DENTAL LOSS RATIO ACT Senate SponsorsSen. Laura Fine and Willie Preston House Sponsors(Rep. Jennifer Gong-Gershowitz and Nicole La Ha) 8/9/2024SenatePublic Act . . . . . . . . . 103-0972 New ActCreates the Dental Loss Ratio Act. Sets forth provisions concerning dental loss ratio reporting. Provides that a health insurer or dental plan carrier that issues, sells, renews, or offers a specialized health insurance policy covering dental services shall, beginning January 1, 2025, annually submit to the Department of Insurance a dental loss ratio filing. Provides a formula for calculating minimum dental loss ratios. Sets forth provisions concerning minimum dental loss ratio requirements. Provides that the Department may adopt rules to implement the Act. Provides that the Act does not apply to an insurance policy issued, sold, renewed, or offered for health care services or coverage provided as a function of the State of Illinois Medicaid coverage for children or adults or disability insurance for covered benefits in the single specialized area of dental-only health care that pays benefits on a fixed benefit, cash payment-only basis. Defines terms. Effective January 1, 2025.Senate Committee Amendment No. 2 Deletes reference to:New ActAdds reference to:215 ILCS 5/356z.71 newReplaces everything after the enacting clause. Amends the Illinois Insurance Code. Provides that an individual or group policy of accident and health insurance amended, delivered, issued, or renewed on or after January 1, 2025 shall provide coverage for medically necessary care and treatment to address a major injury to the jaw either through an accident or disease. Provides that the required coverage may impose the same deductible, coinsurance, or other cost-sharing limitations that are imposed on other related benefits under the policy. Defines "medically necessary care and treatment to address a major injury to the jaw either through an accident or disease".Senate Floor Amendment No. 4 Provides that an individual or group policy of accident and health insurance amended, delivered, issued, or renewed on or after January 1, 2026 (rather than January 1, 2025) shall provide coverage for medically necessary care and treatment to address a major injury to the jaw either through an accident or disease. 2/7/2024SenateFiled with Secretary by Sen. Laura Fine 2/7/2024SenateFirst Reading 2/7/2024SenateReferred to Assignments 2/20/2024SenateAssigned to Insurance 3/6/2024SenatePostponed - Insurance 3/15/2024SenateRule 2-10 Committee Deadline Established As April 5, 2024 4/5/2024SenateRule 2-10 Committee Deadline Established As April 19, 2024 4/10/2024SenateSenate Committee Amendment No. 1 Filed with Secretary by Sen. Laura Fine 4/10/2024SenateSenate Committee Amendment No. 1 Referred to Assignments 4/11/2024SenateSenate Committee Amendment No. 2 Filed with Secretary by Sen. Laura Fine 4/11/2024SenateSenate Committee Amendment No. 2 Referred to Assignments 4/12/2024SenateRule 2-10 Third Reading Deadline Established As May 3, 2024 4/16/2024SenateSenate Committee Amendment No. 2 Assignments Refers to Insurance 4/16/2024SenateSenate Committee Amendment No. 1 Pursuant to Senate Rule 3-8 (b-1), the following amendments will remain in the Committee on Assignments 4/19/2024SenateRule 2-10 Committee Deadline Established As May 3, 2024 5/3/2024SenateRule 2-10 Committee/3rd Reading Deadline Established As May 17, 2024 5/7/2024SenateSenate Committee Amendment No. 3 Filed with Secretary by Sen. Laura Fine 5/7/2024SenateSenate Committee Amendment No. 3 Referred to Assignments 5/7/2024SenateSenate Committee Amendment No. 2 Adopted 5/8/2024SenateDo Pass as Amended Insurance; 010-000-000 5/8/2024SenatePlaced on Calendar Order of 2nd Reading May 8, 2024 5/8/2024SenateSecond Reading 5/8/2024SenatePlaced on Calendar Order of 3rd Reading 5/9/2024SenateSenate Floor Amendment No. 4 Filed with Secretary by Sen. Laura Fine 5/9/2024SenateSenate Floor Amendment No. 4 Referred to Assignments 5/9/2024SenateSenate Floor Amendment No. 4 Be Approved for Consideration Assignments 5/9/2024SenateRecalled to Second Reading 5/9/2024SenateSenate Floor Amendment No. 4 Adopted; Fine 5/9/2024SenatePlaced on Calendar Order of 3rd Reading 5/9/2024SenateThird Reading - Passed; 055-000-000 5/9/2024SenateSenate Committee Amendment No. 1 Tabled Pursuant to Rule 5-4(a) 5/9/2024SenateSenate Committee Amendment No. 3 Tabled Pursuant to Rule 5-4(a) 5/9/2024SenateAdded as Co-Sponsor Sen. Willie Preston 5/9/2024HouseArrived in House 5/9/2024HouseChief House Sponsor Rep. Jennifer Gong-Gershowitz 5/13/2024HouseFirst Reading 5/13/2024HouseReferred to Rules Committee 5/13/2024HouseAssigned to Insurance Committee 5/13/2024HouseCommittee/Final Action Deadline Extended-9(b) May 24, 2024 5/20/2024HouseDo Pass / Short Debate Insurance Committee; 014-000-000 5/21/2024HouseAdded Alternate Co-Sponsor Rep. Nicole La Ha 5/21/2024HousePlaced on Calendar 2nd Reading - Short Debate 5/21/2024HouseSecond Reading - Short Debate 5/21/2024HouseHeld on Calendar Order of Second Reading - Short Debate 5/23/2024HousePlaced on Calendar Order of 3rd Reading - Short Debate 5/23/2024HouseThird Reading - Short Debate - Passed 112-000-000 5/23/2024SenatePassed Both Houses 6/21/2024SenateSent to the Governor 8/9/2024SenateGovernor Approved 8/9/2024SenateEffective Date January 1, 2025 8/9/2024SenatePublic Act . . . . . . . . . 103-0972