►
Description
House Insurance Subcommittee - March 23, 2021 - House Hearing Room 2
A
C
A
Thank
you,
the
chair
detects
a
quorum
and
we
will
begin
our
business
today.
Ladies
and
gentlemen,
on
the
committee,
do
we
have
any
personal
orders
any
recognitions
from
anyone
on
the
committee
all
right,
seeing
none
just
a
bit
of
housekeeping
as
we
begin
and
I'll
ask
the
gentleman
to
my
right
to
clarify,
if
I'm
mistaken,
but
we
have
had
requests
for
some
bills
to
be
rolled
and
I'll
go
through
those
announcements.
A
A
A
A
Thank
you
very
much.
All
right.
We
are
on
our
calendar.
We
will
begin
with
item
number
one
and
thank
you
for
everyone
in
the
audience
today,
as
well
as
viewing
at
home.
We
appreciate
that
we
will
have
some
testimony
on
on
some
pieces
of
legislation
as
we
go
forward
this
afternoon.
So
thank
you
for
for
our
attentiveness.
A
We'll
begin
with
item
number
one
on
a
calendar
house
bill
766,
the
the
last
name
is
spelled
g-a-n-t,
but
it's
actually
pronounced
vaughn
for
those
of
you
who-
and
I
I
had
to
have
that
clarification
myself.
So
I
now
that
I
know
how
to
pronounce
g-a-n-t
chairman
vaughn.
You
are
recognized
on
house
bill,
766.
A
E
The
national
association
of
insurance
commissioners
have
model
language
with
regards
to
cyber
security
and
what
to
do
with
data
breaches
this
this
takes
that
act
and
puts
it
into
tennessee
law.
It
basically
requires
all
licensees
in
tennessee
which
fit
into
the
size
requirements
to
provide
modern
data
security
protections
to
their
systems
and
also
alert
the
department
if
there
has
been
breaches
and
with
that
I'll
stand
for
any
questions,.
A
A
All
those
in
favor
of
amendment
number
one
house
bill.
Fi,
excuse
me
tracking
code,
5524,
all
those
in
favor,
please
say
aye,
although
any
opposed.
Please
say
no,
the
eyes
have
it.
Amendment
5524
is
on
the
bill.
You
have
heard
it
explained
now
as
amended
any
questions
or
comment
on
the
legislation,
charlotte
smith,
you're
recognized.
Thank.
E
E
A
Thank
you
and
not
to
editorialize,
but
I
will.
I
think
it
is
much
the
largely
a
a
proactive
measure.
So
thank
you
very
much
all
right.
Are
you
ready
to
vote
all
those
in
favor
of
sending
house
bill
766
to
full
committee?
Please
signify
by
saying
aye
any
opposed.
Please
say
no,
the
eyes.
Haven't
your
bill
moves
forward
to
full
committee.
Thank.
A
A
F
A
A
Yes,
we
have
a
motion
and
we
do
have
a
second
on
amendment
number
one
tell
you
what
let's
go
ahead
and
adopt
the
amendment.
You
can
explain
the
bill
and
the
amendment
as
as
we
adopt
it,
all
those
in
favor
of
placing
amendment
tracking
code
5592
on
the
bill.
Please
signify
by
saying
aye
any
opposed.
Please
say:
no,
the
ice
have
it.
The
amendment
is
on
the
bill.
A
F
You
very
much,
mr
chairman
and
committee,
I'm
kind
of
calling
this
myself
the
insurance
transparency
bill.
This
facts
that
led
me
to
file
this
legislation
actually
happened
to
me
personally
back
in
early
fall,
my
doctor
ordered
me
to
get
mri
and
after
60
days
of
scheduling
the
mri,
I
finally
was
told
that
it
was
actually
denied,
and
I
did
not
know
the
reasons
why
that
it
was
denied
a
little
little
frustrating
on.
F
On
my
end,
we'll
come
to
find
out
my
the
company
that
was
going
to
perform
the
mri
asked
for
additional
information
from
my
doctor.
My
doctor
never
got
that
or
he
got
it.
Maybe
they
overlooked
it
or
whatnot.
It
was
a
simple
request
for
additional
information
to
make
it
medically
necessary
why
I
needed
an
mri.
