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Amends the Illinois Insurance Code to create the Consumer Protection from Surprise Health Care Billing Act. Provides that, on or after July 1, 2025, notwithstanding any other applicable provision, when a beneficiary, insured, or enrollee receives services from a nonparticipating ground ambulance service provider, the health insurance issuer shall ensure that the beneficiary, insured, or enrollee shall incur no greater out-of-pocket costs than the beneficiary, insured, or enrollee would have incurred with a participating ground ambulance service provider. Provides that any cost-sharing requirements shall be applied as though the services provided by the nonparticipating ground ambulance service provider had been provided by a participating ground ambulance service provider. Sets forth provisions concerning payment for ground ambulance services; calculating the recognized amount; limitations for the cost sharing amount for any occurrence in which a ground ambulance service is provided to a beneficiary; appeals for payments made by health insurance issuers; the maximum allowable payment amounts, by individual service types, for nonparticipating ground ambulance service providers owned, operated, or controlled by a private organization; and payments to nonparticipating ground ambulance service providers owned, operated, or controlled, by a unit of government which participates in the Ground Emergency Medical Transportation program administered by the Department of Healthcare and Family Services. Makes conforming changes. Provides that the failure by a health insurance issuer to comply with the specified requirements constitutes an unlawful practice under the Consumer Fraud and Deceptive Business Practices Act and enforcement authority is granted to the Attorney General. Amends the Health Maintenance Organization Act and the Consumer Fraud and Deceptive Business Practices Act to make corresponding changes. Effective July 1, 2025.
Introduced
Feb 7, 2025
Last Action
Jul 2, 2025
Session
IL 104th
Sponsors
1 primary · 31 co
Senate Floor Amendment No. 1 Pursuant to Senate Rule 3-9(b) / Referred to Assignments
Senate Floor Amendment No. 3 Pursuant to Senate Rule 3-9(b) / Referred to Assignments
Senate Floor Amendment No. 2 Pursuant to Senate Rule 3-9(b) / Referred to Assignments
Rule 3-9(a) / Re-referred to Assignments
Added as Co-Sponsor Sen. Chris Balkema
Rule 2-10 Third Reading Deadline Established As June 1, 2025
Added as Co-Sponsor Sen. Seth Lewis
Senate Floor Amendment No. 3 Filed with Secretary by Sen. Ram Villivalam
Senate Floor Amendment No. 3 Recommend Do Adopt Insurance; 013-000-000
Added as Co-Sponsor Sen. John F. Curran
Added as Co-Sponsor Sen. Terri Bryant
Senate Floor Amendment No. 3 Assignments Refers to Insurance
Senate Floor Amendment No. 3 Referred to Assignments
Senate Floor Amendment No. 2 Assignments Refers to Insurance
Senate Floor Amendment No. 2 Referred to Assignments
Rule 2-10 Third Reading Deadline Established As May 23, 2025
Senate Floor Amendment No. 2 Filed with Secretary by Sen. Ram Villivalam
Added as Co-Sponsor Sen. Lakesia Collins
Senate Floor Amendment No. 1 Assignments Refers to Insurance
Added as Co-Sponsor Sen. Erica Harriss
Rule 2-10 Third Reading Deadline Established As May 9, 2025
Added as Co-Sponsor Sen. Mattie Hunter
Added as Co-Sponsor Sen. Chapin Rose
Added as Co-Sponsor Sen. Michael E. Hastings
Placed on Calendar Order of 3rd Reading April 10, 2025
Added as Co-Sponsor Sen. Michael W. Halpin
Added as Co-Sponsor Sen. Doris Turner
Second Reading
Senate Floor Amendment No. 1 Filed with Secretary by Sen. Ram Villivalam
Senate Floor Amendment No. 1 Referred to Assignments
Added as Co-Sponsor Sen. David Koehler
Added as Co-Sponsor Sen. Linda Holmes
Added as Co-Sponsor Sen. Karina Villa
Added as Co-Sponsor Sen. Rachel Ventura
Added as Co-Sponsor Sen. Adriane Johnson
Added as Co-Sponsor Sen. Mary Edly-Allen
Added as Co-Sponsor Sen. Mike Simmons
Added as Co-Sponsor Sen. Javier L. Cervantes
Added as Co-Sponsor Sen. Celina Villanueva
Added as Co-Sponsor Sen. Mike Porfirio
Added as Co-Sponsor Sen. Robert F. Martwick
Added as Chief Co-Sponsor Sen. Willie Preston
Placed on Calendar Order of 2nd Reading April 3, 2025
Do Pass Insurance; 012-000-000
Added as Co-Sponsor Sen. Suzy Glowiak Hilton
Added as Co-Sponsor Sen. Napoleon Harris, III
Rule 2-10 Committee Deadline Established As April 4, 2025
Added as Co-Sponsor Sen. Sara Feigenholtz
Added as Co-Sponsor Sen. Robert Peters
Added as Co-Sponsor Sen. Willie Preston
Added as Co-Sponsor Sen. Bill Cunningham
Postponed - Insurance
Added as Co-Sponsor Sen. Cristina Castro
Added as Co-Sponsor Sen. Laura Fine
Assigned to Insurance
Added as Chief Co-Sponsor Sen. Graciela Guzmán
Filed with Secretary by Sen. Ram Villivalam
Referred to Assignments
First Reading
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Senate Floor Amendment No. 3 Pursuant to Senate Rule 3-9(b) / Referred to Assignments
David Koehler
Michael W. Halpin
Michael E. Hastings
John F. Curran
Napoleon Harris, III
Javier L. Cervantes
Robert F. Martwick
Mike Simmons