A BILL FOR AN ACT to amend the Indiana Code concerning insurance.

Plain English Breakdown

The bill summary and digest do not provide details on enforcement or penalties for non-compliance.

Health Insurance Provider Directory Law

This bill requires insurance companies to provide policyholders and people seeking coverage with a directory of all in-network healthcare providers.

What This Bill Does

• Requires insurance companies to give a directory of in-network providers when issuing or renewing policies.
• Specifies that the directory must include every provider who has a reimbursement agreement with the insurer.
• Health maintenance organizations (HMOs) must provide a list including all providers offering services through them.

Who It Names or Affects

• Insurance companies
• Policyholders and people looking for insurance coverage

Terms To Know

Reimbursement agreement

An arrangement between an insurer and a healthcare provider where the insurer pays the provider for services given to policyholders.

Health maintenance organization (HMO)

A type of health insurance plan that provides coverage through a network of contracted doctors and hospitals.

Limits and Unknowns

• The bill does not specify consequences for insurers failing to provide the required directory.
• It is unclear how this change will affect existing policies before renewal.

Official Summary Text

A BILL FOR AN ACT to amend the Indiana Code concerning insurance.
Directory of in network providers.

Current Bill Text

A BILL FOR AN ACT to amend the Indiana Code concerning insurance.

Directory of in network providers.

Requires, upon issuance and renewal of a policy, an insurer to provide a directory of providers with which the insurer has entered into a reimbursement agreement to an insured or prospective insured. (Under current law, an insurer may provide a directory of providers to an insured.) Provides that: (1) a directory of providers provided by an insurer must include every provider that has entered into a reimbursement agreement with the insurer; and (2) a list of providers provided by a health maintenance organization must include every provider who provides health care services through the health maintenance organization.