Transcript Highlights:

• Insurance will come to order. The clerk will call the roll. Dean. That's it.
• Members, healthcare provider insurance credentialing is a process by which insurers validate the qualifications
• The Texas Department of Insurance requires an insurer to determine a provider's eligibility within 90
• The insurer isn't required to include the applicant in its provider directory until approved under the
• The insurer is entitled to payment from the provider and/or their practice to cover the difference from

Bills: HB854 , HB 1052 , HB1642 , HB2076 , HB3042 , HB3695 , HB3787 , HB4062 , HB4092 , SB213 , SB493 , SB896 , HB5519 , HB4635

Committee: House Insurance

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• Those bills are now found in subchapters L and M of chapter 1369 of the Texas Insurance Code.
• When 10%, as is testified during our. from committee hearings could be lost to fraud, waste, and abuse
• by Medicaid than those with Medicare or private insurance.
• patients, my apologies, phase 1.3 days longer wait times than privately insured ones, while another
• Other OIG police officers investigate snap fraud at retailers.

Bills: SB502 , SB513 , SB622 , SB670 , SB731 , SB732 , SB916 , SB961 , SB1122

Committee: Senate Health & Human Services

Keywords: SB 502, Texas peace officers, Health and Human Services Commission, HHSC Office of Inspector General, OIG investigators, law enforcement classification, Schedule C, state employee benefits, injury benefits, peace officer status, commissioned officers, state auditor classification, Government Code, Code of Criminal Procedure, human services, health and human services, law enforcement compensation, public employee benefits, Texas state law enforcement, child welfare

Transcript Highlights:

• Patients too often face confusing disputes with insurance carriers over ambulance services, which are
• Because they are very different versus driving everybody to insurance carriers.
• It will save the employer money in providing health insurance. We're trying to drive down the cost.
• Health insurance so that employers will provide that for their employees and not take it out of their
• I'm not sure that the employer-sponsored insurance.

Bills: SB502 , SB513 , SB622 , SB670 , SB731 , SB732 , SB916 , SB961 , SB1122

Committee: Senate Health & Human Services

Keywords: SB 502, Texas peace officers, Health and Human Services Commission, HHSC Office of Inspector General, OIG investigators, law enforcement classification, Schedule C, state employee benefits, injury benefits, peace officer status, commissioned officers, state auditor classification, Government Code, Code of Criminal Procedure, human services, health and human services, law enforcement compensation, public employee benefits, Texas state law enforcement, child welfare

Transcript Highlights:

• Patients too often face confusing disputes with insurance carriers over ambulance services frequently
• And if these policies are too burdensome for the state's own insurance plans, we would ask why should
• We have about 15 million Texans that get their health insurance through ERISA plans, and we, we would
• Cancer patients are forced to fill their medications through their insurance aligned pharmacy benefit
• I'm not sure that the employer sponsored insurance gets the best deal.

Bills: SB 502 , SB 513 , SB 622 , SB 670 , SB 731 , SB 732 , SB 916 , SB 961 , SB 1122

Committee: Senate Health & Human Services

Keywords: SB 502, Texas peace officers, Health and Human Services Commission, HHSC Office of Inspector General, OIG investigators, law enforcement classification, Schedule C, state employee benefits, injury benefits, peace officer status, commissioned officers, state auditor classification, Government Code, Code of Criminal Procedure, human services, health and human services, law enforcement compensation, public employee benefits, Texas state law enforcement, child welfare

Bills: SB302 , SB1335 , SB1734 , SB1760 , SB1975 , SB2127

Committee: Senate Jurisprudence

Keywords: probate court, statutory judge, reimbursement, court costs, court proceedings, judicial assignments, judge assignment, cost reimbursement, judicial expenses, estate management, statutory requirement, court expenses, estates, inheritance, representative duties, court authority, personal representative, real property, deed fraud, title fraud

Transcript Highlights:

• Senate Bill 1734 addresses the growing issue of deed fraud.
• documents or commits fraud on a notary to file real property documents.
• Senate Bill 1734 is a self-help bill for victims of deed fraud.
• We see this as a good mechanism to further reduce and address property fraud.
• that they create to continue the fraud.

