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104TH GENERAL ASSEMBLY
State of Illinois
2025 and 2026
SB2880

Introduced 1/16/2026, by Sen. Meg Loughran Cappel

SYNOPSIS AS INTRODUCED:

5 ILCS 375/6.11
55 ILCS 5/5-1069.3
65 ILCS 5/10-4-2.3
105 ILCS 5/10-22.3f
215 ILCS 5/356z.88 new
215 ILCS 125/5-3

from Ch. 111 1/2, par. 1411.2
215 ILCS 130/4003

from Ch. 73, par. 1504-3
215 ILCS 165/10

from Ch. 32, par. 604
305 ILCS 5/5-16.8

Amends the Illinois Insurance Code. Requires a group or individual
policy of accident and health insurance or a managed care plan that is
amended, delivered, issued, or renewed on or after January 1, 2028 to
provide coverage for medically necessary assistive technology devices.
Amends the State Employees Group Insurance Act of 1971, the Counties Code,
the Illinois Municipal Code, the School Code, the Health Maintenance
Organization Act, the Limited Health Service Organization Act, the
Voluntary Health Services Plans Act, and the Illinois Public Aid Code to
require coverage under the provisions of those Acts.
LRB104 17577 BAB 31005 b

A BILL FOR

SB2880
LRB104 17577 BAB 31005 b
1

AN ACT concerning regulation.

2

Be it enacted by the People of the State of Illinois,
3
represented in the General Assembly:

4

Section 5.
The State Employees Group Insurance Act of 1971
5
is amended by changing Section 6.11 as follows:

6

(5 ILCS 375/6.11)
7

(Text of Section before amendment by P.A. 104-1
)
8

Sec. 6.11.
Required health benefits; Illinois Insurance
9
Code requirements.
The program of health benefits shall
10
provide the post-mastectomy care benefits required to be
11
covered by a policy of accident and health insurance under
12
Section 356t of the Illinois Insurance Code. The program of
13
health benefits shall provide the coverage required under
14
Sections 356g, 356g.5, 356g.5-1, 356m, 356q, 356u, 356u.10,
15
356w, 356x, 356z.2, 356z.4, 356z.4a, 356z.5, 356z.6, 356z.8,
16
356z.9, 356z.10, 356z.11, 356z.12, 356z.13, 356z.14, 356z.15,
17
356z.17, 356z.22, 356z.25, 356z.26, 356z.29, 356z.30, 356z.32,
18
356z.33, 356z.36, 356z.40, 356z.41, 356z.45, 356z.46, 356z.47,
19
356z.51, 356z.53, 356z.54, 356z.55, 356z.56, 356z.57, 356z.59,
20
356z.60, 356z.61, 356z.62, 356z.64, 356z.67, 356z.68, 356z.70,
21
356z.71, 356z.74, 356z.76,
and
356z.77,
and
356z.80
, 356z.81,
22
356z.82, 356z.83, 356z.84, 356z.85, and 356z.88
of the
23
Illinois Insurance Code. The program of health benefits must

SB2880
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LRB104 17577 BAB 31005 b
1
comply with Sections 155.22a, 155.37, 355b, 356z.19, 370c, and
2
370c.1 and Article XXXIIB of the Illinois Insurance Code. The
3
program of health benefits shall provide the coverage required
4
under Section 356m of the Illinois Insurance Code and, for the
5
employees of the State Employee Group Insurance Program only,
6
the coverage as also provided in Section 6.11B of this Act. The
7
Department of Insurance shall enforce the requirements of this
8
Section with respect to Sections 370c and 370c.1 and Article
9
XXXIIB of the Illinois Insurance Code; all other requirements
10
of this Section shall be enforced by the Department of Central
11
Management Services.
12

Rulemaking authority to implement Public Act 95-1045, if
13
any, is conditioned on the rules being adopted in accordance
14
with all provisions of the Illinois Administrative Procedure
15
Act and all rules and procedures of the Joint Committee on
16
Administrative Rules; any purported rule not so adopted, for
17
whatever reason, is unauthorized.
18
(Source: P.A. 103-8, eff. 1-1-24; 103-84, eff. 1-1-24; 103-91,
19
eff. 1-1-24; 103-420, eff. 1-1-24; 103-445, eff. 1-1-24;
20
103-535, eff. 8-11-23; 103-551, eff. 8-11-23; 103-605, eff.
21
7-1-24; 103-718, eff. 7-19-24; 103-751, eff. 8-2-24; 103-870,
22
eff. 1-1-25; 103-914, eff. 1-1-25; 103-918, eff. 1-1-25;
23
103-951, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-27, eff.
24
1-1-26, 104-42, eff. 8-1-25; 104-68, eff. 1-1-26; 104-73, eff.
25
1-1-26; 104-289, eff. 1-1-26; 104-324, eff. 1-1-26; 104-379,
26
eff. 1-1-26; 104-417, eff. 8-15-25; revised 11-19-25.)

