►
Description
House Insurance Subcommittee - April 13, 2021 - House Hearing Room 2
A
B
A
A
You
chairman
detective
quorum.
We
are
ready
to
go,
ladies
and
gentlemen,
as
announced
this
is
our
final
calendar
for
house
insurance
subcommittee
and
as
we
look
at
the
calendar,
I
think
it
will
additionally
be
our
final
meeting
absent
call
of
the
chair.
I
think
we've
done
some
good
work
in
the
in
the
subcommittee
this
year.
I
want
to
thank
each
and
every
member
for
your
diligence
for
your
attendance
and
and
what
we've
been
able
to
accomplish
so
far.
A
I
really
appreciate
the
the
energy
that
you
bring
to
the
room,
the
questions
that
you
ask
and
the
consideration
that
we've
given
all
issues
before,
so
thank
you
so
much.
We
do
have
a
calendar
before
us
and
I'll
I'll
hesitate
to
to
give
any
talk
about
potential
action
on
some
of
the
bills
that
may
come
up
until
we
see
what
sponsors
will
do
when
they
get
here,
but
we
do
have
a
calendar
before
us
item
number
one
house
bill
1212
by
chairman
baum.
C
Although
uninsured
motorists
never
seem
to
hit
each
other,
they
do
hit
insured
motorists
and
when
they
do,
this
imposes
costs
on
us
and
we
also
incur
higher
insurance
premiums.
This
is
a
bill.
That's
designed
to
increase
the
number
of
motorists
in
tennessee
that
have
insurance
and
here's
how
it
does
that
in
2017,
the
department
of
revenue
began
operating
an
electronic
insurance
verification
system.
C
This
bill
would
require
the
department
of
revenue
to
connect
that
to
license
plate
readers,
which
are
essentially
cameras
along
our
highway,
interstates
and
highways
and
interstates.
And
then,
when
this,
these
two
systems,
which
are
connected,
detect
violators,
they
would
be
able
to
identify
those
violators
and
send
them
fines.
The
first
penalty
in
the
bill
would
be
a
275
dollar
fee.
The
second
violation
would
be
a
350
fee.
C
After
the
first
violation,
the
violator
would
get
get
some
information
about
insurance
and,
where
to
purchase,
lower
cost
insurance,
as
well
as
a
picture
of
them
driving
their
vehicle
without
insurance.
C
This
is
exactly
what's
been
done
by
the
state
of
oklahoma
and
they
have
reduced
the
number
of
uninsured
motorists
in
their
state
from
350
000
to
just
a
little
bit
more
than
two
hundred
thousand.
I
think
that
this
bill
will
potentially
draw
some
interest
from
stakeholders,
and
I
know
our
sessions
winding
down.
This
committee
may
be
closing,
and
there
may
not
really
be
time
for
everyone
to
ask
all
the
questions
that
they'd
like,
and
so
I'd
like
to
suggest
that
we
consider
a
summer
study
for
this
bill.
A
Thank
you
before
we
entertain
that
we
do
have
a
couple
of
questions
and
comments.
Representative
smith,
you're
recognized
thank.
B
You,
mr
chairman,
and
I
just
wanted
to
ask
of
the
the
sponsor
this
sounds
like
something
that
needs
a
little
bit
of
study,
not
from
the
perspective
of
would
it
work
or
not,
but
just
from
the
perspective
of
what
other
states
have
done
to
address
this
issue.
Similarly,
and
when
I,
when
I
hear
cameras,
I
think
we
all
think
about
surveillance,
and
I
think
we
need
to
do
a
little
more
get
a
little
more
information
on
that.
B
C
Let
me
answer
your
question
several
ways.
Some
other
states
have
been
doing.
This
oklahoma
is
one
example,
so
I
think
the
technology
is
is
there
to
do
to
do
that?
We
know
it
works.
I
think
that
there
are
just
stakeholders
that
have
some
questions
and
they
want
to
have
time
to
think
about
this
in
a
little
bit
more
detail,
it's
the
department
of
revenue
that
would
be
implementing
the
connected
systems
and
they
are
working
with
us
on
this,
but
I
think
that
they
have
some
concerns.