Bills: SB302 , SB1335 , SB1734 , SB1760 , SB1975 , SB2127

Committee: Senate Jurisprudence

Keywords: probate court, statutory judge, reimbursement, court costs, court proceedings, judicial assignments, judge assignment, cost reimbursement, judicial expenses, estate management, statutory requirement, court expenses, estates, inheritance, representative duties, court authority, personal representative, real property, deed fraud, title fraud

Transcript Highlights:

• Senate Bill 1734 addresses the growing issue of deed fraud.
• In some cases, these fraudsters attempt to sell the property outside of the title insurance system, so
• Under current law, resolving deed fraud can be a costly, complicated, and time consuming matter.
• We see this as a good mechanism so that we can further reduce and address property fraud, and I thank
• another, there's they come up with it, they create another opportunity to continue the fraud and so

Bills: SB 302 , SB 1335 , SB 1734 , SB 1760 , SB 1975 , SB 2127

Committee: Senate Jurisprudence

Keywords: probate court, statutory judge, reimbursement, court costs, court proceedings, judicial assignments, judge assignment, cost reimbursement, judicial expenses, estate management, statutory requirement, court expenses, estates, inheritance, representative duties, court authority, personal representative, real property, deed fraud, title fraud

Transcript Highlights:

• resources, to conduct a performance audit and report to the Legislature regarding state financial aid fraud

Bills: SB5826 , SB5828 , SB5909 , SB5931 , SB5954 , SB5963 , SB6082 , SB6090

Committee: Senate Higher Education & Workforce Development

Keywords: medication abortion, public education, access, healthcare rights, postsecondary institutions, college grant, scholarships, higher education, private institutions, Washington State, undergraduate programs, enrollment, program review, public institutions, workforce education, accountability, oversight, administrative changes, investment, veterans

Bills: HB162 , HB376 , HB425 , SB96 , HB426

Committee: House State Government

Keywords: homelessness, homeless individuals, unsheltered, transient, shelter, encampment, street outreach, relocation, displacement, law enforcement, municipal government, county government, local government, interjurisdictional transport, Class A misdemeanor, criminal penalties, public safety, social services, Alabama Code 15-20A-4, environmental regulation

Transcript Highlights:

• </c><00:08:00.960><c> premiums</c> with homeowners insurance premiums with homeowners insurance premiums
• <00:09:46.399><c> in</c> insurance in insurance in Minnesota<00:09:48.320><c> many</c><00:09:48.600><
• </c><00:10:15.000><c> companies</c> new roof by their insurance companies new roof by their insurance
• </c> conversations about dental insurance conversations about dental insurance mostly<00:25:05.840><c
• </c><01:36:51.280><c> insurance</c> affordable auto insurance insurance affordable auto insurance insurance

Bills: HF2228 , HF46 , HF856 , HF2149 , HF2215

Committee: House Commerce Finance and Policy

Keywords: homeowners insurance, property insurance, commercial property insurance, insurance affordability, insurance market stabilization, reinsurance, catastrophic reinsurance fund, self-insured pool, premium costs, coverage notice, liability reform, climate risk, climate change, housing affordability, multifamily housing, rental housing, common interest communities, cooperatives, small business insurance, Minnesota Commerce Department

Transcript Highlights:

• Section 544.002 of the Insurance Code is intended to protect individuals from having insurance companies
• at two types of auto insurance and two types of homeowners insurance to see whether or not Credit scores
• Credit-based insurance scores have been used in insurance for a few decades.
• American National Insurance. Okay.
• This incentivizes fraud and increases litigation costs, leading insurers to settle for amounts exceeding

Bills: HB712 , HB722 , HB946 , HB1687 , HB1809 , HB1899 , HB2528 , HB2583 , HB2741 , HB2750 , HB3021 , HB3150 , HB3265 , HB3658 , HB3812 , HB3960 , HB4392 , HB4432

Committee: House Insurance

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury

Transcript Highlights:

• I just tell the patient to get on the phone and call the insurance company because what the insurers.
• The first thing is with the other disclosures that are required that an insurer provide to an insured
• So, all this does is just require the insurer to notify the insured that you have a right to request
• assign to single insureds.
• We've just had a good discussion about the loophole in the Texas insurance code that allows insurance

Bills: HB712 , HB722 , HB946 , HB1687 , HB1809 , HB1899 , HB2528 , HB2583 , HB2741 , HB2750 , HB3021 , HB3150 , HB3265 , HB3658 , HB3812 , HB3960 , HB4392 , HB4432

Committee: House Insurance

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury

Transcript Highlights:

• Provide the necessary authority to respond to various types of financial fraud such as check fraud fraud
• , wire fraud, and organized crime. crime fraud schemes in general.
• . fraud and losses.
• Financial fraud, by and large, is organized crime, financial fraud many times.
• And lower the financial losses as banks often absorb the financial impact of check fraud. fraud, so stricter

Bills: SB1281 , SB1300 , SB1379 , SB1451 , SB1497 , SB1498 , SB1499

Committee: Senate Criminal Justice

Keywords: mail theft, postal theft, package theft, identity theft, negotiable instrument, check theft, mail receptacle key, mailbox lock, postal key, delivery service, courier, USPS, United States Postal Service, fraud, property crime, elderly victims, disabled victims, identity information, rebuttable presumption, felony enhancement

Transcript Highlights:

