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From YouTube: House Standing Committee on Banking and Insurance
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A
Call
to
order
assistant
the
the
fourth
meeting
of
the
standing
committee
on
house,
banking
and
insurance.
We
do
have
three
bills
to
consider
this
morning
at
this
time.
Adam
clerk,
would
you
please
call
the
roll.
C
D
C
A
Present
now
we
do
have
a
quorum
authorized
to
conduct
business
this
morning.
I
know
that
senator
alvarado
is
chairing
the
committee
at
this
exact
same
time,
so
we'll
go
ahead
and
get
started.
We'll
do
the
bills
in
order.
First
up
will
be
senate
bill.
44.
E
E
I
appreciate
the
opportunity
I
appreciate
the
opportunity
to
present
senate
bill
44.
As
we
all
know,
our
nation
as
a
whole,
in
kentucky
in
particular,
is
in
the
midst
of
a
health
care
crisis
and
every
year
patients
lose
their
health
insurance
because
they
can't
pay
their
premium
for
a
period
of
time
or
even
their
medication,
co-pays
and
since
the
beginning
of
the
pandemic,
it's
been
worse.
Millions
of
people
have
lost
their
health
insurance
and
for
many
kentuckians
access
to
charitable
assistance
is
an
essential
part
of
the
healthcare
safety
net
senate
bill.
E
44
simply
ensures
that
non-profits
and
places
of
worship,
like
our
churches,
can
pay
all
or
part
of
your
health
insurance
premiums
and
other
cost
sharing
for
your
medications
and
treatments.
If
and
when
needed
and
insurance
companies
have
to
accept
and
count
those
payments
as
if
you
made
them
yourself.
E
This
is
like
when
a
church
or
charity
pays
for
someone's
food
or
rent
the
grocery
store
and
the
landlord
accept
the
payment,
regardless
of
where
it
came
from
this
bill,
will
keep
kentuckians
from
being
pushed
off
their
insurance
and
onto
medicaid
or
having
to
rely
on
the
government
for
disability.
It'll
enable
folks
to
continue
to
work
care
for
their
families
and
contribute
to
society,
not
rely
on
the
government
and
at
no
additional
cost
to
taxpayers.
Charitable
assistance
is
a
crucial
lifeline
for
patients
in
kentucky
and
while
healthcare
is
extremely
complicated.
F
Again,
thank
you
for
your
time
today.
We
appreciate
the
opportunity
to
bring
this
important
piece
of
legislation
to
you.
Patient
services
has
a
long-standing
relationship
with
kentucky,
and
you
may
not
know
that
we
administer
the
children
with
special
healthcare
needs,
title
5
grant
for
people
with
bleeding
disorders,
cystic
fibrosis
and
juvenile
diabetes.
I'm
sorry
juvenile
arthritis
over
our
tenure
in
kentucky,
by
providing
case
management
for
people
to
make
sure
that
they
can
stay
on
their
insurance.
We
have
saved
the
state
of
kentucky
over
55
million
dollars
in
health
care
costs.
F
It's
that
simple
46
percent
of
people
have
elected
not
to
fill
their
prescriptions
because
they
can't
afford
it,
and
in
march,
to
april
alone,
of
2020
due
to
the
pandemic,
kentucky's
medicaid
rolls
increased
by
seven
percent.
This
good
piece
of
legislation
simply
prevents
people
from
having
to
spend
down
their
assets
and
go
on
to
medicaid.
It
allows
people.
A
G
Okay,
senator
you
know,
I
have
great
respect
for
for
you
and
you
know
the
some
of
the
things
that
you
said
earlier
no
question.
I
agree
with
we're
in
a
health
care
crisis,
people
can't
pay
their
premiums
their
reasons
for
that
federal
government
laws
that
have
been
passed.
G
People
can't
pay
their
deductibles
and
co-pays
because
what
happened
because
of
those
changes
we
we
forced
the
cost
so
high
that
all
people
then
could
afford
were
the
really
high
deductible
low
copay
plants.