SB2880
- 3 -
LRB104 17577 BAB 31005 b
1

(Text of Section after amendment by P.A. 104-1
)
2

Sec. 6.11.
Required health benefits; Illinois Insurance
3
Code requirements.
The program of health benefits shall
4
provide the post-mastectomy care benefits required to be
5
covered by a policy of accident and health insurance under
6
Section 356t of the Illinois Insurance Code. The program of
7
health benefits shall provide the coverage required under
8
Sections 356g, 356g.5, 356g.5-1, 356m, 356q, 356u, 356u.10,
9
356w, 356x, 356z.2, 356z.4, 356z.4a, 356z.5, 356z.6, 356z.8,
10
356z.9, 356z.10, 356z.11, 356z.12, 356z.13, 356z.14, 356z.15,
11
356z.17, 356z.22, 356z.25, 356z.26, 356z.29, 356z.30, 356z.32,
12
356z.33, 356z.36, 356z.40, 356z.41, 356z.45, 356z.46, 356z.47,
13
356z.51, 356z.53, 356z.54, 356z.55, 356z.56, 356z.57, 356z.59,
14
356z.60, 356z.61, 356z.62, 356z.64, 356z.67, 356z.68, 356z.70,
15
356z.71, 356z.74, 356z.76,
and
356z.77,
356z.79,

and
356z.80
,
16
356z.81, 356z.82, 356z.83, 356z.84, 356z.85, and 356z.88
of
17
the Illinois Insurance Code. The program of health benefits
18
must comply with Sections 155.22a, 155.37, 355b, 356z.19,
19
370c, and 370c.1 and Article XXXIIB of the Illinois Insurance
20
Code. The program of health benefits shall provide the
21
coverage required under Section 356m of the Illinois Insurance
22
Code and, for the employees of the State Employee Group
23
Insurance Program only, the coverage as also provided in
24
Section 6.11B of this Act. The Department of Insurance shall
25
enforce the requirements of this Section with respect to

SB2880
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LRB104 17577 BAB 31005 b
1
Sections 370c and 370c.1 and Article XXXIIB of the Illinois
2
Insurance Code; all other requirements of this Section shall
3
be enforced by the Department of Central Management Services.
4

Rulemaking authority to implement Public Act 95-1045, if
5
any, is conditioned on the rules being adopted in accordance
6
with all provisions of the Illinois Administrative Procedure
7
Act and all rules and procedures of the Joint Committee on
8
Administrative Rules; any purported rule not so adopted, for
9
whatever reason, is unauthorized.
10
(Source: P.A. 103-8, eff. 1-1-24; 103-84, eff. 1-1-24; 103-91,
11
eff. 1-1-24; 103-420, eff. 1-1-24; 103-445, eff. 1-1-24;
12
103-535, eff. 8-11-23; 103-551, eff. 8-11-23; 103-605, eff.
13
7-1-24; 103-718, eff. 7-19-24; 103-751, eff. 8-2-24; 103-870,
14
eff. 1-1-25; 103-914, eff. 1-1-25; 103-918, eff. 1-1-25;
15
103-951, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-1, eff.
16
7-1-27; 104-27, eff. 1-1-26, 104-42, eff. 8-1-25; 104-68, eff.
17
1-1-26; 104-73, eff. 1-1-26; 104-289, eff. 1-1-26; 104-324,
18
eff. 1-1-26; 104-379, eff. 1-1-26; 104-417, eff. 8-15-25;
19
revised 11-19-25.)

20

Section 10.
The Counties Code is amended by changing
21
Section 5-1069.3 as follows:

22

(55 ILCS 5/5-1069.3)
23

(Text of Section before amendment by P.A. 104-446
)
24

Sec. 5-1069.3.
Required health benefits.
If a county,

SB2880
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LRB104 17577 BAB 31005 b
1
including a home rule county, is a self-insurer for purposes
2
of providing health insurance coverage for its employees, the
3
coverage shall include coverage for the post-mastectomy care
4
benefits required to be covered by a policy of accident and
5
health insurance under Section 356t and the coverage required
6
under Sections 356g, 356g.5, 356g.5-1, 356m, 356q, 356u,
7
356u.10, 356w, 356x, 356z.4, 356z.4a, 356z.6, 356z.8, 356z.9,
8
356z.10, 356z.11, 356z.12, 356z.13, 356z.14, 356z.15, 356z.22,
9
356z.25, 356z.26, 356z.29, 356z.30, 356z.32, 356z.33, 356z.36,
10
356z.40, 356z.41, 356z.45, 356z.46, 356z.47, 356z.48, 356z.51,
11
356z.53, 356z.54, 356z.56, 356z.57, 356z.59, 356z.60, 356z.61,
12
356z.62, 356z.64, 356z.67, 356z.68, 356z.70, 356z.71, 356z.74,
13
and
356z.77,
356z.79,

and
356z.80
, 356z.81, 356z.82, 356z.83,
14
356z.84, 356z.85, and 356z.88
of the Illinois Insurance Code.
15
The coverage shall comply with Sections 155.22a, 355b,
16
356z.19, and 370c of the Illinois Insurance Code. The
17
Department of Insurance shall enforce the requirements of this
18
Section. The requirement that health benefits be covered as
19
provided in this Section is an exclusive power and function of
20
the State and is a denial and limitation under Article VII,
21
Section 6, subsection (h) of the Illinois Constitution. A home
22
rule county to which this Section applies must comply with
23
every provision of this Section.
24

Rulemaking authority to implement Public Act 95-1045, if
25
any, is conditioned on the rules being adopted in accordance
26
with all provisions of the Illinois Administrative Procedure

SB2880
- 6 -
LRB104 17577 BAB 31005 b
1
Act and all rules and procedures of the Joint Committee on
2
Administrative Rules; any purported rule not so adopted, for
3
whatever reason, is unauthorized.
4
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
5
103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 103-535, eff.
6
8-11-23; 103-551, eff. 8-11-23; 103-605, eff. 7-1-24; 103-718,
7
eff. 7-19-24; 103-751, eff. 8-2-24; 103-914, eff. 1-1-25;
8
103-918, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-1, eff.
9
6-9-25; 104-42, eff. 8-1-25; 104-68, eff. 1-1-26; 104-73, eff.
10
1-1-26; 104-289, eff. 1-1-26; 104-324, eff. 1-1-26; 104-379,
11
eff. 1-1-26; 104-417, eff. 8-15-25; revised 1-7-26.)

