Translate
SB2405 - 104th General Assembly
INS-SURPRISE BILL PROTECT
Senate Sponsors
Sen. Ram Villivalam - Graciela Guzmán - Willie Preston, Laura Fine, Cristina Castro, Sara Feigenholtz, Bill Cunningham, Robert Peters, Suzy Glowiak Hilton, Napoleon Harris, III, Mike Porfirio, Celina Villanueva, Javier L. Cervantes, Mike Simmons, Mary Edly-Allen, Adriane Johnson, Rachel Ventura, Karina Villa, Robert F. Martwick, Linda Holmes, David Koehler, Doris Turner, Michael W. Halpin, Michael E. Hastings, Mattie Hunter, Chapin Rose, Erica Harriss, Lakesia Collins, Terri Bryant, John F. Curran, Seth Lewis and Chris Balkema
Statutes Amended In Order of Appearance
215 ILCS 5/370gfrom Ch. 73, par. 982g
215 ILCS 125/4-15from Ch. 111 1/2, par. 1409.8
815 ILCS 505/2HHHH new
Synopsis As Introduced
Amends the Illinois Insurance Code to create the Consumer Protection from Surprise Health Care Billing Act. Provides that, on or after July 1, 2025, notwithstanding any other applicable provision, when a beneficiary, insured, or enrollee receives services from a nonparticipating ground ambulance service provider, the health insurance issuer shall ensure that the beneficiary, insured, or enrollee shall incur no greater out-of-pocket costs than the beneficiary, insured, or enrollee would have incurred with a participating ground ambulance service provider. Provides that any cost-sharing requirements shall be applied as though the services provided by the nonparticipating ground ambulance service provider had been provided by a participating ground ambulance service provider. Sets forth provisions concerning payment for ground ambulance services; calculating the recognized amount; limitations for the cost sharing amount for any occurrence in which a ground ambulance service is provided to a beneficiary; appeals for payments made by health insurance issuers; the maximum allowable payment amounts, by individual service types, for nonparticipating ground ambulance service providers owned, operated, or controlled by a private organization; and payments to nonparticipating ground ambulance service providers owned, operated, or controlled, by a unit of government which participates in the Ground Emergency Medical Transportation program administered by the Department of Healthcare and Family Services. Makes conforming changes. Provides that the failure by a health insurance issuer to comply with the specified requirements constitutes an unlawful practice under the Consumer Fraud and Deceptive Business Practices Act and enforcement authority is granted to the Attorney General. Amends the Health Maintenance Organization Act and the Consumer Fraud and Deceptive Business Practices Act to make corresponding changes. Effective July 1, 2025.
Actions
| Date | Chamber | Action |
|---|---|---|
| 2/07/2025 | Senate | Filed with Secretary by Sen. Ram Villivalam |
| 2/07/2025 | Senate | First Reading |
| 2/07/2025 | Senate | Referred to Assignments |
| 2/24/2025 | Senate | Added as Chief Co-Sponsor Sen. Graciela Guzmán |
| 3/04/2025 | Senate | Assigned to Insurance |
| 3/11/2025 | Senate | Added as Co-Sponsor Sen. Laura Fine |
| 3/13/2025 | Senate | Added as Co-Sponsor Sen. Cristina Castro |
| 3/19/2025 | Senate | Postponed - Insurance |
| 3/19/2025 | Senate | Added as Co-Sponsor Sen. Sara Feigenholtz |
| 3/19/2025 | Senate | Added as Co-Sponsor Sen. Bill Cunningham |
| 3/19/2025 | Senate | Added as Co-Sponsor Sen. Willie Preston |
