SB 265

This bill prohibits a group health benefit plan, including a self-insured

governmental health plan, from imposing a preexisting condition exclusion. The bill

also prohibits an individual health insurance policy, known in the bill as a disability

insurance policy, from reducing or denying a claim or loss incurred or disability

commencing under the policy on the ground that a disease or physical condition

existed prior to the effective date of coverage. The bill also prohibits a group or

individual health insurance policy or a self-insured governmental health plan from

considering whether an individual, including a dependent, who would be covered

under the plan has a preexisting condition for the purpose of setting any deductibles,

copayments, or coinsurance under the policy or plan.