I
mean
that's
and-
and
I
know
that
personally
my
wife
just
was
prescribed
a
medication.
That's
gonna
be
four
or
six
hundred
dollars
a
month
and
she
chose
not
to
take
it,
which
I
said
you
need
to,
but
she
she
hasn't
because
you
know
of
the
cost.
So
I
know
what
you're
trying
to
do
here.
G
I
just
feel
like
at
some
point,
though,
instead
of
doing
all
these
little
things
that
really
don't
solve
the
problem,
you
know,
when
are
we
ever
going
to
solve
the
problem
when
we're
going
to
try
to
address
the
real
issues
or
why
are
premiums
so
high?
We
can't
afford
them.
Why
are
why?
Is
it
that
we
can
only
afford
the
the
really
high
deductible
plan?
G
You
know
all
of
those
types
of
things
and
and
part
of
the
reason
is
because
someone's
deciding
for
us
that
you
know
if
you're
going
to
have
a
plan
you're
going
to
have
the
very
best.
Now,
if
you
can't
afford
it,
you
got
nothing
but
we're
gonna
force
you
to
take
the
very
best
plan,
and-
and
I
just
you
know,
why
is
it
that
prescription
drugs
prices
are
so
much
higher
in
in
the
united
states
than
anywhere
else?
And
so?
G
But
the
only
question
that
I
do
have
is
have
you
depart
talk
to
the
department
of
insurance
to
see
if
they
have
had
any
problems
with
this
bill.
E
I
have
not
have
not
heard
anything
from
that.
I
know
we
have
regular
meetings
with
the
cabinet
and
haven't
heard
anything
from
doi
on
this
in
terms
of
a
complete
sea
change
for
health
care.
Representative,
you
make
my
mouth
water
you're
asking
a
doctor.
How
do
we
fix
health
care?
There's?
Probably
a
thousand
different
solutions,
but
they're,
really
I've
got
some
tremendous
ideas
that
I've
proposed
to
plenty
of
insurance
companies
on
how
we
fix
at
least
the
drug
costs,
to
say
instead
of
doing
back,
room
deals
with
with
pharmaceutical
companies.
E
How
about
you
just
give
us
a
budget?
You,
you
know
how
much
a
disease
state,
how
much
you
want
to
spend
on
diabetes
or
hypertensions.
If
you
want
to
spend
43
dollars
and
22
cents,
you
tell
the
patient,
I'm
willing
to
give
you
43
bucks
and
22
cents
to
manage
your
hypertension.
You
and
your
doctor
figure
out
what
medicines
to
try
and
if
you
want
to
have
pharmaceutical
companies
bring
down
their
drug
costs.
E
They'll
have
a
drug
that
might
cost
200
bucks
and
they
say,
but
this
patient
only
has
43
dollars
and
22
cents
to
spend
you
better
bring
that
price
down
or
you're
not
going
to
sell
your
product,
but
the
doctor
and
the
patient
decide
instead
of
having
pharmaceutical
companies
insurance
companies
decide
and
if
we
can
get
our
insurance
companies
to
do
that
kind
of
a
model.
They'll
control
their
costs.
They
know
how
much
they'll
spend
per
disease
state.
They
can
accumulate.
So
many
disease
states
and
say
here's
your
budget
and
let
that
patient
that
doctor
decide.
E
You
probably
cover
90
of
the
costs
that
the
big
things
would
be
chemotherapy
and
big
heavy,
expensive,
expensive
treatments,
but
for
a
lot
of
those
chronic
states
that
would
work
and
when
I
proposed
it
to
insurance
companies
a
lot
of
their
big
ceos.
I
think
it's
a
novel
idea
and
I
go
no
really
it's
just
a
budget,
but
that's
that's
a
whole
nother
discussion
I
can
get
into
on
this
issue.
Doi
hasn't
expressed
any
concern
for
me,
there's
no
fiscal
note.
