CS/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; providing legislative intent; providing student
5	health insurance requirements for certain state
6	universities; providing mandatory health insurance
7	requirements for state universities that require students
8	to provide proof of health insurance coverage as a
9	condition of enrollment; providing requirements for
10	acceptable alternative domestic student's health insurance
11	policies; providing requirements for proof of coverage;
12	providing eligibility criteria for university-sponsored
13	insurance providers; requiring annual reporting by state
14	universities; specifying reporting requirements; requiring
15	the Board of Governors to review and report to the
16	Legislature on student access to health care services;
17	specifying review criteria; providing an effective date.
18
19	Be It Enacted by the Legislature of the State of Florida:
20
21	Section 1.  Section 1006.72, Florida Statutes, is created
22	to read:
23	1006.72  State university student health insurance.--
24	(1)  SHORT TITLE.--This section may be cited as the
25	"Student Health Insurance Protection Act."
26	(2)  INTENT.--It is the intent of the Legislature that:
27	(a)  State universities assist university students, the
28	majority of whom have private health insurance coverage, through
29	billing the private insurer for services received at the
30	university health center.
31	(b)  State universities that require mandatory health
32	insurance coverage recognize private health insurance as an
33	alternative to the university health insurance coverage.
34	(c)  State universities collect funds from students'
35	private health insurers to subsidize the operations of the
36	university health center and to reduce health fees or fees for
37	health services to the greatest extent possible.
38	(3)  STUDENT HEALTH INSURANCE.--
39	(a)  Beginning July 1, 2010, state universities that charge
40	a health fee, charge fees for services provided in the
41	university health center, and have university health centers
42	that employ at least one full-time physician must:
43	1.  Bill a student's health insurer for covered services,
44	prescriptions, or other items provided by the university health
45	center to covered students.
46	2.  Ensure that the university health center attempts to
47	become an in-network provider with at least five of the 10
48	largest health insurance companies or health maintenance
49	organization plans providing coverage in the state based upon
50	statewide premium volume in the most recent calendar year
51	premium volume has been reported.
52	(b)  Notwithstanding the provisions of this subsection, a
53	student is responsible for the payment of any copayments,
54	deductibles, or payments for noncovered services.
55	(4)  MANDATORY HEALTH INSURANCE COVERAGE.--
56	(a)  Beginning July 1, 2010, each state university that
57	chooses to require students to provide proof of health insurance
58	coverage as a nonacademic condition of enrollment must comply
59	with the provisions of this subsection. Such universities shall:
60	1.  Competitively bid any university-sponsored health
61	insurance.
62	2.  Establish policies that outline acceptable alternative
63	insurance policies as provided in subsection (5).
64	3.  Bill a student's private, government-sponsored or
65	university-sponsored health insurer for services, prescriptions,
66	or other items provided by the university health center for
67	which the student is charged.
68	4.  Ensure that the university health center attempts to
69	become an in-network provider with at least five of the 10
70	largest health insurance companies or health maintenance
71	organization plans providing coverage in the state based upon
72	statewide premium volume in the most recent calendar year
73	premium volume has been reported.
74	5.  Ensure that the university-sponsored insurance or any
75	acceptable alternative insurance policy as provided in
76	subsection (5) meets the definition of creditable coverage as
77	defined in s. 627.6561(5)(a), provides comprehensive health care
78	services as defined in s. 641.19(4), or is a blanket or
79	individual health insurance policy that provides both inpatient
80	and outpatient coverage for health care services.
81	(b)  Notwithstanding this subsection, a student is
82	responsible for the payment of any copayments, deductibles, or
83	payments for noncovered services.
84	(5)  ACCEPTABLE ALTERNATIVE INSURANCE.--A domestic
85	student's health insurance policy is considered to be acceptable
86	for purposes of this section if:
87	(a)  The policy or contract meets the definition of
88	creditable coverage as provided in s. 627.6561(5)(a), provides
89	comprehensive health care services as defined in s. 641.19(4),
90	or is a blanket or individual health insurance policy that
91	provides both inpatient and outpatient coverage for health care
92	services.
93	(b)  The policy provides, at a minimum, coverage from the
94	beginning of a semester, 24 hours a day, until the beginning of
95	the next semester.
96	(c)  The university health center is included in the
97	network of providers under the policy or contract or there are
98	network providers under the policy or contract in reasonable
99	geographic proximity to the state university campus where the
100	student is enrolled.
101	(6)  PROOF OF COVERAGE.--Proof of health insurance coverage
102	must be provided in the manner and by the date prescribed by the
103	state university, or the university may require the student to
104	purchase the university-sponsored health insurance pursuant to
105	subsection (4) or acceptable alternative insurance pursuant to
106	subsection (5).
107	(7)  UNIVERSITY-SPONSORED INSURANCE PROVIDERS.--To be
108	eligible to be considered a university-sponsored insurance
109	provider for student health care services, an insurance company
110	or health maintenance organization plan must:
111	(a)  Have a certificate of authority in good standing as an
112	insurer, issued pursuant to chapter 624, or as a health
113	maintenance organization, issued pursuant to chapter 641.
114	(b)  Comply with all rules and laws of this state relating
115	to premiums charged for university-sponsored health insurance
116	policies or health maintenance organization contracts.
117	(8)  REPORTING REQUIREMENTS.--Each state university shall
118	annually report all revenue generated through private,
119	university-sponsored, and acceptable alternative student health
120	insurance billing; expenses associated with insurance billing
121	from the previous fiscal year; and information on health
122	insurance and health maintenance organization plans offered by
123	the university as university-sponsored student health insurance,
124	including the loss ratios of each.
125	(9)  REVIEW AND REPORT.--The Board of Governors shall
126	review student access to health care services as implemented
127	according to this section, including the scope and use of
128	services of uninsured students, the means to improve access to
129	health care for students, the use of revenues from billing
130	health insurance carriers, the success of university health
131	centers in becoming in-network providers with major insurance
132	carriers in the state, and proposals to improve the benefits and
133	efficiency of student access to health care services, and
134	provide a report to the President of the Senate and the Speaker
135	of the House of Representatives by January 31, 2013.
136	Section 2.  This act shall take effect July 1, 2009.

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