CS/HB 885

1	A bill to be entitled
2	An act relating to state university student health
3	insurance; creating s. 1006.72, F.S.; providing a short
4	title and legislative intent; providing requirements for
5	state universities with health centers; authorizing a
6	state university to require student proof of health
7	insurance coverage if certain conditions are met or to
8	require the purchase of university-sponsored or other
9	insurance in certain circumstances; requiring student
10	responsibility for resolving outstanding balances owed a
11	university health center; providing requirements for
12	acceptable alternative insurance; providing requirements
13	for proof of coverage; providing requirements for
14	university-sponsored insurance providers; requiring annual
15	reporting by state universities; requiring the Board of
16	Governors to review and report to the Legislature on
17	student access to health care services; providing an
18	effective date.
19
20	Be It Enacted by the Legislature of the State of Florida:
21
22	Section 1.  Section 1006.72, Florida Statutes, is created
23	to read:
24	1006.72  State university student health insurance.--
25	(1)  SHORT TITLE.--This section may be cited as the
26	"Student Health Insurance Protection Act."
27	(2)  INTENT.--It is the intent of the Legislature that:
28	(a)  State universities assist university students, the
29	majority of whom have private health insurance coverage, by
30	billing the private insurer for services received at the
31	university health center.
32	(b)  State universities that require mandatory health
33	insurance coverage recognize private health insurance as an
34	alternative to the university health insurance coverage.
35	(c)  State universities maximize revenues by collecting
36	funds from students' private health insurers to subsidize the
37	operations of the university health center and to reduce health
38	fees or fees for health services to the greatest extent
39	possible.
40	(3)  STUDENT HEALTH INSURANCE.--Beginning July 1, 2010,
41	state universities that charge a health fee, charge fees for
42	services provided in the university health center, and have
43	university health centers that employ at least one full-time
44	physician must:
45	(a)  Bill a student's private health insurer for services,
46	prescriptions, or other items provided by the university health
47	center for which the student is assessed a charge.
48	(b)  Ensure that the university health center is considered
49	an in-network provider with at least five of the 10 largest
50	health insurance companies or managed care plans providing
51	coverage in the state.
52
53	Notwithstanding the provisions of this subsection, a student is
54	responsible for resolving any outstanding balances owed the
55	university health center, subject to the health insurer or
56	managed care agreement between the university and the health
57	insurance company or managed care plan.
58	(4)  MANDATORY HEALTH INSURANCE COVERAGE.--
59	(a)  Beginning July 1, 2010, each state university that
60	elects to require students to provide proof of health insurance
61	coverage as a nonacademic condition of enrollment must comply
62	with this section. Such universities shall:
63	1.  Competitively bid any university-sponsored health
64	insurance.
65	2.  Establish policies that outline acceptable alternative
66	insurance policies as provided in subsection (5).
67	3.  Bill a student's private or university-sponsored health
68	insurer for services, prescriptions, or other items provided by
69	the university health center for which the student is charged.
70	4.  Ensure that the university health center is considered
71	an in-network provider with at least five of the 10 largest
72	health insurance companies or managed care plans providing
73	coverage in the state.
74	5.  Ensure that the university-sponsored insurance and
75	acceptable alternative insurance policies as provided in
76	subsection (5) cover, at a minimum, the level of services in the
77	standard health benefit plan as described in s.
78	627.6699(12)(b)4.
79	6.  In order to prevent double billing, accept the student
80	health fee as a prepaid copayment, deductible, or payment for
81	noncovered services, subject to provisions in any managed care
82	agreement that expressly prohibits such prepayment.
83	7.  Use at least 10 percent of all net revenues generated
84	through insurance collections to provide subsidies for uninsured
85	students to purchase university-sponsored insurance or an
86	alternative insurance policy as provided in subsection (5).
87	(c)  Notwithstanding this subsection, a student is
88	responsible for resolving any outstanding balances owed the
89	university health center, subject to the health insurer or
90	managed care agreement between the university and the health
91	insurance company or managed care plan.
92	(5)  ACCEPTABLE ALTERNATIVE INSURANCE.--A domestic
93	student's health insurance policy is considered to be acceptable
94	for purposes of this section if:
95	(a)  The policy meets the level of services in the standard
96	health benefit plan as described in s. 627.6699(12)(b)4.
97	(b)  The policy provides, at a minimum, coverage from the
98	beginning of a semester, 24 hours a day, until the beginning of
99	the next semester.
100	(c)  The university health center is included in the
101	network of providers covered by the policy or there are network
102	providers covered by the policy in reasonable geographic
103	proximity to the state university campus where the student is
104	enrolled.
105	(6)  PROOF OF COVERAGE.--Proof of health insurance coverage
106	must be provided in the manner and by the date prescribed by the
107	state university or the university may require the student to
108	purchase the university-sponsored health insurance pursuant to
109	subsection (4) or acceptable alternative insurance pursuant to
110	subsection (5).
111	(7)  UNIVERSITY-SPONSORED INSURANCE PROVIDERS.--To be
112	eligible to be considered a university-sponsored insurance
113	provider for student health care services, the insurance company
114	or managed care plan must:
115	(a)  Fulfill the requirements to serve as an insurance
116	carrier, including an entity that provides health benefit plans
117	in this state, an authorized insurer, a health maintenance
118	organization, or any other person providing a health benefit
119	plan that is subject to insurance regulation in this state.
120	(b)  Comply with a 75-percent loss ratio so that at least
121	75 percent of the premiums students pay for any insurance
122	purchased through the university must be spent for medical
123	services.
124	(8)  REPORTING REQUIREMENTS.--Each state university shall
125	annually report all revenue generated through private,
126	university-sponsored, and acceptable alternative student health
127	insurance billing; expenses associated with insurance billing
128	from the previous fiscal year; and information on health
129	insurance and managed care plans offered by the university as
130	university-sponsored student health insurance, including the
131	loss ratios of each.
132	(9)  REVIEW AND REPORT.--The Board of Governors shall
133	review student access to health care services as implemented
134	according to this section, including the scope and use of
135	services of uninsured students, the means to improve access to
136	health care for students, the use of revenues from billing
137	health insurance carriers, the success of university health
138	centers in becoming in-network providers with major insurance
139	carriers in the state, and proposals to improve the benefits and
140	efficiency of student access to health care services, and
141	provide a report to the President of the Senate and the Speaker
142	of the House of Representatives by January 31, 2013.
143	Section 2.  This act shall take effect July 1, 2009.

CODING: Words stricken are deletions; words underlined are additions.