F
Well,
what
my
bill
does
is
what
I
realized
is
that
there's
no
mechanism
to
let
the
patient
know
that
either
the
provider
or
the
doc
or
the
or
the
doctor
or
the
institution
has
has
requested
additional
information
from
the
insurance
or
the
insurance
companies
request
additional
information.
So
what
this
bill
does
is
that
if
either
the
doctor
or
the
insurance
company
requests
additional
information,
that
communication
has
to
be
transcribed
to
the
patient.
F
G
No
thank
you.
You
do
bring
to
light
an
existing
problem
where
there's
so
much
paper
that
and
information
that
flows
back
and
forth
it
gets
lost,
and
I
think
keeping
an
informed
patient
in
the
loop
would
really
make
it
more
convenient
and
less
time
lost
in
that
sense.
Thank
you.
Thank
you.
Thank
you.
H
F
There,
the
insurance
side
had
some
utilization
review
board
that
this
has
to
go
through
and
we
got
that
amendment
right
before
the
deadline
to
file
it
for
this
committee,
but
they
left
out
some
language,
so
we
couldn't
get
it
corrected,
and
so
it's
still
going
to
be
the
same
language
that
everyone's
agreed
upon.
Once
we
get
that
amendment
to
full,
so
there
will
be
something
that
we'll
be
adding
that
will
incorporate
the
entire
process
of
going
back
and
forth.
This
communication.
A
And
chairman,
terry
to
your
point,
the
chair
has
been
made
aware
of
other
mandatory
language
and
the
timing
of
that
particular
issue,
realizing
that
this
is
essentially
worked
out
in
in
discussions
with
chairman
kumar
and
others.
We
feel
comfortable
moving
this
bill
forward
and
allowing
that
committee
to
go
on
and
excuse
me
that
amendment
to
go
on
in
full
committee.
We
will
have
another
situation
much
like
that
in
a
moment
in
the
subcommittee
as
well,
so
we
all
feel
comfortable
any
other
questions
or
comments
seeing
none.
A
A
We
are
now
on
item
number
three
in
chair,
lady
hazelwood.
If
I'd
seen
you
first,
I
would
have
taken
you
up
before
those
other
two
gentlemen,
but
now
that
I
see
you
in
the
corner
chair
lady
hazelwood,
you
are
recognized
house
bill
181.
We
have
a
motion
and
a
second
on
the
legislation.
You're
recognized
chair,
lady.
A
I
Thank
you,
mr
chairman,
as
those
of
you
who
have
served
in
the
legislature
for
a
while
you'll
be
very
familiar
with
this
bill.
This
is
the
tennessee
hospital
assessment.
Bill
was
first
passed
in
2010
and
it's
an
annual
voluntary
assessment
that
the
hospitals
put
on
themselves
that
brings
in
this
year
will
bring
in
602
million
dollars
that
will
be
used
by
the
state
to
draw
down
matching
federal
funds
and
that
will
bring
a
total
of
1.7
billion
dollars
into
tenncare.
I
A
Any
questions
or
comments
from
members
question
question
has
been
called
all
those
in
favor
of
sending
house
bill
181
to
full
insurance
committee.
Please
signify
by
saying
aye
aye
any
of
those
opposed.
Please
say
no,
the
ice
have
it.
Thank
you
chair
lady.
Did
I
butter
you
up
well
enough
at
the
beginning
of
my
comments.
Did
I.
B
A
A
Yes
I'll,
restate
that
tracking
code,
three
six,
nine
four.
We
have
a
motion
and
a
second
on
amendment
number,
one
again
to
reiterate
tracking
code,
three,
six,
nine
four,
all
those
in
favor
of
placing
amendment
number
one
on
the
legislation,
please
signify
by
saying
aye
any
of
those
opposed.
Please
say:
no,
the
eyes
have
it
chairman
kumar!
You
are
now
in
a
position
to
be
recognized
on
house
bill
1379
as
amended,
sir.
G
G
A
A
And
we
will
recognize
if
you
could
in
the
request
has
come.
I
will
cap
your
time
at
three
minutes.