E
As
far
as
an
impact
for
the
state
and
I've
talked
to
the
cabinet
regularly,
and
I
think
this
bill
they're.
G
E
It
applies,
and
I
want
to
make
sure
that
that's
the
clear,
but
I
don't
believe
it.
I
think
it
applies
across
the
board,
but
there's
an
exemption
for
from
my
understanding
for
state
employee,
correct
state,
employee
health
plan,
correct.
A
Thank
you,
representative
gooch.
We
do
have
remotely
joining
us
today.
Tom
stevens
executive,
director
of
kentucky
association
health
plans
welcome
tom,
introduce
yourself,
mr
chairman,
can
you
hear
me
yes,
sir,
introduce
yourself
and
proceed.
H
Thank
you,
mr
chairman,
and
members
of
the
committee.
My
name
is
tom
stevens
and
I'm
the
executive
director
of
the
kentucky
association
of
health
plans.
Khp
is
the
trade
association
for
kentucky's
commercial
health
insurance
providers,
who
are
here
this
morning
to
sound
the
alarm
about
senate
bill
44
and
ask
you
to
vote.
No.
H
H
No
one,
especially
my
members,
are
suggesting
we
prohibit
genuine
charities
from
helping
with
medical
expenses,
but
what
sb
44
will
really
accomplish
is
making
sure
that
providers
and
big
pharma
maximize
cash
flows
by
redirecting
patients
from
government
programs
with
lower
reimbursement
rates
to
private
market
coverage
with
higher
reimbursement
rates.
So
why
does
this
matter
besides,
potentially
leaving
unwitting
patients
on
the
hook
for
future
co-pays,
deductibles
and
co-insurance
when
the
charity
walks
away
these
practices
undermine
the
individual
market
by
skewing
the
risk
pool,
driving
up
premiums
and,
ultimately
increasing
healthcare
costs
for
individuals
and
small
businesses.
H
H
H
They
can
then
sit
back
and
virtually
guarantee
a
higher
return
on
investment,
because
the
commercial
insurers
pay
substantially
higher
amounts
for
dialysis
treatments
than
medicare
and
medicaid,
and
while
it
may
not
be
legal
to
steer
a
patient
to
a
specific
provider
in
our
rural
areas,
it's
largely
foreseeable
that
patients
will
seek
care
close
to
home
and
with
limited
options.
These
foundations
can
guarantee
paydays.
H
As
we
continue
climbing
out
of
the
covit
19
crisis,
that's
affected
every
aspect
of
our
economy,
transferring
what
is
effectively
a
provider
big
pharma
bonus
under
the
backs
of
kentucky's
commercial
insurance
market,
while
perhaps
well
intended
undermines
the
auspices
of
philanthropy.
This
is
a
bad
prescription
for
kentucky,
don't
let
kentucky
become
a
health
insurance
destination.
We
ask
you
to
please
vote
no
on
sb44,
subject
to
your
questions.
Mr
chairman,.
G
Thank
you.
I
think
what
I
heard
you
say
is
that
of
course
we.
Let
me
start
by
saying
that
I
think
we
all
agree
that
when,
whenever
you
have
you
know,
if
everyone
buys
insurance,
you
don't
really
have
a
problem
with
pre-existing
conditions
or
high
cost
conditions
or
any
everything,
because
there's
enough
people
paying
the
premiums.
G
But
I
think
your
point
is
that
if
you
have
charitable
groups
who
volunteer
to
pay
volunteer
to
pay
people's
premiums,
they
are
going
to
not
look
to
find
some
healthy
20
year
old
to
pay
their
premiums
they're,
going
to
look
to
pay
premiums
for
someone,
my
age
who
has
chronic
health
conditions,
very
high
cost
conditions,
and
they
will
pay
my
premiums
so
that
I
then
will
have
insurance
that
probably
reimbursed
at
a
higher
rate
than
if
I
were
to
have
to
go
on
medicaid
or
something
is
that
is
that
correct?