C
The
department
of
revenue
may
have
some
concerns
about
whether
using
certain
cameras,
this
way
would
be
in
violation
of
federal
department
by
by
federal
department
of
transportation
standards.
Now
there
are
some
cameras
that
maybe
the
federal
government
hasn't
authorized
to
be
used
that
way,
but
it's
not,
but
I
think
that
the
department
of
revenue
could
pay
for
their
own
cameras
to
be
installed.
A
Thank
you
and
thank
you,
chairman
bob.
I
think
I
did
hear
that
that
you
wanted
to
have
this
as
close
to
a
true
summer
study
as
possible.
I
want
to
give
you
a
couple
of
thoughts
and
a
couple
ideas,
as
you
do
look
forward
to
that
study,
one
being
with
the
department
of
revenue.
How
up-to-date
is
that
database?
A
How
up-to-date
is
that
information
is
the
insurance
information
that
we
that
we
have
available
and
that's
important
both
for
this
potential
legislation,
but
for
enactment
of
current
legislation
as
well
as
law
enforcement
stops
a
stops,
a
a
driver
for
a
primary
offense
and
then
the
potential
secondary
offense
of
not
having
that
insurance
card
with
them
or
not
being
fully
insured
just
to
make
sure
that
the
data
correlates
and
we're
all
playing
on
the
same
page.
So
I
would
I
would
encourage
you
to
check
on
that.
A
Also,
the
the
possibility
in
I'm
gonna
take
license
and
brainstorm
here
with
you
a
little
bit
if
something
like
this
or
an
offense
of
this
nature
could
be
a
primary
moving
violation,
as
opposed
to
a
secondary
moving
violation
right
now,
where
someone
has
to
be
pulled
over
for
speeding
or
lights
out
or
something
like
that,
then
they
can
check
and
see
if
if
they
have
an
insurance
card
or
fully
insured
or
not,
I
don't
know
how
that
happens.
A
Seeing
that
we
have
a
pardon
me
chairman,
terry,
you
are
recognized.
E
Thank
you
chairman.
You
threw
out
some
statistics.
I
know
we're
trying
to
get
this
to
summer
study
and
I
just
and
you
and
I
could
probably
talk
off
the
record.
You
may
not
have
these
statistics,
but
obviously
with
uninsured
motors
motorists
and
the
amount
of
wrecks
that
have
been
caused
or
whatever
do
you
have
a
dollar
amount
and
a
life
amount
of
cost
to
tennesseans
on
that,
or
is
that
something
that
we're
just
going
to
fare
it
out
during
the
summer
study.
C
The
statistics
I
have
for
you
are
that
a
little
bit
over
20
of
all
motorists
on
the
roads
in
tennessee
are
projected
to
be
uninsured,
and
that
makes
tennessee
fifth
or
sixth
highest
than
in
terms
of
the
percent
of
motorists
who
are
uninsured
now,
whether
the
number
of
cars
that
that
translates
to,
I
don't
know
off
the
top
of
my
head.
But
there
is
a
fiscal
note
on
this
bill
that
attempts
to
project
some
of
that.
C
Actually,
the
fiscal
note
would
suggest
that
the
fees
from
this
program
would
actually
generate
additional
state
revenue,
but
that
projection
is
based
on
a
certain
number
of
motorists
on
the
road.
And
so,
if
you,
if
you
look
at
the
fiscal
note,
I
think
it'll
have
the
it'll
have
a
projection
for
for
the
number
of
cars
that
is,
but
as
a
percentage
on
a
percentage
basis.
It's
it's
close
to
21
percent.
E
All
right,
thank
you.
Look
forward
to
working
with
you
on
that.
I'm
I'm
sure
a
significant
portion
of
those
are
on
that
I-24
corridor
that
you
and
I
come
up
every
day.
A
Chairman
bomb,
the
motions
for
a
summer
study,
all
those
in
favor,
please
signify
by
saying
aye
any
of
those
posts.
Please
say
no,
the
ice
have
it.
We
will
talk
with
the
speaker's
office
and
try
to
get
you
as
close
to
a
real
summer
study
as
we
can.
I
think
that
the
senate
is
going
to
be
discussing
this
issue
as
well.