Each
we've
had
the
conversation
and
and
as
you
discuss
the
legislation
molly
as
I
look
at
you,
miss
walker,
I'll
I'll.
Let
you
begin
so
molly.
If
you
could
please
introduce
yourself,
tell
us
who
you
are,
who
you're
with
and
and
then
begin
your
testimony.
You're
recognized,
miss
walker.
C
Thank
you,
chairman
hawk,
and
thank
you
so
much
committee
members,
it's
an
honor
to
be
here
for
you
today.
My
name
is
molly
walker
born
and
raised
in
carville
tennessee,
I'm
a
believer
a
wife,
a
mom,
a
daughter,
a
banker
active
rotarian
and
chamber
member,
an
infertility
warrior
as
well
as
co-founder
of
tennessee
fertility
advocates,
and
I
thank
you
again
for
this
opportunity
to
share
my
story,
but
also
testify
on
behalf
of
over
seven
thousand
men
and
women
in
our
grassroots
organization.
C
Tennessee
fertility
advocates.
Infertility
is
classified
by
the
american
medical
association
as
a
disease
that
affects
one
in
six
couples.
It
is
important
to
point
out
that
infertility
is
not
just
a
female
only
issue.
One
third
of
infertility
is
male
factor.
One
third
is
female
factor,
and
one
third
is
unexplained
or
both
I'm
a
part
of
that
1-6
statistic.
C
My
husband
and
I
tried
for
years
to
conceive
both
of
our
children
fast
forward
to
today
and
I'm
a
mom
of
two
babies
in
heaven
and
two
here
on
this
earth
taylor,
and
I
have
a
beautiful
five-year-old
and
a
two-year-old.
However,
the
road
was
not
easy.
The
weight
was
long.
It
was
emotionally
physically,
mentally
and
financially
draining.
I
was
just
shamed
and
embarrassed
that
my
body
wasn't
doing
exactly
what
it
was
created
to
do.
C
Thankfully,
thankfully
I
was
able
to
conceive
and
carry
my
babies
with
the
help
of
medication.
I
did
suffer
from
depression.
I
missed
many
days
of
work
for
appointments
with
my
therapist,
because
infertility
and
the
miscarriages
at
times
were
almost
more
than
I
could
actually
bear.
I
share
this
with
you,
because
my
story
reflects
97
of
those
diagnosed
with
infertility.
C
This
97
are
able
to
treat
the
disease
with
medications
and
or
minimally
invasive
surgeries.
Only
3
percent
actually
require
assisted
reproductive
technology
treatment
such
as
intrauterine
insemination,
which
is
iui
or
in
vitro
fertilization,
which
is
ivf,
and
while
my
story
has
a
happy
ending,
many
tennesseans
are
unable
to
have
families
because
of
the
financial
barriers
to
care.
As
co-founder
of
tennessee
fertility
advocates,
I've
received
thousands
of
stories
from
my
neighbors,
but
also
yours
that
are
absolutely
heartbreaking.
C
C
Tennesseans
deserve
appropriate
access
to
care
so
that
they
can
get
treatment
for
their
disease
and
have
safe
pregnancies
and
healthy
babies.
So
I
stand
before
you
today
asking
you
to
vote
yes
for
house
bill,
1379.
the
tennessee
pro
family
building
act,
because
these
kids
right
here,
my
two
babies,
they're
worth
it
and
so
is
everyone
else's.
C
And,
lastly,
I'm
just
holding
a
fraction
of
just
letters
of
support
from
ranging
from
lawyers
to
ceos
to
everyday
bankers
like
myself
in
support
of
this
bill,
and
I
think
you
all
should
have
a
copy
of
those
packets
as
well.
But
I
appreciate
you,
chairman,
hawk
and
committee
members
and
again
ask
for
your
support
and
your
yes
vote
for
house
bill.
1379..
C
A
J
J
Not
everyone,
though,
can
afford
to
treat
this
heart-wrenching
disease.
As
a
result,
fertility
treatment
becomes
an
option
only
to
the
upper
middle
class
and
those
who
can
afford
it
or
those
who
choose
to
go
into
significant
debt.
My
own
struggle
affirmed
my
desire
and
calling
to
help
those
on
this
same
journey.