G
A
Thank
you
any
other
questions
or
comments
from
members
of
the
committee.
If
not,
we
have
a
motion
in
a
second
properly
in
front
of
us
at
this
time.
Madam
clerk,
please
call
the
row.
I
I
I'm
going
to
vote
yes.
However,
there
are
some
issues
I
would
like
to.
J
I
G
Can't
explain
my
vote.
This
is
this.
Is
the
tough
one
I
mean
you
know
it's
not
tough,
that
we
want
to
help.
People
with
you
know
want
to
donate
and
that
sort
of
thing,
but
it
but
it.
I
think
there
really
are
legitimate
implications
as
to
where
it
why
it
really
affects
the
overall
market
out
there
and.
G
C
K
The
deductibles
out-of-pocket
deductible
expense
does
not
go
forward.
No.
F
There
are
two
bills:
the
this
bill
is
specifically
for
charities
to
provide
cost,
sharing
and
premium
assistance
for
fine
for
needs-based
financial
aid
for
patients
that
are
needs
based,
tested,
there's
a
lot
of
information
in
that
testimony.
That
is
completely
false,
and
I
would
I
look
forward
to
having
the
opportunity
to
talk
to
you
all.
So
this
is
not
the
accumulator
bill.
This
is
specifically
for
non-profits
to
be
able
to
pay
financial
assistance
for
patients
that
need
it
for
their
premiums,
their
cost,
sharing,
nursing,
infusion
and
travel
to
medical
treatments.
C
C
C
C
Yes
and
explain
my
vote,
I'm
gonna
vote
yesterday.
I
also
I
echo
representative
gucci's
concern
here
and
I
also
would
love
to
see
a
more
holistic
fix
to
all
of
our
healthcare
woes,
but
my
guest
today
is
in
support
of
all
of
the
advocacy
groups
that
have
come
out
in
favor
of
this
group,
many
of
whom
are
charitable
organizations
that
truly
help
people
in
my
district.
So
thank
you.
J
J
D
D
But
you
know
again,
I
think
the
heart
of
this
bill
is
good,
but
you
know
there
was
some
concerning
testimony
that
I
feel
like
I
need
to
dive
into
a
little
bit
more
so
I'll
reserve.
My
vote
for
the
floor.
Thanks
representative.
C
I'd
like
to
ask
a
question
that
my
colleague
brought
up
a
question
in
my
mind
as
she
asked
a
question
so.
F
That
is
a
great
question.
The
in
2014
cms
did
pass
a
federal
law
that
allows
that
mandates.
Insurance
companies
allow
specific
groups
to
provide
financial
assistance
for
patients.
Those
include
like
the
ryan
white
foundation,
indian
tribes,
etc.
It
was
silent
on
non-profits,
so
sometimes
some
states
have
no
problem.
Accepting
non-profit
charitable
assistance
and
some
have
said
well.
Cms
was
silent
on
it,
so
we're
going
to
not
accept
it
and
that
has
forced
many
people
to
go
into
bankruptcy
and.
C
A
Yes,
representative
bentley,
would
you
like
to
schedule
a
vote
on
senate
bill
44.
A
A
I
do
have
a
committee
substitute
that
I
have
sponsored
and
talked
with
senator
about
the
change
it
does
make.
Is
it
it
changes
the
bill
to
where
it
does
not
apply
it?
Remove
the
additional
exception
for
prescriber
that
determines
brand
name.
Drug
is
medically
necessary,
except
for
when
the
drug
has
been
approved
through
prior
authorization,
step
therapy
or
exceptions
approval.
This
is
in
my
thoughts
a
little
more
consistent
with
the
house
bill
72
that
representative
bentley
passed
to
this
committee
and
off
the
house
floor
last
year,
some
of
the
insurers
more
comfortable
with
that
language.
G
A
E
Thank
you,
mr
chairman.