• amendment that I think is a favorable amendment, which deals specifically with ensuring that if insurance
• So, The lawsuit now would be that if they didn't have any other private insurance but only had Medicare
• The insurer. Let's just say it's Medicaid. That's the only policy that he has.
• Do we want their health insurance, be it Medicare, Medicaid, or insurance, be it Medicare, Medicaid,
• We're trying to force hospitals to use the force hospitals to use the healthcare insurance that you have

Bills: SB210 , SB292 , HB360 , HB233 , HB66 , HB356 , HB164 , HB238 , HB209 , SB223 , HB307 , SB210 , SB292 , HB360 , HB233 , HB66 , HB356 , HB164 , HB238 , HB209 , SB223 , HB307

Committee: Senate Judiciary

Keywords: hospital liens, medical billing, government healthcare, insurance claims, patient rights, education oversight, subpoena authority, investigation, State Superintendent, school misconduct, drug courts, accountability, veterans, mental health, substance abuse, rehabilitation, criminal justice, court intervention, terrorist threat, terroristic threat

Transcript Highlights:

• Um, so this is similar, but in health insurance and for life insurance.
• I had an insurance agent whose life insurance premium went down.
• insurance aspect, but we do support the concept of self-insurance in that area.
• for insurance.
• It would clarify that proof of fraud or intent is not required for an insurer to terminate or rescind

Bills: HB106 , HB144 , HB145 , HB252 , HB1732 , HB2221 , HB2467 , HB2468 , HB2517 , HB2518 , HB2963 , HB3016 , HB3689 , HB3960 , HB4386 , HB4490 , HB4751 , HB5247 , HJR175 , HB2213 , HB106 , HB144 , HB145 , HB252

Committee: Senate Business & Commerce

Keywords: HB 106, oil and gas, Railroad Commission of Texas, overhead electrical lines, electrical distribution system, power line maintenance, administrative penalty, Natural Resources Code, oil and gas lease, well operator, energy safety, utility infrastructure, regulatory compliance, cleanup fund, oil and gas regulation and cleanup fund, production safety, leasehold operations, electric utility, distribution poles, inspection

Transcript Highlights:

• “What I would say is, as insurance is generally a pass-through, meaning that the insurers are generally
• when a body shop and an insurance adjuster or insurance company could not agree on a loss value, to
• , not health insurance or other types.
• Commissioner to be involved in insurance rates?
• related to homeowners insurance.

Bills: HB3048 , HB3259 , HB3646 , HB3696 , HB3780 , HB3781 , HB3802 , HB3818 , HB4294 , HB4488 , HB2929

Committee: House Insurance

Keywords: insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review

Summary: The committee heard a series of insurance-related bills, with much of the discussion focused on homeowners insurance rates, transparency, and regulatory oversight. House Bill 3696, a proposed rate-approval style measure for homeowners insurance, drew extensive questioning about whether it would actually lower premiums, its comparison to Texas, the role of the Insurance Department and Attorney General, and possible effects on carriers and agents. The author said the bill was intended to increase transparency and consumer protections, acknowledged it was a work in progress, and agreed to strike the title and keep working with the committee. The bill ultimately passed the committee on a recorded vote. The committee also advanced House Bill 3259, which would prohibit certain health care contract clauses such as all-or-nothing, anti-steering, gag, and most-favored-nation provisions; House Bill 4294, a follow-up to Dylan’s Law dealing with epilepsy-related insurance coverage and neurostimulator devices; and House Bill 4488, which would let the Insurance Commissioner appoint an impartial umpire when a body shop and insurer cannot agree on a loss value. House Bill 3646, a broad and still-developing insurance bill involving rate review, litigation, venue, AI use, and Attorney General involvement, generated substantial concern from members about workability, litigation, and agent exposure. Its author said it was not final, but the committee voted it down. Later, the committee passed House Bill 3048, a cleanup measure for surplus lines licensing laws; House Bill 3780, requiring an independent actuary review as a transparency measure; House Bill 3781, changing the timing from use-and-file to file-and-use with a 60-day review period while the author said he did not want rate approval; House Bill 3802, delaying rate adjustments after a spouse’s death until renewal; House Bill 3818, creating a home and auto savings account framework intended to help policyholders raise deductibles and lower premiums; and House Bill 2929, which limits how far back insurers may look at homeowners and auto claims for underwriting purposes. Most of these bills passed with little or no opposition after brief questioning.

Transcript Highlights:

• But unfortunately, the federal law does not cover life insurers, long-term care, or disability insurers
• She said, secure life insurance now before you get tested.
• She said, secure life insurance now before you get tested.
• I have pretty good insurance.
• Third, this bill does not undermine the insurance market.

