ࡱ> y{zq` h'bjbjqPqP I8::25       & 8$& .2^l(.......#0h2T. .  4.  -.'  )  P~mWdX)8-4.0.)j22D**2 *ZhT..X.& & & d & & & & & &          WASHINGTON ASSOCIATION OF HEALTH UNDERWRITERS LEGISLATIVE UPDATE February 23, 2007 Legislative Committees Consider Governor Gregoires Blue Ribbon Commission Health Care Proposal The House Health Care & Wellness Committee and the Senate Health & Long Term Care Committee each held hearings on Monday, February 12 to consider Governor Gregoires proposed legislation resulting from the work of the Blue Ribbon Commission on Health Care Costs and Access. The bills (HB 2098 and SB 5930) were introduced last week by Governor Gregoire. The Governors proposal would ask the Health Care Authority to design a health insurance connector through which coverage could be bought and sold efficiently. It also asks the Office of the Insurance Commissioner to prepare recommendations to reduce administrative costs. The measure keeps the work of the Blue Ribbon Commission as a top priority for legislators for the 1007 session. The business community, health plans, WAHU, and others provided testimony in support of the general direction of the proposal. It is likely that the measures will be brought to a vote in the near future. OIC Producer Licensing Bill Considered by House and Senate Committees Hearings have been held in the House and Senate to consider legislation that the OIC has introduced (HB 1533 and SB 5715) to reform and modernize agent, broker, and adjuster licensing and administration. The proposal is intended to simplify and streamline the licensing process in an effort to provide reciprocity and uniformity with other states insurance licensing laws. Agreement seems to have been reached between the OIC and all producer organizations. Until this week, one producer association continued to express concern about the disclosure requirements in the bill. After discussions between the OIC and interested parties, an agreement appears to have been reached on the issue. It is likely that the measure will be brought to a vote in both committees in the near future. House and Senate Committees Hold OIC Market Analysis Bills while OIC and Industry Groups Negotiate Issues House and Senate committees are waiting to see if agreement can be reached between the OIC and insurance industry group with respect to SB 5717 and HB 1532redrafted versions of the OICs Market Analysis proposal. The proposal is intended to provide the OIC with the information and methods necessary to monitor the states insurance marketplace, identify trends, changes and emerging issues to target insurers for regulatory intervention and to allocate resources where they can be most effective to protect consumers. Insurance Commissioner Mike Kreidler testified that the plan is intended to modernize the current process for market conduct examinations. The national insurance trade associations expressed concern that the current OIC proposal does not provide sufficient opportunity for insurers to verify the accuracy of the data used in the market analysis program. Concerns were also raised about the overlap of existing market conduct examination provisions and the new market analysis proposal; the lack of controls on fees charged by independent examiners under contracts with the OIC; and the lack of alternative dispute resolution provisions to address concerns that arise during the investigation or examination process. Insurers also stressed the importance of strong confidentiality language. Proposed language to address these issues has been provided to the OIC and a meeting was