Thank
you,
members
of
the
committee,
so
senate
bill
45
is
really
a
patient
protection
bill.
That's
going
to
help
kentuckians
afford
their
medications
and
these
two
bills,
the
previous
one.
E
They
joined
more
than
20
advocacy
groups
like
the
american
cancer
society,
hemophilia
foundation,
the
kentucky
medical
association,
arthritis
foundation,
several
others
who
want
to
ensure
that
individuals
suffering
from
chronic
conditions
have
access
to
the
medications
they
need
senate
bill
45
addresses
a
growing
problem.
A
new
insurance
company
practice
called
the
copay
accumulator
adjustment,
that's
leading
to
increase
and
often
surprising,
out-of-pocket
costs
for
kentuckians
when
they
visit
the
pharmacy,
as
out-of-pocket
costs
have
increased
steadily
over
the
years.
E
Many
patients,
especially
those
with
chronic
conditions,
have
come
to
rely
on
copay
financial
assistance
programs
to
afford
their
medicines.
However,
many
insurance
companies
are
refusing
to
apply
the
value
of
those
payments
made
through
copay
assistance
programs
to
their
annual
deductibles
and
it's
hurting
kentuckians.
This
would
be
like
somebody
in
front
of
you.
If
you
go
through
mcdonald's
or
starbucks
in
front
of
you
and
they're
going
to
pay
it
forward,
they're
going
to
pay
for
your
your
coffee
or
your
meal,
just
as
out
of
goodwill,
they
take
that
money.
E
A
Okay,
I
know
you
have
some
folks
online.
Do
they
want
to
comment
or
just
be
available
for
questions.
E
A
Yeah,
this
is
a
bill
that
the
committee
is
kind
of
familiar
with,
so
if,
if
they
want
to
chime
in
briefly
sure
I'd.
E
Like
if
you
could,
if
mr
klausing,
if
he's
on
the
line,
I
think
his
testimony
is
particularly
powerful
and
I
think
the
committee
should
hear
it.
Okay,
sure.
M
Thank
you,
mr
chairman.
Thank
you
senator
once
again
joe
clausing,
I
guess
executive
director
of
cure
cf,
the
local
kentucky
charity
for
cystic
fibrosis.
My
son
is
13.
He
has
cystic
fibrosis.
His
life
expectancy
is
37.,
so
many
of
you
serving
on
this
committee
would
not
be
alive
today,
but
for
medication.
M
He
would
not
be
alive
today.
If
he
were
in
your
shoes.
In
recent
years,
there's
been
significant
advances.
It's
been
covered
in
the
wall
street
journal
time
magazine
new
york
times
discussing
therapeutic
advances.
Unfortunately,
these
come
with
significant
costs.
I
spoke
to
a
mom
bruno
wicker
from
bullitt
county
last
night,
who
has
twins
with
cystic
fibrosis,
they're
two
one
medication
for
each
of
them
cost
four
thousand
five
hundred
seventy
four
dollars
and
seventy
one
cents
that's
every
month
so
times
that
by
two
and
she's
fifty
thousand
dollars.
There
are
no
alternatives
to
these
medications.
M
You
may
hear
from
the
insurance
lobbyists
and
those
folks
that
hey
you
know
we
need
skin
in
the
game.
You
know
our
kids
have
skin
in
the
game.
My
son
goes
to
norton
children's
every
every
month
to
get
pricked
to
get
blood
drawn
and
make
sure
his
liver
is
still
working.
He
goes
to
get
blood
drawn
and
labs
done
to
make
sure
his
lungs
are
still
functioning
correctly.
M
I'm
not
here
as
a
lobbyist.
I
I
just
did
a
little
research
before
I
saw
you
know:
anthem,
humana
and
united
spent
almost
a
half
a
million
dollars
just
on
legislative
lobby.
Last
year,
my
budget
zero,
I'm
just
a
dad
trying
to
save
our
my
son's
lives.