Bills: H5112 , S2921 , H4914

Committee: Joint Joint Committee on Financial Services

Keywords: genetic discrimination, genetic testing, genetic information, DNA, hereditary risk, insurance underwriting, life insurance, health insurance, long-term care insurance, disability insurance, medical privacy, consumer protection, anti-discrimination, insurer regulation, Commissioner of Insurance, chapter 176D, underwriting, hereditary disease, genomics, travel insurance

Transcript Highlights:

• What I would say is, as insurance is generally a pass-through, meaning that the insurers are generally
• By the insurance representatives that I spoke with today.
• House Bill 4488 says that when a body shop and the insurance adjuster or the insurance company don't
• Attorneys that do a lot of insurance litigation.
• involved in insurance rates?

Bills: HB3048 , HB3259 , HB3646 , HB3696 , HB3780 , HB3781 , HB3802 , HB3818 , HB4294 , HB4488 , HB2929

Committee: House Insurance

Keywords: insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review

Transcript Highlights:

• And then if I made sure I have one other question on insurance.”
• Chair, I just asked one other question on licensing or insurance.
• the licensing, would the insurance companies be able to, Would the insurance companies be able to choose
• Currently, patients are facing steep emergency room co-pays for non-insured.
• Currently, patients are facing steep emergency room co-pays for non-insured. Years.

Bills: AB568 , SB90 , SB133 , SB147 , SB229 , SB233 , SB240 , SB245 , SB280 , SB378 , SB393 , SB417 , SB434 , SB494 , SB495

Committee: Assembly Ways and Means

Keywords: higher education, Nevada System of Higher Education, operational expenses, instructional expenses, public funding, education funding, teacher grants, classroom supplies, instructional support, specialized personnel, civics education, Nevada Center for Civic Engagement, funding, youth programs, civic involvement, Southern Nevada, Clark County, Las Vegas Valley, regional planning, economic resiliency

Transcript Highlights:

• deed fraud is when someone, through fraudulent means, fake documents, or committing fraud on a notary
• Under current law, resolving deed fraud can be a costly, complicated, and time-consuming matter.
• And so we wanted this to be a mechanism that addressed property fraud.
• We see this as a good mechanism so that we can further reduce and address property fraud.
• is another—they come up with it, they create another opportunity to continue the fraud.

Bills: SB302 , SB1335 , SB1734 , SB1760 , SB1975 , SB2127

Committee: Senate Jurisprudence

Keywords: probate court, statutory judge, reimbursement, court costs, court proceedings, judicial assignments, judge assignment, cost reimbursement, judicial expenses, estate management, statutory requirement, court expenses, estates, inheritance, representative duties, court authority, personal representative, real property, deed fraud, title fraud

Summary: The committee heard several probate, family law, judicial, property, and contract-related bills. Senate Bill 1335, relating to decedents’ estates, would remove outdated references to a clerk’s certificate, allow courts to remove personal representatives on their own motion with notice by qualified delivery method, and add independent administrators to provisions that referenced only independent executors; an estate-planning attorney testified in support, and the bill was left pending. Senate Bill 1760, concerning guardianship transfer fees and procedures, was described as setting a $45 filing fee for transferred guardianship cases and clarifying completion and dismissal procedures; it received no testimony and was left pending. Senate Bill 2127 would shorten the eligibility period for retired judges to serve as visiting judges from eight years to six, restrict practice in their assigned region for two years, and require conflict-related certification; it also was left pending without testimony. Senate Bill 302 would shift the cost of a traveling probate judge to the requesting estate or parties rather than the county; one witness registered in favor, no one testified, and the bill was left pending. The committee then considered a committee substitute for Senate Bill 252, which would clarify the parental presumption in conservatorship cases, require non-parents seeking relief against a parent to file an affidavit showing significant impairment to the child if relief is denied, require courts to state specific findings when overcoming the presumption, confirm the clear-and-convincing standard, and clarify that agreed prior orders do not defeat the presumption. The substitute was explained as consensus language from a work group, public testimony was reopened, and the bill was left pending. Senate Bill 1734, on deed fraud, would create a streamlined ex parte process for property owners to have fraudulent deeds declared void, modeled on the fraudulent lien statute; county clerk and title association representatives testified that it would provide a low-cost self-help remedy for a growing problem, and the bill was left pending subject to the chair. Senate Bill 1975 would prevent Texas contractors from being forced to litigate disputes in foreign jurisdictions and require disputes to be handled in the county where the project is located; it was presented as a repeat of a previously vetoed bill and was left pending. Finally, the committee took up a substitute for Senate Bill 1940, concerning transfer-on-death style beneficiary designations for manufactured homes. The substitute would allow one or more beneficiaries instead of only one, transfer the interest to surviving designated beneficiaries who survive by 120 hours, extend the application period for transfer to 365 days, void the designation if not timely filed, and require mailing by certified or registered mail with return receipt requested. The substitute was adopted without objection. The committee then recessed subject to the call of the chair.