J
I've
devoted
my
law
practice
solely
to
third
party
reproduction
and
devoted
hours
pro
bono
to
developing
and
co-authoring
this
legislation,
the
tennessee
pro
family
building
act
as
an
adoptee.
In
having
infertility,
I
can
affirm
that
adoption
and
having
a
child
through
fertility
treatment
are
both
equally
important
family
building
options
that
coexist
and
complement
one
another
for
those
who
are
fortunate
enough
to
get
pregnant
without
medical
assistance,
society
does
not
deem
it
appropriate
to
ask
them
to
first
adopt.
J
It
must
be
understood
that,
while
both
are
options
for
a
person
or
couple
to
build
their
family,
it's
ultimately
up
to
those
individuals
or
couples
to
determine
if
fertility
treatment
and
or
adoption
is
right
for
them
either
is
a
calling
building.
A
family
should
not
be
cost
prohibitive.
The
7
000
plus
advocates
in
our
state
are
asking
for
your
support
to
have
access
for
timely
and
appropriate
health
care
and
to
have
an
opportunity
to
have
a
child
and
grow
their
family
here
in
the
state
of
tennessee.
J
A
K
K
K
K
That
evening
we
went
to
labor
and
delivery,
and
the
doctor
confirmed
that
will
no
longer
had
a
heartbeat
on
april.
16Th
of
2020
will
was
stillborn
at
an
even
six
pounds
with
the
true
knot
in
his
umbilical
cord.
We
walked
out
of
that
hospital
without
him,
and
that
is
something
that
I
would
not
wish
on
anyone.
K
We
had
another
miscarriage
this
past
december
and
we
don't
know
why.
So
I
stand
here
before
you
all
today,
all
but
begging
you
to
vote.
Yes
in
support
of
house
bill,
1379
tennessee
pro
family
building
act
so
that
couples
in
tennessee
who
are
facing
infertility
can
grow
their
families
with
the
insurance
coverage
that
they
need.
A
H
Thank
you
chairman.
I
just
want
to
thank
you
for
your
courage.
I've
I'm
an
anesthesiologist
and
I've
been
in
the
room
when
there's
they've
had
to
have
c-sections
for
stillborn
and
and
I've
cried
with
patients,
it's,
but
you
guys
being
here.
I
appreciate
you
sharing
your
your
story
and
thank
you
for
being
here
and
go
blue
raiders.
L
L
L
M
M
You
know
you
put
the
maximum
you
pop
there,
so
you
can
have
another
round
another
try
you
know,
and
hopefully
that
one
year
it
works
because
you
know
you
know
once
that
one
round
as
a
young
couple
and
the
money
in
your
flexible
spending
account
plus
you
know
the
money
you
you've
saved
up.
You
may
can
do
that
one
cycle
and
then
to
do
it
again,
the
next
year.
M
M
J
A
A
G
G
G
H
Any
mandate,
whether
it's
this
or
any
other
mandate,
has
the
tendency
to
increase
the
cost
of
of
affordable
insurance.
And
so
we
we
need
to
be
cognizant
of
that
moving
forward.
So
I
appreciate
you
working
towards
that
goal,
and
then
I
just
wanted
to
point
out
that
in
the
full
committee-
and
we
had
this
debate
last
week
on
a
bill
about
medical
necessity
and
part
of
that
debate-
involved
emergency
care
as
opposed
to
non-emergency
care,
and
this
says
that
it
would
be
recommended
by
a
physician
as
medically
necessary,
so
take
that
into
consideration.
H
A
Points
well
taken
chairman
terry.
Thank
you
very
much
for
the
questions
or
comments.
Are
you
ready
to
vote
all
those
in
favor
of
sending
house
bill
1379
as
amended
to
full
insurance
committee?
Please
signify
by
saying
aye
aye
any
of
those
opposed.
Please
signify
by
saying
no
the
eyes
have
it
you,
your
bill,
moves
forward!
Chairman
kumar,
miss
walker.
I
do
want
to
mention
your
role
as
rotarian.
A
I
think
I
mentioned
to
you
as
well
that
my
my
brother
is
a
rotary
of
greenville
presidents
who
just
had
their
100th
celebration
anniversary
so
rotarians
from
opposite
ends
of
the
states
but
kindred
spirits.