12

(Text of Section after amendment by P.A. 104-446
)
13

Sec. 5-1069.3.
Required health benefits.
If a county,
14
including a home rule county, is a self-insurer for purposes
15
of providing health insurance coverage for its employees, the
16
coverage shall include coverage for the post-mastectomy care
17
benefits required to be covered by a policy of accident and
18
health insurance under Section 356t and the coverage required
19
under Sections 356g, 356g.5, 356g.5-1, 356m, 356q, 356u,
20
356u.10, 356w, 356x, 356z.4, 356z.4a, 356z.6, 356z.8, 356z.9,
21
356z.10, 356z.11, 356z.12, 356z.13, 356z.14, 356z.15, 356z.22,
22
356z.25, 356z.26, 356z.29, 356z.30, 356z.32, 356z.33, 356z.36,
23
356z.40, 356z.41, 356z.45, 356z.46, 356z.47, 356z.48, 356z.51,
24
356z.53, 356z.54, 356z.56, 356z.57, 356z.59, 356z.60, 356z.61,
25
356z.62, 356z.64, 356z.67, 356z.68, 356z.70, 356z.71, 356z.74,

SB2880
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LRB104 17577 BAB 31005 b
1
and
356z.77,
356z.79,

and
356z.80
, 356z.81, 356z.82, 356z.83,
2
356z.84, 356z.85, and 356z.88
of the Illinois Insurance Code.
3
The coverage shall comply with Sections 155.22a, 355b,
4
356z.19, 370c, and 370c.4 of the Illinois Insurance Code. The
5
Department of Insurance shall enforce the requirements of this
6
Section. The requirement that health benefits be covered as
7
provided in this Section is an exclusive power and function of
8
the State and is a denial and limitation under Article VII,
9
Section 6, subsection (h) of the Illinois Constitution. A home
10
rule county to which this Section applies must comply with
11
every provision of this Section.
12

Rulemaking authority to implement Public Act 95-1045, if
13
any, is conditioned on the rules being adopted in accordance
14
with all provisions of the Illinois Administrative Procedure
15
Act and all rules and procedures of the Joint Committee on
16
Administrative Rules; any purported rule not so adopted, for
17
whatever reason, is unauthorized.
18
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
19
103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 103-535, eff.
20
8-11-23; 103-551, eff. 8-11-23; 103-605, eff. 7-1-24; 103-718,
21
eff. 7-19-24; 103-751, eff. 8-2-24; 103-914, eff. 1-1-25;
22
103-918, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-1, eff.
23
6-9-25; 104-42, eff. 8-1-25; 104-68, eff. 1-1-26; 104-73, eff.
24
1-1-26; 104-289, eff. 1-1-26; 104-324, eff. 1-1-26; 104-379,
25
eff. 1-1-26; 104-417, eff. 8-15-25; 104-446, eff. 6-1-26;
26
revised 1-7-26.)

SB2880
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LRB104 17577 BAB 31005 b
1

Section 15.
The Illinois Municipal Code is amended by
2
changing Section 10-4-2.3 as follows:

3

(65 ILCS 5/10-4-2.3)
4

(Text of Section before amendment by P.A. 104-446
)
5

Sec. 10-4-2.3.
Required health benefits.
If a
6
municipality, including a home rule municipality, is a
7
self-insurer for purposes of providing health insurance
8
coverage for its employees, the coverage shall include
9
coverage for the post-mastectomy care benefits required to be
10
covered by a policy of accident and health insurance under
11
Section 356t and the coverage required under Sections 356g,
12
356g.5, 356g.5-1, 356m, 356q, 356u, 356u.10, 356w, 356x,
13
356z.4, 356z.4a, 356z.6, 356z.8, 356z.9, 356z.10, 356z.11,
14
356z.12, 356z.13, 356z.14, 356z.15, 356z.22, 356z.25, 356z.26,
15
356z.29, 356z.30, 356z.32, 356z.33, 356z.36, 356z.40, 356z.41,
16
356z.45, 356z.46, 356z.47, 356z.48, 356z.51, 356z.53, 356z.54,
17
356z.56, 356z.57, 356z.59, 356z.60, 356z.61, 356z.62, 356z.64,
18
356z.67, 356z.68, 356z.70, 356z.71, 356z.74,
and
356z.77,
19
356z.79,

and
356z.80
, 356z.81, 356z.82, 356z.83, 356z.84,
20
356z.85, and 356z.88
of the Illinois Insurance Code. The
21
coverage shall comply with Sections 155.22a, 355b, 356z.19,
22
and 370c of the Illinois Insurance Code. The Department of
23
Insurance shall enforce the requirements of this Section. The
24
requirement that health benefits be covered as provided in

SB2880
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LRB104 17577 BAB 31005 b
1
this
Section
is an exclusive power and function of the State
2
and is a denial and limitation under Article VII, Section 6,
3
subsection (h) of the Illinois Constitution. A home rule
4
municipality to which this Section applies must comply with
5
every provision of this Section.
6

Rulemaking authority to implement Public Act 95-1045, if
7
any, is conditioned on the rules being adopted in accordance
8
with all provisions of the Illinois Administrative Procedure
9
Act and all rules and procedures of the Joint Committee on
10
Administrative Rules; any purported rule not so adopted, for
11
whatever reason, is unauthorized.
12
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
13
103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 103-535, eff.
14
8-11-23; 103-551, eff. 8-11-23; 103-605, eff. 7-1-24; 103-718,
15
eff. 7-19-24; 103-751, eff. 8-2-24; 103-914, eff. 1-1-25;
16
103-918, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-1, eff.
17
6-9-25; 104-42, eff. 8-1-25; 104-68, eff. 1-1-26; 104-73, eff.
18
1-1-26; 104-289, eff. 1-1-26; 104-324, eff. 1-1-26; 104-379,
19
eff. 1-1-26; 104-417, eff. 8-15-25; revised 1-8-26.)