held between industry representatives and the OIC on the measure. On Friday, the OIC issued a response showing some movement on at least two of the four main areas of controversy. The insurance industry is reviewing the OICs most recent proposal. Senate Committee Approves Controversial Measure Regarding Bad Faith Claims Against Insurers The Senate Consumer Protection & Housing Committee has narrowly approved an amended version of SB 5726a controversial bill drafted by the Washington State Trial Lawyers Association that is titled the "Insurance Fair Conduct" bill. As introduced, the bill and its counterpart in the House (HB 1491) was drafted to allow "third party bad faith" claims against insurerssimilar to the measure that was overturned by voters in California. WSTLAs bill, however, would appear to apply to first party claims as well. An amendment was adopted by the committee making it clear that the measure would apply to first party bad faith claims only. The bill would allow a court to award treble damages if it is found that the insurer violated a provision of the Washington Administrative Code and that the violation was negligent or unreasonable. The Washington Defense Trial Lawyers, together with representatives of the insurance industry, spoke in opposition to the measure when it was heard by the committee last week. The bill now goes to the Senate Rules Committee. Senate Committee Passes Controversial Bill to Criminalize Fraudulent Denial of an Insurance Claim The Senate Consumer Protection & Housing Committee has approved SB 5344a measure that would impose criminal penalties for an insurer that fraudulently refuses to pay an insurance claim. The bill amends an existing section of law that imposes criminal penalties on policyholders who make fraudulent insurance claims. The Washington State Trial Lawyers Association testified in support of the measure, arguing that existing civil and regulatory remedies are not sufficient to deter fraudulent actions by insurers who wrongly deny claims. Insurers and the Washington Defense Trial Lawyers testified in opposition to the bill, arguing that the Office of the Insurance Commissioner maintains sweeping authority to protect consumers, and that significant civil remedies are also available. Just prior to voting on the measure in committee, Chairman Brian Weinstein (D, Mercer Island) commented that the bill is intended to level the playing field so that the insurance industry is subject to the same criminal sanctions as those who engage in insurance fraud. Insurers have objected to any suggestion that those who routinely process insurance claims should be subject to criminal scrutiny for their decisions. The bill now goes to the Senate Rules Committee. House and Senate Committees Consider Controversial Wrongful Death Bills The House and Senate Judiciary Committees each held hearings on Friday, February 16 to consider legislation that would likely increase the number of claimants and value of wrongful death cases. HB 1873 was introduced by Rep. Timm Ormsby (D, Spokane). SB 5816 was introduced by Senator Adam Kline (D, Seattle). The measures have been introduced at the request of the Washington State Trial Lawyers Association. The Liability Reform Coalition, the Washington Defense Trial Lawyers, the Washington State Office of the Attorney General, the Washington State Association of Cities, the Washington State Medical Association and the Washington State Medical Association provided a strong panel of witnesses providing testimony in opposition to the measure, expressing concern about the adverse