TDI adopts rule
on SB 1264 waiver
TDI
has adopted a rule outlining the narrow exception to the state’s new
surprise billing protections, which apply to health care services
provided on or after January 1.
Senate
Bill 1264 protects consumers with state-regulated health plans (about
16% of Texans) from surprise bills in emergencies and in cases where
the consumer had no choice of providers. The legislation carves out a
narrow exception when a consumer chooses an out-of-network doctor or
provider at an in-network facility.
The
new TDI rule:
- Clarifies that consumers can waive SB 1264
balance billing protections only in cases where they have a choice
between an in-network provider and an out-of-network provider. The
waiver can’t be used in an emergency or when an out-of-network
doctor was assigned to a case, such as when an anesthesiologist is
assigned to a surgery.
- Includes the form consumers must sign at least
10 business days before receiving out-of-network care if the
provider wants to balance bill the consumer instead of requesting
arbitration or mediation.
- Applies only to state-regulated insurance plans
and people with coverage through the state employee or teacher
retirement systems. Insurance cards for state-regulated plans have
either “DOI” (for department of insurance) or “TDI” (Texas Department
of Insurance) printed on them. (See
examples.) It does not apply to large
employer-sponsored health plans or Medicare.
The
TDI rule is adopted on an emergency basis. The agency soon will post
the rule through the normal rulemaking process, which will allow time
to accept and consider public comments.
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