HB 117 — An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, further providing for billing.

PRINTER'S NO.   95

                     THE GENERAL ASSEMBLY OF PENNSYLVANIA



                         HOUSE BILL
                         No. 117
                                               Session of
                                                 2025

     INTRODUCED BY CIRESI, SANCHEZ, BRENNAN, HILL-EVANS, GUENST,
        HADDOCK AND KUZMA, JANUARY 14, 2025

     REFERRED TO COMMITTEE ON INSURANCE, JANUARY 14, 2025


                                    AN ACT
 1   Amending the act of May 17, 1921 (P.L.682, No.284), entitled "An
 2      act relating to insurance; amending, revising, and
 3      consolidating the law providing for the incorporation of
 4      insurance companies, and the regulation, supervision, and
 5      protection of home and foreign insurance companies, Lloyds
 6      associations, reciprocal and inter-insurance exchanges, and
 7      fire insurance rating bureaus, and the regulation and
 8      supervision of insurance carried by such companies,
 9      associations, and exchanges, including insurance carried by
10      the State Workmen's Insurance Fund; providing penalties; and
11      repealing existing laws," in casualty insurance, further
12      providing for billing.
13      The General Assembly of the Commonwealth of Pennsylvania
14   hereby enacts as follows:
15      Section 1.    Section 635.7 of the act of May 17, 1921
16   (P.L.682, No.284), known as The Insurance Company Law of 1921,
17   is amended by adding a subsection to read:
18      Section 635.7.    Billing.--* * *
19      (b.1)   An insurer that sends a reimbursement payment directly
20   by mail to a covered person for medically necessary emergency
21   medical services provided by a nonnetwork EMS agency shall
22   include a notice explaining the purpose of the payment. This
23   notice shall:
 1      (1)    Clearly and conspicuously state the following:
 2      (i)    The services for which the payment is being made,
 3   including the date of service and the name of the EMS agency
 4   that provided emergency medical services.
 5      (ii)    The covered person is responsible for the bill for
 6   emergency medical services provided by the EMS agency.
 7      (iii)    If the covered person has already paid the bill for
 8   the emergency medical services provided by the EMS agency in
 9   full, they can cash or deposit the reimbursement payment.
10      (iv)    The covered person has the option to discuss or
11   negotiate the bill for emergency medical services with the EMS
12   agency prior to making or forwarding a payment. The covered
13   person will not pay the EMS agency less than the amount the
14   covered person received from the insurer for that service.
15      (v)    Whether any payment, including the amount, has been made
16   by the insurer to the EMS agency related to this service.
17      (vi)    Any copayment, coinsurance or deductible that is the
18   responsibility of the covered person under the covered person's
19   health insurance policy.
20      (2)    Disclose the information required under paragraph (1) in
21   type of a size no less than that of the surrounding text and in
22   no less than a font size of ten points.
23      (3)    Be printed on a separate page.
24      (4)    Be printed on red colored paper.
25      (5)    Include a heading, conspicuously placed at the top of
26   the notice, with the words "STOP" in at least twenty-four-point,
27   boldface type and "Read this notice before depositing payment"
28   in at least eighteen-point, boldface type.
29      * * *
30      Section 2.    This act shall take effect in 120 days.

20250HB0117PN0095                   - 2 -