You
may
hear
arguments
about
putting
on
the
backs
of
commercial
insurance
and
why
should
they
have
to
foster
this
stuff?
Well,
my
daughter
has
zero
prescriptions.
M
Okay,
she's
nine.
My
son
has
13.,
so
that's
kind
of
the
deal
you
get
when
you
do
insurance
everybody's
different
strokes
for
different
folks
if
it
doesn't
fall
on
the
insurance
folks
who
they
negotiated
with
it's
going
to
fall
on
the
backs
of
the
parents
and
the
folks
with
these
terminal
and
chronic
illnesses.
M
Last
thing
I'll
leave
you
with
is
36
to
nothing.
That's
not
the
score
of
a
uk
game
this
year.
Unfortunately,
it's
the
the
way
this
thing
passed
out
of
the
senate.
It
sailed
out
unanimously
and
by
no
means
a
political
junkie,
but
it
seems
that's
that
would
be
unique
for
this
session.
So
I
just
wanted
to
thank
you
all
for
your
time
today
happy
to
hear
any
questions
if
anything
does
arise.
M
A
A
Yeah
we
will.
We
do
have
a
couple
of
folks
signed
up
in
opposition
to
the
bill.
Again
we
have
tom
stevens
tom,
if
you're
here
and
want
to
proceed.
H
Yeah.
Thank
you,
mr
chairman,
in
light
of
the
senate
committee,
I'm
sorry
the
house
committee
substitute
approved
today,
while
we
still
have
a
few
concerns
with
the
legislation
generally
we're
going
to
withdraw
our
opposition
to
the
bill.
Thank
you
for
your
leadership
on
this.
We
appreciate
it.
A
C
Yes,
thank
you
chairman
members
of
the
committee.
My
name
is
connor
rose
on
behalf
of
the
pharmaceutical
care
management
association,
we're
the
national
trade
association
representing
america's
pharmacy
benefit
managers
and
similar
to
mr
stevens
comments.
While
we
did
not
support
the
original
version
of
the
bill,
we
do
appreciate
the
work
that's
been
done
with
the
house
committee
sub
and
likewise
would
like
to
withdraw
our
opposition
opposition
and
we
are
neutral
on
the
bill.
Thank
you.
L
D
I
have
one
quick
question,
so
subsection
2b
says
that
this
shall
not
apply
to
any
fully
insured
health
benefit
plan
or
self-insured
plan
provided
under
to
an
employee
under
krs
blah
blah
blah.
Is
that
a
state
health
sponsored
plan?
That's.
A
C
C
A
D
A
Yes,
motion
does
pass.
Unfortunately,
we
don't
have
a
consent
calendar,
so
it
does
go
to
the
full
house.
Thanks
for
being
here,
senator
alvarado
hope
you
get
back
to
your
committee
in
time
to
thank.
E
A
I
Thank
you,
mr
chairman.
Oh
make
sure
that's
on.
Thank
you,
mr
chairman,
members
of
the
committee.
My
name
is
mark
trish
executive
director
of
insurance
institute
of
kentucky.
We
are
the
state
trade
association
for
property
and
casually
as
well
as
life
insurance.
We
do
not
deal
with
health
insurance
issues,
only
property
and
casualty
and
life
paula.
K
C
Members
of
the
committee
andrew
kirkner,
on
behalf
of
the
national
association
of
mutual
insurance
companies.
We
are
a
national
trade
association
comprised
of
more
than
1400
member
companies,
13
of
which
are
domiciled
in
kentucky
a
pleasure
to
be
here.
I
Thank
you,
mr
chairman.
First
of
all,
we'd
just
like
to
thank
senator
carpenter
in
abstention.
I
guess
for
sponsoring
this
bill.
For
us,
it's
one.
We've
been
working
on
for
probably
about
a
year
and
a
half
and
or
a
little
more.
A
J
Ask
a
couple
questions
and
make
a
comment
sure
I
was
reached
out
and
I've
talked
to
you
over
the
weekend.