| 3/19/2025 | Senate | Added as Co-Sponsor Sen. Robert Peters |
| 3/21/2025 | Senate | Rule 2-10 Committee Deadline Established As April 4, 2025 |
| 4/01/2025 | Senate | Added as Co-Sponsor Sen. Suzy Glowiak Hilton |
| 4/01/2025 | Senate | Added as Co-Sponsor Sen. Napoleon Harris, III |
| 4/02/2025 | Senate | Do Pass Insurance; 012-000-000 |
| 4/02/2025 | Senate | Placed on Calendar Order of 2nd Reading April 3, 2025 |
| 4/03/2025 | Senate | Added as Chief Co-Sponsor Sen. Willie Preston |
| 4/04/2025 | Senate | Added as Co-Sponsor Sen. Mike Porfirio |
| 4/04/2025 | Senate | Added as Co-Sponsor Sen. Celina Villanueva |
| 4/04/2025 | Senate | Added as Co-Sponsor Sen. Javier L. Cervantes |
| 4/04/2025 | Senate | Added as Co-Sponsor Sen. Mike Simmons |
| 4/04/2025 | Senate | Added as Co-Sponsor Sen. Mary Edly-Allen |
| 4/04/2025 | Senate | Added as Co-Sponsor Sen. Adriane Johnson |
| 4/04/2025 | Senate | Added as Co-Sponsor Sen. Rachel Ventura |
| 4/04/2025 | Senate | Added as Co-Sponsor Sen. Karina Villa |
| 4/04/2025 | Senate | Added as Co-Sponsor Sen. Robert F. Martwick |
| 4/07/2025 | Senate | Added as Co-Sponsor Sen. Linda Holmes |
| 4/07/2025 | Senate | Added as Co-Sponsor Sen. David Koehler |
| 4/08/2025 | Senate | Senate Floor Amendment No. 1 Filed with Secretary by Sen. Ram Villivalam |
| 4/08/2025 | Senate | Senate Floor Amendment No. 1 Referred to Assignments |
| 4/09/2025 | Senate | Second Reading |
| 4/09/2025 | Senate | Placed on Calendar Order of 3rd Reading April 10, 2025 |
| 4/09/2025 | Senate | Added as Co-Sponsor Sen. Doris Turner |
| 4/09/2025 | Senate | Added as Co-Sponsor Sen. Michael W. Halpin |
| 4/10/2025 | Senate | Added as Co-Sponsor Sen. Michael E. Hastings |
| 4/10/2025 | Senate | Added as Co-Sponsor Sen. Mattie Hunter |
| 4/10/2025 | Senate | Added as Co-Sponsor Sen. Chapin Rose |
| 4/11/2025 | Senate | Rule 2-10 Third Reading Deadline Established As May 9, 2025 |
| 4/22/2025 | Senate | Added as Co-Sponsor Sen. Erica Harriss |
| 4/23/2025 | Senate | Senate Floor Amendment No. 1 Assignments Refers to Insurance |
| 4/28/2025 | Senate | Added as Co-Sponsor Sen. Lakesia Collins |
| 5/09/2025 | Senate | Senate Floor Amendment No. 2 Filed with Secretary by Sen. Ram Villivalam |
| 5/09/2025 | Senate | Senate Floor Amendment No. 2 Referred to Assignments |
| 5/09/2025 | Senate | Rule 2-10 Third Reading Deadline Established As May 23, 2025 |
| 5/13/2025 | Senate | Senate Floor Amendment No. 2 Assignments Refers to Insurance |
| 5/20/2025 | Senate | Senate Floor Amendment No. 3 Filed with Secretary by Sen. Ram Villivalam |
| 5/20/2025 | Senate | Senate Floor Amendment No. 3 Referred to Assignments |
| 5/20/2025 | Senate | Senate Floor Amendment No. 3 Assignments Refers to Insurance |
| 5/20/2025 | Senate | Added as Co-Sponsor Sen. Terri Bryant |
| 5/20/2025 | Senate | Added as Co-Sponsor Sen. John F. Curran |
| 5/20/2025 | Senate | Senate Floor Amendment No. 3 Recommend Do Adopt Insurance; 013-000-000 |
| 5/22/2025 | Senate | Added as Co-Sponsor Sen. Seth Lewis |
| 5/23/2025 | Senate | Rule 2-10 Third Reading Deadline Established As June 1, 2025 |
| 5/28/2025 | Senate | Added as Co-Sponsor Sen. Chris Balkema |
| 6/02/2025 | Senate | Rule 3-9(a) / Re-referred to Assignments |
| 7/02/2025 | Senate | Senate Floor Amendment No. 1 Pursuant to Senate Rule 3-9(b) / Referred to Assignments |
| 7/02/2025 | Senate | Senate Floor Amendment No. 2 Pursuant to Senate Rule 3-9(b) / Referred to Assignments |