Senate Bill No. 214

Introduced by Senator Gaines

February 11, 2013

An act to amend Section 10231.2 of the Insurance Code, relating to long-term care insurance.

LEGISLATIVE COUNSEL’S DIGEST

SB 214, as introduced, Gaines. Long-term care insurance.

Existing law provides for the regulation of long-term care insurance, as defined, and requires that individual and group policies, certificates, riders, and outlines of coverage be reviewed and approved by the Insurance Commissioner.

This bill would make technical, nonsubstantive changes to that provision.

Vote: majority. Appropriation: no. Fiscal committee: no. State-mandated local program: no.

The people of the State of California do enact as follows:

SECTION 1.  

Section 10231.2 of the Insurance Code is
amended to read:

10231.2.  

begin insert (a) end insert begin insert   end insert “Long-term care insurance” includes any
insurance policy, certificate, or rider advertised, marketed, offered,
solicited, or designed to provide coverage for diagnostic,
preventive, therapeutic, rehabilitative, maintenance, or personal
care services that are provided in a setting other than an acute care
unit of a hospital. Long-term care insurance includes all products
containing any of the following benefit types: coverage for
institutional care including care in a nursing home, convalescent
facility, extended care facility, custodial care facility, skilled
nursing facility, or personal care home; home care coverage
including home health care, personal care, homemaker services,
hospice, or respite care; or community-based coverage including
adult day care, hospice, or respite care. Long-term care insurance
includes disability based long-term care policies but does not
include insurance designed primarily to provide Medicare
supplement or major medical expense coverage.

begin delete

Long-term

end delete

begin insert (b) end insert begin insert   end insert begin insert Long-term end insert care policies, certificates, and riders shall be
regulated under this chapter. The commissioner shall review and
approve individual and group begin insert long-term care end insert policies, certificates,
riders, and outlines of coverage. Other applicable laws and
regulations shall also apply to long-term care insurance insofar as
they do not conflict with the provisions in this chapter. Long-term
care benefits designed to provide coverage of 12 months or more
that are contained in or amended to Medicare supplement or other
disability policies and certificates shall be regulated under this
chapter.