I
was
reached
out
from
a
local
company
in
my
area
that
has
a
record
service
for
over
maybe
90.
80
years
it's
been
passed
down
to
their
family.
Their
concern
was
in
this
section
dealing
with.
J
That
they
shall
not-
and
we
discussed
this-
and
I
even
I
know
I'm
not
an
attorney,
but
I
know
when
the
word
shall
comes
up.
It's
a
it's
got
a
lot
of
strength
to
it
and
his
concerns
was
when
they're
out
and
they
have
made
a
a
hall
or
they've
had
their
trucks
out
and
when
they
come
by
and
they
somebody's
on
the
side
of
the
road
and
they're
needing
assistance.
J
It
blocks
that
in
one
section,
then
it
comes
back
below
in
the
next
section
and
says
that
they
can.
So
if
you
can
kind
of
give
me
an
idea
of
why
there's
a
kind
of
a
contradiction.
I
I've
been
on
this
for
a
number
of
days,
so
I
realize,
where
you're
coming
from
that,
when
there's
an
accident
you're
trying
to
prevent
a
gang
of
wreckers
flying
in
and
swarming
the
accident
and
then
having
to
deal
with
four
or
five
entities
and
trying
to
pay
them.
I
J
My
concern
is
a
legitimate
business
that
actually
has
the
reputation
of
not
doing
that
they
actually
do
their
job
is.
Is
this
a
concern
when
it
says
that
they
shall
not
do
something?
What
is
your
basis
for
that.
I
Right,
thank
you,
representative
smith,
and
just
to
catch
everybody
up
on
a
conversation
we've
had
with
representative
smith,
very
pleasant
conversations,
I
might
add
we're
looking
specifically
at
information.
Are
these
sections
subsections
three
and
four
on
page
10
of
the
bill?
If
anybody
wants
to
look
at
that-
and
I
will
say
this
is
a
language
that
is
in
from
the
in-coil
model
and
also
language
that
has
been
approved
by
the
kentucky
towing
association.
I
I
Frankly,
what
that
unsolicited
towing
does
is
it
opens
the
door
to
some
predatory,
towing
practices,
not
saying
anything
about
your
constituent
talking
about
nationwide,
but
it
tends
to
deflect
consumer
choice
of
who
they're
going
to
have
tow
them.
If
you
know
just
somebody
shows
up
at
a
time
when
maybe
they've
been
an
accident,
they've
had
a
breakdown
or
whatever
it
also
can
interfere
with
police
rotations.
I
The
sections
you're
talking
about
are
not
really
contradictory,
but
it's
not
uncommon
in
legislation
to
say
you
can't
do
something
unless
the
following
conditions
are
met
and
that's
what
subsections
three
and
four
read
together
describe
because
what
it
says
in
subsections,
three,
except
as
provided
in
subsection
four.
So
if
you
meet
the
condition
of
subsection
four,
you
can
do
this.
I
Otherwise,
unless
you
meet
that
condition,
you
may
not
a
towing
company
while
providing
an
emergency
tow,
and
this
is
dealing
only
with
emergency
towing,
not
any
kind
of
towing,
that's
not
covered
by
the
bill,
not
private
property,
towing
or
anything
like
that.
They
shall
not
stop
at
the
scene
of
an
accident
for
the
purpose
of
soliciting
services,
moving
a
motor
vehicle
or
accruing
charges.
I
In
other
words,
they
can't
come
by
unsolicited
and
take
over
the
scene
unless,
in
four,
a
towing
company
may
stop
or
cause
the
person
to
stop
under
the
following
circumstances.
If
they're
requested
to
stop
by
a
law
enforcement
officer,
in
other
words,
they're
driving
back
from
another
tow,
you
know
an
officer's
got
somebody.
You
know
your
constituent
happens
to
be
driving
by
they
flag
them
down
or
call
them
they're
summoned
to
the
scene
by
the
owner
or
operator
or
the
person
is
provided
consent.