A
All
right,
ladies
and
gentlemen,
we
are
now
looking
at
item
number
two
on
our
calendar
house
bill
451.,
it's
going
to
give
the
representative
opportunity
to
to
come
and
talk
on
the
bill
if
he
likes.
I
think
the
request
from
representative
hodges
has
been
to
roll
this
bill
to
the
first
calendar
of
2022.
A
A
F
Thank
you
so
much
this
house
bill.
932
is
a
piece
of
legislation
that
adds
doula
services
as
a
kind
of
medical
service
to
be
provided
by
tenncare.
Enrollees
requires
doula
services
to
be
performed
by
a
person.
Who's
received
the
necessary
certifications
to
provide
these
services
early.
As
this
year,
we
passed
a
house
joint
resolution
that
recognize
doulas
as
vital
members
of
the
birthing
team
because
of
the
what
they've
been
able
to
do
to
reduce
infant
and
maternal
mortality.
B
And
and
again,
this
is
just
an
inference
on
my
part,
but
am
I
hearing
you
say
that
that
tenncare
has
an
inadequate
network
or
there's
an
inadequate
network
of
ob
gyn
services
to
individuals?
That's
why
we
have
to
have
these
other
certified
individuals
providing
obstetric
and
gynecology
care.
Thank
you.
F
F
So
if
we
can
add
some
unnecessary
support
to
the
birthing
team,
especially
for
members
throughout
the
state
in
our
rural
areas,
I
think
it
would
truly
be
beneficial
for
the
women
in
our
state
and
over
half
of
the
women
who
give
birth
in
the
state
are
on
tent
care
coverage.
So
we
can,
you
know,
allow
them
to
be
able
to
provide
additional
services.
It's
going
to
help
service
the
rural
areas.
I
think
that
would
be
very
beneficial
to
our
women
and
our
birthing
teams.
G
A
Thank
you.
We
do
have
folks
from
tinker
on
the
list
to
to
speak
on
the
legislation.
A
H
You,
mr
chairman
members,
so
the
current
posture
of
the
bill
and
the
ten
care
position
is
flag.
Philosophical
and
flag
fiscal
doula
services
are
not
currently
covered
by
tenncare,
so
this
would
be
an
insurance
mandate
that
would
add
that
service
to
the
list
of
covered
services
they're
also
not
licensed
professionals,
which
makes
it
more
challenging
for
mcos
to
contract
with
them.
Then,
of
course,
there
would
be
a
fiscal
impact
for
requiring
coverage
of
this.
I
did
have
a
brief
conversation
with
the
sponsor
right
before
committee.
H
A
Licensure
of
these
individuals
is
that
in
a
for
as
the
sponsor
listens
as
well,
I
don't
know
if
that's
a
an
opportunity
or
a
possibility
that
there
be
some
type
of
licensure
created
for
doulas
in
the
state
of
tennessee.
If
there
may
be
precedent
of
the
states
that
may
there
may
be
value
to
that
as
well.
So
any
questions
of
tenncare
chairman
terry
you're
recognized.
E
Thank
you
chairman.
Could
you
speak
to
the
comment
about
the
was
it
47
of
the
95
counties?
Don't
have
an
ob
gyn
well.
H
I'm
not
yeah,
I
actually
don't
have
that
that
data
in
front
of
me.
I
would
need
to
go
back
and
try
to
pull.
We
do
have
adequate
networks,
though,
for
all
you
know,
services
for
pregnant
women
and
postpartum
doulas
are
just
not
covered,
but
they're
they're
a
wide
variety
of
services
covered,
and
there
are
adequate
networks
for
ob
gyns.
H
D
H
That
is
what
I
would
need
to
take
back
really
to
our
folks
at
the
office
to
see
if
there
was
some
sort
of
language
to
work
with
the
sponsor.
But
the
way
the
bill
is
drafted
as
as
the
insurance
mandate
would
be
problematic,
but
yeah
and
and
what
I
told
her
as
well
is
I
don't
have
any
guarantees,
but
she
asked
us
to
take
a
look
at
it.
So
I'm
happy
to
take
that
back
to
the
office.
G
G
H
G
I
think
on
the
service
chairman,
it's
okay.
I
believe
the
position
that
the
bill
I
had
was
in
when
it
became
the
may,
then
the
department
got
neutral
on
it
and
then
therefore
we
had
to
find
a
mind
to
fund
it.