20

(Text of Section after amendment by P.A. 104-446
)
21

Sec. 10-4-2.3.
Required health benefits.
If a
22
municipality, including a home rule municipality, is a
23
self-insurer for purposes of providing health insurance
24
coverage for its employees, the coverage shall include
25
coverage for the post-mastectomy care benefits required to be

SB2880
- 10 -
LRB104 17577 BAB 31005 b
1
covered by a policy of accident and health insurance under
2
Section 356t and the coverage required under Sections 356g,
3
356g.5, 356g.5-1, 356m, 356q, 356u, 356u.10, 356w, 356x,
4
356z.4, 356z.4a, 356z.6, 356z.8, 356z.9, 356z.10, 356z.11,
5
356z.12, 356z.13, 356z.14, 356z.15, 356z.22, 356z.25, 356z.26,
6
356z.29, 356z.30, 356z.32, 356z.33, 356z.36, 356z.40, 356z.41,
7
356z.45, 356z.46, 356z.47, 356z.48, 356z.51, 356z.53, 356z.54,
8
356z.56, 356z.57, 356z.59, 356z.60, 356z.61, 356z.62, 356z.64,
9
356z.67, 356z.68, 356z.70, 356z.71, 356z.74,
and
356z.77,
10
356z.79,

and
356z.80
, 356z.81, 356z.82, 356z.83, 356z.84,
11
356z.85, and 356z.88
of the Illinois Insurance Code. The
12
coverage shall comply with Sections 155.22a, 355b, 356z.19,
13
370c, and 370c.4 of the Illinois Insurance Code. The
14
Department of Insurance shall enforce the requirements of this
15
Section. The requirement that health benefits be covered as
16
provided in this
Section
is an exclusive power and function of
17
the State and is a denial and limitation under Article VII,
18
Section 6, subsection (h) of the Illinois Constitution. A home
19
rule municipality to which this Section applies must comply
20
with every provision of this Section.
21

Rulemaking authority to implement Public Act 95-1045, if
22
any, is conditioned on the rules being adopted in accordance
23
with all provisions of the Illinois Administrative Procedure
24
Act and all rules and procedures of the Joint Committee on
25
Administrative Rules; any purported rule not so adopted, for
26
whatever reason, is unauthorized.

SB2880
- 11 -
LRB104 17577 BAB 31005 b
1
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
2
103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 103-535, eff.
3
8-11-23; 103-551, eff. 8-11-23; 103-605, eff. 7-1-24; 103-718,
4
eff. 7-19-24; 103-751, eff. 8-2-24; 103-914, eff. 1-1-25;
5
103-918, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-1, eff.
6
6-9-25; 104-42, eff. 8-1-25; 104-68, eff. 1-1-26; 104-73, eff.
7
1-1-26; 104-289, eff. 1-1-26; 104-324, eff. 1-1-26; 104-379,
8
eff. 1-1-26; 104-417, eff. 8-15-25; 104-446, eff. 6-1-26;
9
revised 1-8-26.)

10

Section 20.
The School Code is amended by changing Section
11
10-22.3f as follows:

12

(105 ILCS 5/10-22.3f)
13

(Text of Section before amendment by P.A. 104-446
)
14

Sec. 10-22.3f.
Required health benefits.
Insurance
15
protection and benefits for employees shall provide the
16
post-mastectomy care benefits required to be covered by a
17
policy of accident and health insurance under Section 356t and
18
the coverage required under Sections 356g, 356g.5, 356g.5-1,
19
356m, 356q, 356u, 356u.10, 356w, 356x, 356z.4, 356z.4a,
20
356z.6, 356z.8, 356z.9, 356z.11, 356z.12, 356z.13, 356z.14,
21
356z.15, 356z.22, 356z.25, 356z.26, 356z.29, 356z.30, 356z.32,
22
356z.33, 356z.36, 356z.40, 356z.41, 356z.45, 356z.46, 356z.47,
23
356z.51, 356z.53, 356z.54, 356z.56, 356z.57, 356z.59, 356z.60,
24
356z.61, 356z.62, 356z.64, 356z.67, 356z.68, 356z.70, 356z.71,

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1
356z.74,
and
356z.77,
356z.79,

and
356z.80
, 356z.81, 356z.82,
2
356z.83, 356z.84, 356z.85, and 356z.88
of the Illinois
3
Insurance Code. Insurance policies shall comply with Section
4
356z.19 of the Illinois Insurance Code. The coverage shall
5
comply with Sections 155.22a, 355b, and 370c and Article
6
XXXIIB of the Illinois Insurance Code. The Department of
7
Insurance shall enforce the requirements of this Section.
8

Rulemaking authority to implement Public Act 95-1045, if
9
any, is conditioned on the rules being adopted in accordance
10
with all provisions of the Illinois Administrative Procedure
11
Act and all rules and procedures of the Joint Committee on
12
Administrative Rules; any purported rule not so adopted, for
13
whatever reason, is unauthorized.
14
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
15
103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 103-535, eff.
16
8-11-23; 103-551, eff. 8-11-23; 103-605, eff. 7-1-24; 103-718,
17
eff. 7-19-24; 103-751, eff. 8-2-24; 103-914, eff. 1-1-25;
18
103-918, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-1, eff.
19
6-9-25; 104-27, eff. 1-1-26; 104-42, eff. 8-1-25; 104-68, eff.
20
1-1-26; 104-73, eff. 1-1-26; 104-289, eff. 1-1-26; 104-324,
21
eff. 1-1-26; 104-379, eff. 1-1-26; 104-417, eff. 8-15-25;
22
revised 1-8-26.)