So
thank
you
very
much.
Thank
you
very
much
for
all
the
folks
that
we've
heard
from
that
church.
Thank
you,
chairman
kumar.
A
A
E
A
Thank
you.
Drafting
code
is
five
five,
eight
six.
Once
again,
the
amendment
drafting
code
is
five.
Five,
eight
six.
We
have
a
motion
and
a
second
on
the
amendment
in
order
to
get
it
on
the
bill.
I
would
like
to
have
have
a
vote
all
those
in
favor
of
adding
amendment
number
one
tracking
5586
to
house
bill.
1015,
please
signify
by
saying
aye
any
of
those
opposed.
Please
say
no,
the
eyes
have
it.
The
amendment
is
on
the
bill.
Chairman
hicks.
You
are
now
recognized
on
the
bill.
Thank.
A
A
A
All
right
item
number
eight
is
house
bill
419
by
chairman
tsupiki,
chairman
spicky.
We
do
have
a
motion
and
a
second
on
your
legislation.
I
know
that
we
have
have
some
amendatory
language
put
before
us
in
amendment
number.
One
I'll
give
the
tracking
code
is
five.
Five,
eight
zero
is
that
accurate
chairman
picky.
A
much
like
we've
seen
in
a
couple
other
areas
on
this
comedian
and
in
discussion
with
with
the
chairman
and
others.
We
work
well
together
and
have
a
very
good
comfort
level
of
where
we're
going
with
this
legislation
and
I'll
recognize
you
on
house
bill
419
and
with
your
intent
on
the
legislation
chairman
sapicki.
Thank.
D
You,
mr
chairman
members,
we
we
left
off
last
week
with
the
bill
in
the
position.
It
is
right
now
and
working
with
tenncare.
Over
this
last
week,
we've
gone
back
and
forth
a
couple
times.
We
missed
the
deadline
to
get
the
actual
language
on
the
bill.
Tenncare
has
already
seen
the
amendment.
What
I'm
asking
for
is
your
permission
to
send
this
bill,
as
it
is
right
now
to
the
full
committee
and
the
full
committee.
We
will
put
the
amendment
on
that.
A
Thank
you
in
in
personal
privilege.
I
will
note
that
this
committee
seems
to
be
working
differently
from
some
other
committees,
and
we've
got
a
great
level
of
respect
and
trust
with
each
other
and
for
each
other
and
and
with
the
chairman
and
vice
chairman
and
all
of
our
members.
So
I
feel
very
comfortable
and
confident
that
we're
having
the
the
proper
discussions
going
forward
on
this
legislation
and
not
every
committee
operates
this
way.
H
Thank
you,
and
I
do
want
for
the
people
that
are
watching
at
home
to
to
realize
that,
and
you
know,
working
with
the
sponsor
and
other
members
in
the
discussion
we
had
last
week,
oftentimes,
we
know
where
we
want
to
go,
but
the
process
just
takes
a
while
getting
stuff
to
legal
services,
and
we
appreciate
everybody
working
with
us
on
this
and
and
so
to
reiterate
what
the
chairman
has
said:
we're
there.
So
I'm
comfortable
with
moving
this
forward.
So
thank
you
for
working
with
us.
A
A
It's
where
you
played
baseball
in
pacific
time,
I
guess,
is
what
it
was
with
the
indulgence
of
everyone.
If,
if
that's
okay,
are
you
ready
to
vote
on
the
bill
all
right,
all
those
in
favor
of
sending
house
bill
419
to
full
insurance
committee,
please
signify
by
saying
aye
any
of
those
opposed.
Please
say
no,
the
ice
habits.
Your
bill
moves
forward.
A
A
A
B
A
Thank
you
any
questions
or
comments,
I'll
interject
here
chairman's
prerogative.
I
want
to
thank
you
for
your
work
on
this,
something
that
the
pandemic
has
taught
us
that
a
simple
phone
call
can
go
a
long
way
to
preserving
someone's
mental
health
and
especially
an
addiction
treatment,
and
this
has
been
of
great
value
to
to
our
providers
and
behavioral
health.