SCN2A-associated medical conditions
  • This amendment clarifies the coverage requirement by stating that services must be ordered by a provider
  • All right, and so we’ve got this new provision that requires 25% that a health coverage plan pay 25%
  • So without that, there’s a coverage requirement at basically the prevailing cost share of the product
  • Since the cost is the primary barrier for the GOP, requiring insurance coverage is disproportionate for
Keywords: 965, house, all
Summary: The House Insurance Committee met on April 23 with a quorum present and began by announcing that HB 1142 was deferred. The committee then took up HB 1187, which would direct any excess Louisiana Citizens emergency assessment funds, after related debt is satisfied, toward the Louisiana Fortified Homes Program or future Citizens obligations. Commissioner Tim Temple and Rep. Sawyer said the bill would likely redirect about $50 million to the popular fortified roof grant program, which has already awarded thousands of roofs and is oversubscribed. With support from Citizens and others, the committee adopted technical amendments and reported HB 1187 favorably. The committee next considered HB 1210, a proposal by Rep. Dana Henry to create a pre-suit claim review process for Louisiana Citizens disputes modeled on Florida’s system. After explaining that the bill was prompted by constituent concerns about rising homeowners insurance costs, Henry voluntarily deferred the bill and instead moved toward a study resolution. The substitute version, which would have allowed Citizens disputes to be resolved through the Division of Administrative Law, was adopted for discussion, but the bill was ultimately voluntarily deferred after testimony from Citizens and the department supporting further study. HB 1199, by Rep. Jordan, would require coverage for genetic testing and medically necessary treatment for SCN2A-associated disorders. After adopting an amendment clarifying that coverage depends on provider order and medical necessity, the committee heard emotional testimony from a parent describing her daughter’s severe SCN2A condition and the difficulty obtaining genetic testing. The bill was reported favorably. The committee then took up HB 880, the Louisiana Artificial Intelligence Insurance Fairness Act, which would regulate AI use in underwriting, rating, and claims. Jordan said the bill raised state-federal insurance regulatory issues and could jeopardize federal broadband funding, so he voluntarily deferred it; HB 920 was also voluntarily deferred. Finally, the committee considered HB 1221, by Rep. Amadee, which would narrow data collection under the surplus lines premium tax system to protect policyholder privacy. Former Rep. Bowler argued the department should not collect names, addresses, or coverage limits and that the bill would preserve privacy without affecting tax collection. The Department of Insurance said the broader data is needed for premium tax reconciliation, fraud detection, and post-disaster assistance. After debate, a motion to report HB 1221 favorably failed on a 6-6 roll call. The committee then moved on to HB 869 by Rep. Lyons, a health insurance bill covering injectable drugs for glucose or weight-loss treatment, but the transcript ends before further action on that measure.