23

(Text of Section after amendment by P.A. 104-446
)
24

Sec. 10-22.3f.
Required health benefits.
Insurance
25
protection and benefits for employees shall provide the

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1
post-mastectomy care benefits required to be covered by a
2
policy of accident and health insurance under Section 356t and
3
the coverage required under Sections 356g, 356g.5, 356g.5-1,
4
356m, 356q, 356u, 356u.10, 356w, 356x, 356z.4, 356z.4a,
5
356z.6, 356z.8, 356z.9, 356z.11, 356z.12, 356z.13, 356z.14,
6
356z.15, 356z.22, 356z.25, 356z.26, 356z.29, 356z.30, 356z.32,
7
356z.33, 356z.36, 356z.40, 356z.41, 356z.45, 356z.46, 356z.47,
8
356z.51, 356z.53, 356z.54, 356z.56, 356z.57, 356z.59, 356z.60,
9
356z.61, 356z.62, 356z.64, 356z.67, 356z.68, 356z.70, 356z.71,
10
356z.74,
and
356z.77,
356z.79,

and
356z.80
, 356z.81, 356z.82,
11
356z.83, 356z.84, 356z.85, and 356z.88
of the Illinois
12
Insurance Code. Insurance policies shall comply with Section
13
356z.19 of the Illinois Insurance Code. The coverage shall
14
comply with Sections 155.22a, 355b, 370c, and 370c.4 and
15
Article XXXIIB of the Illinois Insurance Code. The Department
16
of Insurance shall enforce the requirements of this Section.
17

Rulemaking authority to implement Public Act 95-1045, if
18
any, is conditioned on the rules being adopted in accordance
19
with all provisions of the Illinois Administrative Procedure
20
Act and all rules and procedures of the Joint Committee on
21
Administrative Rules; any purported rule not so adopted, for
22
whatever reason, is unauthorized.
23
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
24
103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 103-535, eff.
25
8-11-23; 103-551, eff. 8-11-23; 103-605, eff. 7-1-24; 103-718,
26
eff. 7-19-24; 103-751, eff. 8-2-24; 103-914, eff. 1-1-25;

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1
103-918, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-1, eff.
2
6-9-25; 104-27, eff. 1-1-26; 104-42, eff. 8-1-25; 104-68, eff.
3
1-1-26; 104-73, eff. 1-1-26; 104-289, eff. 1-1-26; 104-324,
4
eff. 1-1-26; 104-379, eff. 1-1-26; 104-417, eff. 8-15-25;
5
104-446, eff. 6-1-26; revised 1-8-26.)

6

Section 25.
The Illinois Insurance Code is amended by
7
adding Section 356z.88 as follows:

8

(215 ILCS 5/356z.88 new)
9

Sec. 356z.88.
Coverage for assistive technology devices.

10

(a) In this Section, "assistive technology device" means
11
any item, piece of equipment, or product system, whether
12
acquired commercially, modified, or customized, that is
13
purchased or leased, or whose transfer is accepted in this
14
State, and that is used to increase, maintain, or improve
15
functional capabilities of individuals with disabilities.
16
"Assistive technology device" does not include any medical
17
device, surgical device, or organ implanted or transplanted
18
into or attached directly to an individual, or a hearing
19
instrument or hearing aid as defined in the Hearing Instrument
20
Consumer Protection Act.
21

(b) A group or individual policy of accident and health
22
insurance or a managed care plan that is amended, delivered,
23
issued, or renewed on or after January 1, 2028 shall provide
24
coverage for medically necessary assistive technology devices.

SB2880
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LRB104 17577 BAB 31005 b
1

Section 30.
The Health Maintenance Organization Act is
2
amended by changing Section 5-3 as follows:

3

(215 ILCS 125/5-3)

(from Ch. 111 1/2, par. 1411.2)
4

Sec. 5-3.
Illinois Insurance Code provisions.
5

(a) Health Maintenance Organizations shall be subject to
6
the provisions of Sections 133, 134, 136, 137, 139, 140,
7
141.1, 141.2, 141.3, 143, 143.31, 143c, 147, 148, 149, 151,
8
152, 153, 154, 154.5, 154.6, 154.7, 154.8, 155.04, 155.22a,
9
155.49, 352c, 355.2, 355.3, 355.6, 355.7, 355b, 355c, 356f,
10
356g, 356g.5-1, 356m, 356q, 356u.10, 356v, 356w, 356x, 356z.2,
11
356z.3a, 356z.4, 356z.4a, 356z.5, 356z.6, 356z.8, 356z.9,
12
356z.10, 356z.11, 356z.12, 356z.13, 356z.14, 356z.15, 356z.17,
13
356z.18, 356z.19, 356z.20, 356z.21, 356z.22, 356z.23, 356z.24,
14
356z.25, 356z.26, 356z.28, 356z.29, 356z.30, 356z.31, 356z.32,
15
356z.33, 356z.34, 356z.35, 356z.36, 356z.37, 356z.38, 356z.39,
16
356z.40, 356z.40a, 356z.41, 356z.44, 356z.45, 356z.46,
17
356z.47, 356z.48, 356z.49, 356z.50, 356z.51, 356z.53, 356z.54,
18
356z.55, 356z.56, 356z.57, 356z.58, 356z.59, 356z.60, 356z.61,
19
356z.62, 356z.63, 356z.64, 356z.65, 356z.66, 356z.67, 356z.68,
20
356z.69, 356z.70, 356z.71, 356z.72, 356z.73, 356z.74, 356z.75,
21
356z.76, 356z.77, 356z.78,
356z.79,
356z.80,
356z.81, 356z.82,
22
356z.83, 356z.84, 356z.85, 356z.88,
364, 364.01, 364.3, 367.2,
23
367.2-5, 367i, 368a, 368b, 368c, 368d, 368e, 370a, 370c,
24
370c.1, 401, 401.1, 402, 403, 403A, 408, 408.2, 409, 412, 444,

