Shopper protections for householders coping with wildfire-related points, property contents protection, private knowledge safety and prescribed drugs are set to enter impact in 2024.

The Oregon Division of Monetary Regulation, a part of the Oregon Division of Shopper and Enterprise Providers, complied the next listing of shopper safety legal guidelines coming in January:

Senate Invoice 82 strengthens shopper protections for householders coping with wildfire-related points. It requires insurance coverage corporations to clarify, utilizing property-specific traits, why a coverage won’t be getting renewed or why a fee goes up, and to mirror in score and underwriting plans how that insurer addresses or considers wildfire danger mitigation actions. The invoice additionally prohibits insurance coverage corporations from utilizing statewide wildfire danger maps revealed by the Oregon Division of Forestry as a foundation for canceling or declining to resume a coverage or growing premiums.

SB 192 directs the Oregon Prescription Drug Affordability Board to develop a plan for higher fee limits to comprise prices of prescribed drugs within the state, requires pharmacy profit managers to supply worth transparency reviews to DCBS, expands medical health insurance firm transparency reporting and makes different technical adjustments to DCBS prescription drug pricing packages.

SB 536 establishes new disclosure and care obligations for the sale of annuities in Oregon and permits the sale of registered index-linked annuities within the state. Producers and brokers should additionally full a minimal four-hour coaching course with a unbroken training supplier that has registered with DCBS.

SB 628 requires well being profit plan protection of sure remedies for pediatric autoimmune neuropsychiatric problems related to streptococcal infections.

SB 797 requires medical health insurance insurance policies that cowl bills of hospital, medical, or surgical providers to cowl medically mandatory prosthetic and orthotic units.

SB 1041 prevents group and particular person well being profit plans that cowl supplemental and diagnostic breast examinations from imposing deductibles, co-insurance, co-payments or every other out-of-pocket bills on these providers.

SB 1529 requires well being profit plan protection of three major care or behavioral well being visits with a co-pay of not more than $5 and requires well being profit plan issuers to robotically assign members to major care suppliers if they don’t choose a PCP after the primary 90 days of the plan yr.

HB 2002 establishes a proper to make selections about a person’s reproductive well being and permits any individual to deliver a civil motion towards a public physique to implement this proper. The invoice additionally establishes a statutory requirement for well being profit plans to cowl gender-affirming remedy. It additionally prohibits medical malpractice insurers from taking antagonistic motion towards well being care suppliers for offering reproductive well being or gender-affirming care providers which might be authorized in Oregon.

HB 2052 requires knowledge brokers to register with DCBS earlier than amassing, promoting, or licensing brokered private knowledge in Oregon. DFR revealed a press launch on this new regulation on Dec. 13.

HB 2282 updates the Oregon state regulation codification of the Reasonably priced Care Act preventive providers protection necessities to make sure entry to this protection within the occasion of a profitable authorized problem to the ACA necessities.

HB 2574 prohibits price sharing for well being profit plan protection of post-exposure prophylactic medicine for the prevention of HIV. The invoice additionally requires all Oregon hospitals to have insurance policies and procedures in place for the meting out of post-exposure prophylactic (PEP) medicine and requires the Oregon Well being Authority to supply PEP medicine to Kind A and B rural hospitals for gratis.

HB 2982 requires householders insurance coverage issuers to supply 70% of property contents protection with out requiring policyholders to submit a list if a complete loss happens on account of a declared catastrophe.

HB 2994 expands the protection of bilateral cochlear implants, listening to aids, and different listening to assistive expertise. Additionally, the invoice requires well being profit plans to reimburse the prices related to these providers if they’re prescribed by a licensed well being care skilled, requires reimbursement even when over-the-counter merchandise can be found, and requires particular info in antagonistic profit dedication notices associated to claims for hearing-related gadgets and providers.

Matters
Disaster
Pure Disasters
Wildfire
Owners
Oregon