impact that the proposals would have for defendants in wrongful death cases. If you have questions or comments about this report, please contact one of the following members of WAHUs legislative committee: Cathy Backamus ( HYPERLINK "mailto:ceb@bratrud.com)-" ceb@bratrud.com)- Tri-County Chapter Legislative Chair Bob Harley ( HYPERLINK "mailto:rharley@fidelityins.com)-" rharley@fidelityins.com)- Spokane Chapter Legislative Chair Mark Rose ( HYPERLINK "mailto:mrose@baldwinrgi.com" mrose@baldwinrgi.com) Northwest Washington Legislative Chair Josh Nace ( HYPERLINK "mailto:jnace@dentalhealthservices.com" jnace@dentalhealthservices.com State Legislative Chair Greg Seifert ( HYPERLINK "mailto:greg.seifert@biggsinsurance.com)-" greg.seifert@biggsinsurance.com)- Federal Legislative Chair     PAGE 1 -  PAGE 3 - EPVWXYt AC K$L$M$Z$c$o$$$$$繬|rerer[Nh"uh"u@CJaJhE@CJaJh"uhE@CJaJh"u@CJaJh"uhB#@CJaJh5@CJaJh|h|5>*CJaJh|h|CJaJh|h|@CJaJh|h|5>*@CJaJ h]Z@ hB#5@ h|5@h$hE5@ hE@jhEhE@U hp@2EWXY t u v @A $ a$gd| $ a$gd| gdE $ a$gdE 2'g'ABC K$L$M$$$A%%2&&1'gd5 $ a$gd| $ a$gd|$$$%% %%%.%@%M%N%|%}%~%%%%%%%%%&&1&2&=&>&q&r&s&&&&󣴏m󴣴Y&j(Vh"uh"u6CJUaJ&j9Uh"uhE6CJUaJh"uh"u0J6CJaJ&j6Th"uh"u6CJUaJ jh"uh"u6CJUaJh"uh"u6CJaJh"uhE0J6CJaJ&jSSh"uhE6CJUaJ jh"uhE6CJUaJh"uhE6CJaJ"&&&&&''1'2'3'5'6'8'9';'<'>'B'C'I'J'K'L'S'T'U'['\']'^'`'a'b'e'f'g'h'㹱wh Z0JmHnHu h Z0Jjh Z0JU h ZCJh ZmHnHujh ZUh Zh*jh*UhEhE6h"uh"u0J6CJaJ&j?Wh"uh"u6CJUaJh"uh"u6CJaJ jh"uh"u6CJUaJ$1'2'4'5'7'8':';'='>'?'@'A'B'M'N'O'P'Q'R'a'b'c'd'e'f'  $ !H$a$&`#$gd5f'g'h'gd5G 0 00.PP&P1:pE/ =!"#$% SSDd6J  C &Alogo 1bRe,.hia![RDnRe,.hia![PNG  IHDR$  sRGBgAMA a cHRMz&u0`:pQ< pHYsnu>tIME  (AtEXtSoftwareAdobe Photoshop 7.0lQIDATx^}u$89pP2rsD FtT}_sϟ *?߷yvww=@l|}[%}ހ|~5[g)sTKyK?B&k}|o皾80ϯ;qwp@2x[ @B\Y7'7M$rQe>o›ę|#(p!BܺnOwp9&9# 珔b٥ =TZs sqT?19F.a@E{+eQ wyeBu7YqJ{E@A@~/~wBi@st$tH.G\kdUz =19;ļQ2M#Ǐ1%5^-Z^bPGl`X ӌBxirzkڟ/%63z&v-\˸ˆư<<55?Oj9^?`p=蕿n!iXjƵ5s lmTWb:8Ү|hΒ7Y=[LMc$TpO`eCcmǦƿND }=&אI4d1V?+ uA@Qs07y ľ v2'N]]b#M[G2h, 2e)c9?Gb;p]8 9ռ|x6\!4~ùQC.mKe|f«AD-3tTHg|'By q 1Z l02YGg \/C_jT#-rfI4QNC_6}8}>K}4fpq4D֪nA e2tHxKW^B<CbxURb#=4߃_1'.5`'AWlA -YGdL`$9t d:is7 ͦ(*B1ЀpK4Ep &z'!eiSA`g 6郫=(]FpqQɴ| wSE!2$jZTz$6ͽIzfA;pQD/h!đuc />7Y j@vMhl]B*ãHC-S2Jśy~~nذnWFhLү=# sH Ht1ɳpF7My?VAifp>cZ"~B #6pjIY! hJD$b.I*rDV8NJyWkt8v]"sYm&N}5X}Js@~sD{ Ns&h N{]I"pman訕_*z/dV&煛 !߻EODl^X`w͸@?4P{aS$1̴0`yg Ŵrm\y-f!( ,ĦCz}$M8k0u!$ y?C] ׳3lMjE]z)Fc`= aDl-~O7g%ݠ\RԆ'/9KlwŔY\jlJ$ȅ{ _}Q\yr!ռ&xy=⃈r F1e5,KO&&6@`&'Ay諵"1M7P,8Du%1{q4PZ 7cw@3aB+4͟^:IlQ}l.cV߱ wJUt>Р[EsN.Zi4qZlUI4߯&6~ކ L dKT(ugRb 9G'8xO8L:xAD4#,&cU^\JlȀ2Q` )Z{OB̈U:z&(#-7 ._*`Ba/( dŠBF=x N#6nim2u $1Cצ/Wsd{SL,n`gmjf^J8&#ę{eE&"ެIԆqjZ{MlI6d^֎-7Kʼ|J30jzH 6Gz X|0I K:Ϻ[szq4 c_yBR=qvWՐk{5bT#u+JhӈۺʍZRlEFJTcM,c\КpF H%qnr:I6{">dn ͞#z9 7_YsxZm1~~a] h1l)KlM"b*cԆD#;Ӻʹ-ް ҩca6qB!'w"~3&[C^UF}!a, L m^SƳ,bf…{.Lp78v!?2<R@P+"dfޮE& j6Þ)LElm\oY˒˜ZB%y8 rz!K@I66e1|6C#d4~I(iaN!62ni'LCƮ)l2 N:vhU䂀8;c/r.r~C`}xL'6a.:ij26%AA|qk۳dq~?>{/ 'oX,3rgD)Ml#RV7/+*h=^P\{PC8jBoV#dظwr̋0—a7>O`bךy+(Cu1n,LyG._[쌒}IZSg9z{ v$6 omCN\b & ]2Z֖>diT'[E)iKƑĶe?'NˬKl&*9wh<\i=߷by/Κ^Q QFlR'ëȓfOl5F|]<46Uwml!ɤInvf7Wmͷv H9ִ_L *r%uyMfXfZZ&qpK^q2q̨=4;AQE69W¦%ZA,`ebF'S5*1V)QV&~BgdF qY++dq֟Tl;2ykk7QA^_9$YTx!Þxݻ,;d6}Ko{';hȫmFbpLYTt23(-6-EN$-nKlyFl!FyJQ[<:t<&O㔖n_Mێjc>>:nzMM'}vp^Z#El|.b'36}fwӞD19_?޾K0xl /3&0 nlGcfXSh0OlMA-¨w>t=~SA┸1_E>ҕ7 3]%A nbj8!o`ٗ3Ol$tӪ~Kk?7&aOZ4AHoec ܚ9ni0rbC^H=nIb㌋'*ôHWzGtMp:c-0ٱgC`4g$܇hUXrBF˹=U> lY"NE|[G92%AtTD℄6M0{:&2ԌK.%G6kt gkؚz$%3YHsy9f|]6tqvAdZVxF!*7j.=[@Pޥ0IJD8fdbiD[v'Sm%)?Xv]O˧Z @`ȰhK*fLI[--مcabqjvjx!A1`꽅40k6:+58pkNIƦ,D軛~‹[Ţy(ą>Ll,a<(>d_!8hy (bQBLdr~fیQxkҁͰrs;;os#6HXxݥ15Hٻ,9vN_58 MKfޯӷ9}ȉ^\@ _hm>. 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