Texas businesses may soon be able to offer their workers a workers’ compensation plan with accident and health coverage on the same policy, potentially increasing the number of insured workers across the state.
HB 351, filed Nov. 14, would allow workers’ compensation insurance companies to contract with their counterparts in accident and health insurance to offer employers a bundled coverage plan.
While HB 351 would allow insurers to bundle coverage, it would not allow insurance companies to write group accident and health insurance policies. The measure would require the group health policy to be “provided by an entity authorized to write group accident and health insurance that is separate from the workers̵7; compensation insurance company.”
The bill would allow bundled plans to provide benefits for work injuries through the group accident and health policy, it prohibits any cost-sharing requirements for work medical benefits.
HB 351 would also require all employee contributions for group accident and health coverage to exclude any portion of the premiums allocated to employee benefits.
Likewise, the measure would prohibit providers from making a private claim against a job seeker covered by a bundled plan for any portion of the cost of services provided for a work injury, except as permitted under state law.
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