That's.
H
E
Thank
you,
but
to
follow
up
on
that
the
difference
in
the
the
bill
that
we
had
earlier
this
year.
These
are
not
licensed
that.
E
H
I
Just
curious
does
tim
care
cover
midwives.
J
H
I
may
the
sponsor
may
be
yeah
yeah.
I
believe
they
provide
emotional
support
before,
during
and
after
a
pregnancy,
yeah.
J
Thank
you,
chair
yeah,
I
was,
I
had
heard
the
term
midwives
all
my
life
and
I
guess
in
my
mind,
had
an
idea
of
what
that
is,
but
this
term
you've
brought
today
for
this
bill
is
a
new
one
to
me.
So
could
you
give
us
an
idea
what
the
differences
are?
Please.
F
Absolutely
I
would
be
happy
too:
a
doulas
are
important
to
women,
because
their
sole
purpose
is
to
provide
physical,
emotional
and
informational
support
during
labor
and
birth.
Without
doing
anything,
major
medical
excuse
me,
so
they
help
provide
physical,
emotional
and
informational
support
before
during
labor
and
postpartum
they
during
labor.
They
are
your
advocate
to
your
doctor,
a
lot
of
times.
Women
don't
have
family
or
anybody
to
support
them
through
the
birthing
process,
doulas
step
in
to
do
that,
they
are
able
to
articulate
when
you're
in
pain.
They
are
able
to
help.
F
You
understand
what
do
you
need
during
the
birthing
process
before
birth?
They
also
come
up
with
eating
schedules
for
you,
they
go
to
your
appointments
with
you.
They
do
anything
support
wise
to
to
to
help
the
mother
ensure
she
has
a
steady
and
effective
and
safe
birthing
and
labor
process.
They
also
support
you.
Afterwards.
They
teach
you
how
to
breastfeed
your
baby.
They
teach
you
how
to
put
them
on
a
sleep
schedule.
They
help
you
with
your
recovery,
especially
if
you
had
a
c-section.
F
They
even
go
as
far
as
to
change
you,
everything
you
can
think
of
the
difference
between
a
doula
and
a
mid-like.
Wife
is
basically
they
do
the
same
thing
except
the
doula
doesn't
actually
birth.
The
baby
like
a
midwife,
does
again.
They
both
are
not
licensed,
they're
certified,
but
research
has
shown
that
doulas
reduce
the
amount
of
women
who
die
to
reduce
the
amount
of
women
who
lose
their
children
and
they
reduce
the
amount
of
women
who
have
to
have
c-sections,
which
is
more
costly
than
natural
births.
F
So,
if
we
do
implement
support
doulas,
we
save
money
because
that's
less
women
having
c-sections,
which
is
major
surgery
and
tend
to
cost
10
times
as
much
as
a
natural
birth.
So
that
is
the
role
of
a
doulas
they
have
been
around,
but
they
have
now
become
more
known
with
social
media,
the
internet
and
us
becoming
more
educated
about
the
disparities
women
are
going
through
regarding
the
birthing
process.
F
So
as
we
become
more
educated
as
a
society
around
the
difficulties,
women
experience
through
the
birthing
process,
the
more
support
and
the
need
for
doulas
has
begun
to
rise
throughout
the
last
couple
of
years.
Also,
I
want
to
add
that
currently
three
states
have
passed
legislation
to
reimburse
doula
services
through
medicaid,
which
include
indiana,
oregon
and
minnesota.
A
We've
got
a
list,
I'm
going
to
start
with
representative
thompson,
then
rep
chairman
terry,
then
chairman
laughter,
representative,
thompson,
you're
recognized.
G
Thank
you,
mr
chairman.
Is
there
any
formal
of
training
programs
for
doulas?
Could
you
maybe
explain
those.
F
Yes,
in
order
to
be
a
doula,
you
have
to
be
certified,
so
there
are
training
programs
here
in
the
state
and
across
the
country
that
provide
the
training
for
doulas,
so
they
can
be
officially
certified.
So
I
know
I
can't
one
day
I
love
doulas,
obviously,
but
I
can't
say
I'm
a
doula
without
actually
going
through
the
training
and
being
certified.