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LRB104 17577 BAB 31005 b
1
and 444.1, paragraph (c) of subsection (2) of Section 367, and
2
Articles IIA, VIII 1/2, XII, XII 1/2, XIII, XIII 1/2, XXV,
3
XXVI, and XXXIIB of the Illinois Insurance Code.
4

(b) For purposes of the Illinois Insurance Code, except
5
for Sections 444 and 444.1 and Articles XIII and XIII 1/2,
6
Health Maintenance Organizations in the following categories
7
are deemed to be "domestic companies":
8

(1) a corporation authorized under the Dental Service
9

Plan Act or the Voluntary Health Services Plans Act;
10

(2) a corporation organized under the laws of this
11

State; or
12

(3) a corporation organized under the laws of another
13

state, 30% or more of the enrollees of which are residents
14

of this State, except a corporation subject to
15

substantially the same requirements in its state of
16

organization as is a "domestic company" under Article VIII
17

1/2 of the Illinois Insurance Code.
18

(c) In considering the merger, consolidation, or other
19
acquisition of control of a Health Maintenance Organization
20
pursuant to Article VIII 1/2 of the Illinois Insurance Code,
21

(1) the Director shall give primary consideration to
22

the continuation of benefits to enrollees and the
23

financial conditions of the acquired Health Maintenance
24

Organization after the merger, consolidation, or other
25

acquisition of control takes effect;
26

(2)(i) the criteria specified in subsection (1)(b) of

SB2880
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1

Section 131.8 of the Illinois Insurance Code shall not
2

apply and (ii) the Director, in making his determination
3

with respect to the merger, consolidation, or other
4

acquisition of control, need not take into account the
5

effect on competition of the merger, consolidation, or
6

other acquisition of control;
7

(3) the Director shall have the power to require the
8

following information:
9

(A) certification by an independent actuary of the
10

adequacy of the reserves of the Health Maintenance
11

Organization sought to be acquired;
12

(B) pro forma financial statements reflecting the
13

combined balance sheets of the acquiring company and
14

the Health Maintenance Organization sought to be
15

acquired as of the end of the preceding year and as of
16

a date 90 days prior to the acquisition, as well as pro
17

forma financial statements reflecting projected
18

combined operation for a period of 2 years;
19

(C) a pro forma business plan detailing an
20

acquiring party's plans with respect to the operation
21

of the Health Maintenance Organization sought to be
22

acquired for a period of not less than 3 years; and
23

(D) such other information as the Director shall
24

require.
25

(d) The provisions of Article VIII 1/2 of the Illinois
26
Insurance Code and this Section 5-3 shall apply to the sale by

SB2880
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LRB104 17577 BAB 31005 b
1
any health maintenance organization of greater than 10% of its
2
enrollee population (including, without limitation, the health
3
maintenance organization's right, title, and interest in and
4
to its health care certificates).
5

(e) In considering any management contract or service
6
agreement subject to Section 141.1 of the Illinois Insurance
7
Code, the Director (i) shall, in addition to the criteria
8
specified in Section 141.2 of the Illinois Insurance Code,
9
take into account the effect of the management contract or
10
service agreement on the continuation of benefits to enrollees
11
and the financial condition of the health maintenance
12
organization to be managed or serviced, and (ii) need not take
13
into account the effect of the management contract or service
14
agreement on competition.
15

(f) Except for small employer groups as defined in the
16
Small Employer Rating, Renewability and Portability Health
17
Insurance Act and except for medicare supplement policies as
18
defined in Section 363 of the Illinois Insurance Code, a
19
Health Maintenance Organization may by contract agree with a
20
group or other enrollment unit to effect refunds or charge
21
additional premiums under the following terms and conditions:
22

(i) the amount of, and other terms and conditions with
23

respect to, the refund or additional premium are set forth
24

in the group or enrollment unit contract agreed in advance
25

of the period for which a refund is to be paid or
26

additional premium is to be charged (which period shall

SB2880
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LRB104 17577 BAB 31005 b
1

not be less than one year); and
2

(ii) the amount of the refund or additional premium
3

shall not exceed 20% of the Health Maintenance
4

Organization's profitable or unprofitable experience with
5

respect to the group or other enrollment unit for the
6

period (and, for purposes of a refund or additional
7

premium, the profitable or unprofitable experience shall
8

be calculated taking into account a pro rata share of the
9

Health Maintenance Organization's administrative and
10

marketing expenses, but shall not include any refund to be
11

made or additional premium to be paid pursuant to this
12

subsection (f)). The Health Maintenance Organization and
13

the group or enrollment unit may agree that the profitable
14

or unprofitable experience may be calculated taking into
15

account the refund period and the immediately preceding 2
16

plan years.
17

The Health Maintenance Organization shall include a
18
statement in the evidence of coverage issued to each enrollee
19
describing the possibility of a refund or additional premium,
20
and upon request of any group or enrollment unit, provide to
21
the group or enrollment unit a description of the method used
22
to calculate (1) the Health Maintenance Organization's
23
profitable experience with respect to the group or enrollment
24
unit and the resulting refund to the group or enrollment unit
25
or (2) the Health Maintenance Organization's unprofitable
26
experience with respect to the group or enrollment unit and

