Insurers would be required to provide patients with a complete copy of their medical record under a proposal presented to members of a health insurance advisory panel on Tuesday.
In addition to the medical records proposal, the proposed changes included requiring small employer health insurance plans to include coverage for applied behavior analysis therapies for children with autism.
The insurance industry-dominated panel won't vote on the recommendations until the next board meeting.
There initially was discussion on some of McQueenie's recommendations, but then the board turned quiet.
McQueenie, one of the few non-insurance industry appointees to the board, and FHIAB member and
Existing insurance law allows insureds covered under small group health insurance plans to get the credit applied for out-of-pocket expenses incurred in the previous plan in the three month prior to the change in policies. The credit can transcend calendar years under the state's small group insurance law. In other words expenses incurred late in the fourth quarter of one calendar year can transfer toward the new health plan's deductible even if it's a new calendar year.
Phelps asked McQueenie, communications director of Florida Voices for Health, whether she wanted the 90-day policy for individual coverage to mirror the small-group coverage law, noting if that were the case Obamacare enrollees who re-enroll in the exchange but change policies could have transferrable credit toward a new deductible.
"If you paid a deductible, whatever carrier it is, it should be recognized," McQueenie said, noting she would want the individual policy to mirror the one already in place for small group plans. "You shouldn't end up paying
The conversation got a little more spirited during discussion of McQueenie's recommendation that insurance companies provide their customers a free copy of their medical record.
McQueenie said that the insurance company gets free copies but that consumers don't. Moreover, she said it "behooves the entire world of insurance to make sure that this happens so any potential fraud or improper medical billing can be stopped right at the beginning before it gets out of hand."
Board member and
"I am unsure how this is specifically the role of the insurer," Farrill said.
But McQueenie countered Matthews, asking whether the company denies medical claims without having access to medical records and asked whether the insurer gets a copy of the medical record for free.
"There are claims that are processed without medical records. Run of the mill type claims," he said. "We certainly don't have those in every case."
After the brief, but spirited, discussion, the FHIAB rolled through a number of other recommendations, some of which are controversial, without discussion.
MqQueenie's other recommendations included among other things requiring health insurance companies to amend the state's insurance code regarding developmental disabilities to include fetal alcohol syndrome and prohibiting insurance companies from renewing or amending their formularies during a policy year.