F
Just
like
you
can't
become
a
real
estate
agent,
without
going
through
real
estate
course
taking
a
test
getting
certified,
you
can't
be
a
nursing
assistant
without
going
through
the
necessary
schooling
and
training
and
getting
certified.
So
yes,
they
are.
They
do
receive
the
necessary
training
to
do
this
and
they
are
considered
experts
in
the
birthing
process
as
well.
So
yes,
sir.
E
Thank
you
chairman,
and
this,
I
think,
is
a
good
discussion
to
have
and-
and
I
think
we
probably
need
some
more
clarity
on
the
issue
and
I
may
not
have
all
the
correct
information
here,
but
a
midwife
is
an
advanced
practice.
Nurse
a
certified
midwife
is
an
advanced
practice
nurse,
so
they've
gone
through
more
extensive
training,
whereas
a
lay
midwife
is
not,
and
my
understanding
is
a
midwife
which
is
similar
to
a
doula
is
not
recognized
here
in
the
state
of
tennessee.
E
So
and
so
from
that
perspective,
I
do
think
that
I
appreciate
the
discussion
on
this.
I
do
think
that
we
probably
need
some
more
information
for
the
members
on
this
and
what
process
there
may
be
to
create
a
license
or
something
along
those
lines
before
we
go
down
that
road.
But
thank
you
for
the
discussion.
A
A
Title
71
section
5,
107,
subsection,
23
nurse,
midwife
services,
nurse
midwife
services
are
performed
by
a
person
who
is
licensed
by
the
tennessee
board
of
nursing
as
registered
nurse
under
the
authority
of
the
nursing
practices
act
and
then,
additionally,
certified
by
the
american
college
of
nurse
midwives.
A
F
Thank
you
so
much.
Thank
you
more
for
the
clarification.
What
we
do
we
do
have
to
get
doula's
license.
I
think
that,
as
we
stated
earlier
this
year,
they
are
vital
members
of
the
health
care
team.
F
I
wasn't
aware
of
the
pushback
until
15
minutes
before
committee
from
tenncare,
so
I
never
really
had
an
opportunity
to
indulge
in
a
conversation
about
any
pushback
or
what
is
to
be
done
or
not
to
be
done,
but
because
I
think
this
bill
is
such
an
important
issue,
and
I
think
that
is
something
that
we
must
get
to
a
place
where
we
are
supporting
doulas.
I
would
love
to
roll
this
to
the
first
calendar
of
the
year,
so
I
can
give
tenncare
an
opportunity
to
talk
with
us.
F
I
know
they
was
able
to
talk
with
many
of
you
all,
but
I
they
have
a
chance
to
really
indulge
with
you
all
in
them
on
this
issue,
but
it
is
important
and
we
want
to
make
sure
that
we
are
continuing
this
conversation,
especially
in
honor
of
black
maternal
health
week
this
week
we
want
to
make
sure
tennessee
comes
from
the
bottom
of
the
nation
when
it
comes
to
ensuring
our
women
are
able
to
make
it
through
the
birthing
process.
So
I
would
like
to
if
I
can
make
that
request.
Mr
chairman.
A
Yeah-
and
I
think
the
as
you
can
tell
we're
all
concerned-
we're
all
concerned
about
about
mothers-to-be,
so
we've
got
a
couple
on
the
list.
I
know
that
chairman
lafferty
had
a
question
chairman
kumar
have
a
question
and
then
we
may
have
a
continuation
of
motion.
I
want
to
go
to
chairman
lafferty.
D
So
I
think
those
people
will
benefit
from
the
wisdom
and
support
from
a
doula,
because
a
young
teenage
pregnant
is
going
through
a
lot
anyway
and
they
may
not
have
the
family
support.
They
may
not
teenagers,
they
may
not
trust
their
parents
and
adola
would
do
well.
I
can
see
that
in
that
situation
I
also
have
also
have
one
other
humble
risk
request,
I'm
struggling
with
how
to
put
it-
and
I
hope
I
don't
get
me
in
trouble,
but
but
sincerely
if
there
are
47
rural
counties
in
which
there
is
not
an
obgyn.
D
That
fact
affects
african
americans
and
others
as
well.
So
let's
not
isolate
it
into
an
african-american
issue.