SB2880
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LRB104 17577 BAB 31005 b
1
the resulting additional premium to be paid by the group or
2
enrollment unit.
3

In no event shall the Illinois Health Maintenance
4
Organization Guaranty Association be liable to pay any
5
contractual obligation of an insolvent organization to pay any
6
refund authorized under this Section.
7

(g) Rulemaking authority to implement Public Act 95-1045,
8
if any, is conditioned on the rules being adopted in
9
accordance with all provisions of the Illinois Administrative
10
Procedure Act and all rules and procedures of the Joint
11
Committee on Administrative Rules; any purported rule not so
12
adopted, for whatever reason, is unauthorized.
13
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
14
103-123, eff. 1-1-24; 103-154, eff. 6-30-23; 103-420, eff.
15
1-1-24; 103-426, eff. 8-4-23; 103-445, eff. 1-1-24; 103-551,
16
eff. 8-11-23; 103-605, eff. 7-1-24; 103-618, eff. 1-1-25;
17
103-649, eff. 1-1-25; 103-656, eff. 1-1-25; 103-700, eff.
18
1-1-25; 103-718, eff. 7-19-24; 103-751, eff. 8-2-24; 103-753,
19
eff. 8-2-24; 103-758, eff. 1-1-25; 103-777, eff. 8-2-24;
20
103-808, eff. 1-1-26; 103-914, eff. 1-1-25; 103-918, eff.
21
1-1-25; 103-1024, eff. 1-1-25; 104-1, eff. 6-9-25; 104-28,
22
eff. 1-1-26; 104-42, eff. 8-1-25; 104-68, eff. 1-1-26; 104-73,
23
eff. 1-1-26; 104-98, eff. 1-1-26; 104-289, eff. 1-1-26;
24
104-324, eff. 1-1-26; 104-334, eff. 8-15-25; 104-379, eff.
25
1-1-26; 104-417, eff. 8-15-25; revised 11-21-25.)

SB2880
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LRB104 17577 BAB 31005 b
1

Section 35.
The Limited Health Service Organization Act is
2
amended by changing Section 4003 as follows:

3

(215 ILCS 130/4003)

(from Ch. 73, par. 1504-3)
4

Sec. 4003.
Illinois Insurance Code provisions.
Limited
5
health service organizations shall be subject to the
6
provisions of Sections 133, 134, 136, 137, 139, 140, 141.1,
7
141.2, 141.3, 143, 143.31, 143c, 147, 148, 149, 151, 152, 153,
8
154, 154.5, 154.6, 154.7, 154.8, 155.04, 155.37, 155.49, 352c,
9
355.2, 355.3, 355b, 355d, 356m, 356q, 356v, 356z.4, 356z.4a,
10
356z.10, 356z.21, 356z.22, 356z.25, 356z.26, 356z.29, 356z.32,
11
356z.33, 356z.41, 356z.46, 356z.47, 356z.51, 356z.53, 356z.54,
12
356z.57, 356z.59, 356z.61, 356z.64, 356z.67, 356z.68, 356z.71,
13
356z.73, 356z.74, 356z.75, 356z.79, 356z.80,
356z.81, 356z.83,
14
356z.84, 356z.85, 356z.88,
364.3, 368a, 370a, 401, 401.1, 402,
15
403, 403A, 408, 408.2, 409, 412, 444, and 444.1 and Articles
16
IIA, VIII 1/2, XII, XII 1/2, XIII, XIII 1/2, XXV, XXVI, and
17
XXXIIB of the Illinois Insurance Code. Nothing in this Section
18
shall require a limited health care plan to cover any service
19
that is not a limited health service. For purposes of the
20
Illinois Insurance Code, except for Sections 444 and 444.1 and
21
Articles XIII and XIII 1/2, limited health service
22
organizations in the following categories are deemed to be
23
domestic companies:
24

(1) a corporation under the laws of this State; or
25

(2) a corporation organized under the laws of another

SB2880
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LRB104 17577 BAB 31005 b
1

state, 30% or more of the enrollees of which are residents
2

of this State, except a corporation subject to
3

substantially the same requirements in its state of
4

organization as is a domestic company under Article VIII
5

1/2 of the Illinois Insurance Code.
6
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
7
103-420, eff. 1-1-24; 103-426, eff. 8-4-23; 103-445, eff.
8
1-1-24; 103-605, eff. 7-1-24; 103-649, eff. 1-1-25; 103-656,
9
eff. 1-1-25; 103-700, eff. 1-1-25; 103-718, eff. 7-19-24;
10
103-751, eff. 8-2-24; 103-758, eff. 1-1-25; 103-832, eff.
11
1-1-25; 103-1024, eff. 1-1-25; 104-1, eff. 6-9-25; 104-42,
12
eff. 8-1-25; 104-73, eff. 1-1-26; 104-98, eff. 1-1-26;
13
104-289, eff. 1-1-26; 104-324, eff. 1-1-26; 104-334, eff.
14
8-15-25; 104-379, eff. 1-1-26; 104-417, eff. 8-15-25; revised
15
11-21-25.)