I
J
Mr
chairman,
can
I
make
a
comment
and
then
I'll
be
finished?
I'm
not
trying
to
take
up
the
committee's
time,
but
one
of
the
things
that
we
discussed
is-
and
I'm
not
sure
every
county
has
this
issue.
J
But
I'm
aware
that
there's
some
with
a
hook
on
the
back
of
their
truck
and
they
go
try
to
find
business.
Sometimes
they
compound
the
vehicle
and
it
cost
them
a
lot
to
get
out
just
because
it
was
said
idle
on
the
side
of
the
road.
I'm
not
trying
to
protect
those.
J
But
I'd
like
to
make
a
suggestion
over
the
interim.
Mr
chairman,
that
we
look
at
certifications,
professionalism,
finding
ways
of
training.
So
we
can
eliminate
a
lot
of
this
and
I
think
it
can
be
eliminated
that
way
that
we
bring
it
up
to
a
professional
standard
in
the
record
service.
So
that's
something
that
I'd
like
for
you
to
be
open
with
in
discussions
this
summer,
and
I
appreciate
the
communication
that
we've
had
and
I
appreciate
you
listening
to
my
constituent.
I
K
Yeah
chairman
roland
just
a
quick
comment
to
that
too.
Representative
smith.
I
appreciate
that-
and
I
just
wanted
to
specifically
thank
the
kentucky
towing
association
and
I'm
sure
that
they
would
be
happy
to
talk
with
you
and
with
other
stakeholders,
because
they
have
indicated
that
many
of
the
provisions
in
this
bill
are
already
being
done
by
most
of
the
reputable
towers.
K
But
again
there
are
those
few
that
you
know
aren't
exercising
the
best
practices,
and
so
they
really
wanted
to
put
all
towers
on
the
on
a
level
playing
field,
and
so
that's
why
they
are
aligned
with
this
bill,
they've
been
very
cooperative.
I
I'd
like
to
thank
mike
penn
with
holbrook
towing
here
in
frankfort
and
junior
ellis
out
of
ellis
towing
from
bardstown
who
have
helped
many
many
months
now
work
on
this
bill.
K
I
Yeah
and
they
even
got
on
the
phone
with
us
during
the
middle
of
the
ice
storm
when
they
were
up
to
their
eyeballs,
so
they
just
they
did
go
up
above
and
beyond,
and
it's
been
a
pleasure
finding
an
agreed
bill
with
them.
G
You,
mr
chairman,
thank
you
and
thanks
senator
senator
carpenter
for
bringing
this
bill.
This
has
been
an
issue
for
a
long
time
out
there
and,
and
we
do
know
there
have
been
people
who
are
bad
actors
who
would
go
out
and
tow
someone
into
their
place.
They
maybe
have
a
fix,
a
fence
lot
or
whatever,
and
some
of
the
fees
that
they
charge
per
day,
plus
the
towing
bill.
G
It
doesn't
take
very
long
for
many
cars
to
now
the
the
storage
and
the
and
the
towing
bill
is
more
than
the
car's
worth,
and
so
what
happens
then,
is
that
you
know
the
person
has
just
lost
their
car
or
maybe
the
you
know
the
insurance
company,
then
you
know
totals
it
out
or
whatever,
because
the
the
you
know
the
damage,
maybe
and
or
plus
the
towing
bill
is
worth
more
than
what
the
car
is
worth
and
so
end
call
has
been
working
on
this.
G
I
think,
mr
chairman,
for
several
years
and
it's
something
that
not
only
is
a
problem
in
kentucky,
but
it's
a
problem
nationwide,
and
I
think
that
this
bill
has
been
worked
on
by
a
lot
of
people,
especially
at
encore
and
and
something
that
that
this
committee
has
worked
on
for
many
years
here
as
well.
I
think
it's
a
good
deal
and
I
appreciate
you're
bringing
it
thank
you
thank.