Let's
help
the
young
teenage
mother,
no
matter
what
her
ethnicity
or
race
is-
and
I
mean
that
sincerely-
let's
not
color
this,
that's
not
okay.
It
also
has
a
mean,
let's
not
make,
that
type
of
an
issue.
It
is
taking
care
of
tennesseans
who
are
in
a
difficult
spot,
and
I
think
again,
given
that
situation,
a
doula
would
would
be,
would
be
a
good
thing
yeah.
Thank
you.
Thank
you,
mr
chairman.
F
Appreciate
your
comments,
thank
you
and
you're
right.
You
know
I.
This
is
a
week
that
we're
bringing
awareness
to
a
certain
demographic-
that's
definitely
has
been
on
the
negative
end
of
many
of
these
issues,
and
obviously
I
have
my
own
personal
story
about.
I
wish
I
had
a
doula
the
whole
time,
and
maybe
things
would
have
turned
out
differently
for
me,
but
you're
right
doulas
can
help
everybody.
F
I
agree
from
our
rural
areas
to
our
rich
top
poor
time
middle
class,
and
I
remember
you
all
supporting
my
bill
that
will
extend
the
whole
scholarship
so
that
women
can
take
a
year
off
to
have
their
children.
You
right,
they
probably
could
use
a
doula
and
be
more
prepared
to
re-enter
college
and
keep
their
hope
scholarship.
F
A
I
I've
got
a
question
on
that,
mr
chairman,
you
know,
I
hear
we
say
roll
it
to
the
first
calendar
of
the
next
year.
Is
there
any
way
we
can
just
roll
it
to
next
year?
I
think
a
lot
of
people
roll
it
to
the
first
calendar
of
next
year.
Then
they
get
here
the
next
year
and
they
may
not
have
done
everything
they
need
and
then
they've
used
one
of
their
calendaring
and
then
that
limits
limits
a
member
from
the
times
it
can
be
calendared.
A
A
A
All
right,
we
are
now
on
item
number
four
on
our
calendar
house
bill
1453
house
bill
1453.
I
think
representative
thompson
has
taken
this
bill
over
for
representative
potts
representative
thompson.
You
are
recognized.
G
Thank
you,
mr
chairman,
and
I
just
got
this
just
a
few
days
ago.
Yeah,
I
think,
there's
a
lot
of
good
things.
This
can
do
in
giving
us
a
healthier
tennessee
and,
in
the
long
run,
really
reducing
a
lot
of
tenncare
costs
but
sort
of
like
everyone
else
today,
I'm
I'm.
I
really
need
to
do
a
bit
more
work
on
this
bill
and
I
think
I
would
like
to
do
like
representative
lamar
and
ask
to
be
taken
off
notice
for
now,
and
I
hope
to
bring
it
back
in
january.
A
All
right
without
objection
house
bill
1453
will
be
taken
off
notice.
Thank
you
very
much,
representative
thompson.
Thank
you,
ladies
and
gentlemen.
We
have
worked
our
way
through
the
calendar.
Do
we
have
any
any
personal
orders,
any
anything
for
the
good
of
the
order
of
the
committee
chairman
terry?
Are
you
recognized.
E
Thank
you
chairman.
I
just
want
to
thank
you
for
your
leadership
this
year.
This
has
been
an
efficient
committee
and
you've
put
in
a
lot
of
hard
work,
and
I
just
sincerely
want
to
thank
you
for
the
work
that
you've
done
on
this
committee.
Thank
you.
A
Thank
you
for
the
opportunity
some
days
it
didn't
feel
quite
as
good
as
other
days.
I
appreciate
the
opportunity
to
to
be
with
you
to
try
to
head
us
in
the
right
direction
on
issues
that
have
come
before
us.
You've
been
a
tremendous
committee.
The
the
information
shared
has
been
very
valuable
to
me
as
a
legislator
and
as
a
person
I
feel
like
I've
grown
greatly
in
listening
to
your
conversations,
and
I
appreciate
the
opportunity
any
more
business
to
come
before
this
committee,
seeing
none
we
will
be.
A
Insurance
subcommittee
house
subcommittee
will
be
closed
to
the
call
of
the
chair.
We
are
adjourned.