16

Section 40.
The Voluntary Health Services Plans Act is
17
amended by changing Section 10 as follows:

18

(215 ILCS 165/10)

(from Ch. 32, par. 604)
19

Sec. 10.
Application of Illinois Insurance Code
20
provisions.
Health services plan corporations and all persons
21
interested therein or dealing therewith shall be subject to
22
the provisions of Articles IIA and XII 1/2 and Sections 3.1,
23
133, 136, 139, 140, 143, 143.31, 143c, 149, 155.22a, 155.37,
24
354, 355.2, 355.3, 355.7, 355b, 355d, 356g, 356g.5, 356g.5-1,

SB2880
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LRB104 17577 BAB 31005 b
1
356m, 356q, 356r, 356t, 356u, 356u.10, 356v, 356w, 356x, 356y,
2
356z.1, 356z.2, 356z.3a, 356z.4, 356z.4a, 356z.5, 356z.6,
3
356z.8, 356z.9, 356z.10, 356z.11, 356z.12, 356z.13, 356z.14,
4
356z.15, 356z.18, 356z.19, 356z.21, 356z.22, 356z.25, 356z.26,
5
356z.29, 356z.30, 356z.32, 356z.32a, 356z.33, 356z.40,
6
356z.41, 356z.46, 356z.47, 356z.51, 356z.53, 356z.54, 356z.56,
7
356z.57, 356z.59, 356z.60, 356z.61, 356z.62, 356z.64, 356z.67,
8
356z.68, 356z.71, 356z.72, 356z.74, 356z.75, 356z.77,
356z.79,

9
356z.80,
356z.81, 356z.83, 356z.84, 356z.85, 356z.88,
364.01,
10
364.3, 367.2, 368a, 370a, 401, 401.1, 402, 403, 403A, 408,
11
408.2, and 412, and paragraphs (7) and (15) of Section 367 of
12
the Illinois Insurance Code.
13

Rulemaking authority to implement Public Act 95-1045, if
14
any, is conditioned on the rules being adopted in accordance
15
with all provisions of the Illinois Administrative Procedure
16
Act and all rules and procedures of the Joint Committee on
17
Administrative Rules; any purported rule not so adopted, for
18
whatever reason, is unauthorized.
19
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
20
103-420, eff. 1-1-24; 103-445, eff. 1-1-24; 103-551, eff.
21
8-11-23; 103-605, eff. 7-1-24; 103-656, eff. 1-1-25; 103-718,
22
eff. 7-19-24; 103-751, eff. 8-2-24; 103-753, eff. 8-2-24;
23
103-758, eff. 1-1-25; 103-832, eff. 1-1-25; 103-914, eff.
24
1-1-25; 103-918, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-1,
25
eff. 6-9-25; 104-28, eff. 1-1-26; 104-42, eff. 8-1-25; 104-73,
26
eff. 1-1-26; 104-98, eff. 1-1-26; 104-289, eff. 1-1-26;

SB2880
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1
104-324, eff. 1-1-26; 104-379, eff. 1-1-26; 104-417, eff.
2
8-15-25; revised 11-21-25.)

3

Section 45.
The Illinois Public Aid Code is amended by
4
changing Section 5-16.8 as follows:

5

(305 ILCS 5/5-16.8)
6

Sec. 5-16.8.
Required health benefits.
The medical
7
assistance program shall (i) provide the post-mastectomy care
8
benefits required to be covered by a policy of accident and
9
health insurance under Section 356t and the coverage required
10
under Sections 356g.5, 356q, 356u, 356w, 356x, 356z.6,
11
356z.26, 356z.29, 356z.32, 356z.33, 356z.34, 356z.35, 356z.46,
12
356z.47, 356z.51, 356z.53, 356z.59, 356z.60, 356z.61, 356z.64,
13
356z.67, 356z.71,
and
356z.75,
and
356z.80
, 356z.84, 356z.85,
14
and 356z.88
of the Illinois Insurance Code, (ii) be subject to
15
the provisions of Sections 356z.19, 356z.44, 356z.49, 364.01,
16
370c, and 370c.1 of the Illinois Insurance Code, and (iii) be
17
subject to the provisions of subsection (d-5) of Section 10 of
18
the Network Adequacy and Transparency Act.
19

The Department, by rule, shall adopt a model similar to
20
the requirements of Section 356z.39 of the Illinois Insurance
21
Code.
22

On and after July 1, 2012, the Department shall reduce any
23
rate of reimbursement for services or other payments or alter
24
any methodologies authorized by this Code to reduce any rate

SB2880
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LRB104 17577 BAB 31005 b
1
of reimbursement for services or other payments in accordance
2
with Section 5-5e.
3

To ensure full access to the benefits set forth in this
4
Section, on and after January 1, 2016, the Department shall
5
ensure that provider and hospital reimbursement for
6
post-mastectomy care benefits required under this Section are
7
no lower than the Medicare reimbursement rate.
8
(Source: P.A. 103-84, eff. 1-1-24; 103-91, eff. 1-1-24;
9
103-420, eff. 1-1-24; 103-605, eff. 7-1-24; 103-703, eff.
10
1-1-25; 103-758, eff. 1-1-25; 103-1024, eff. 1-1-25; 104-73,
11
eff. 1-1-26; 104-324, eff. 1-1-26; 104-379, eff. 1-1-26;
12
104-417, eff. 8-15-25; revised 11-21-25.)

13

Section 95.
No acceleration or delay.
Where this Act makes
14
changes in a statute that is represented in this Act by text
15
that is not yet or no longer in effect (for example, a Section
16
represented by multiple versions), the use of that text does
17
not accelerate or delay the taking effect of (i) the changes
18
made by this Act or (ii) provisions derived from any other
19
Public Act.

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