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| 1 | AN ACT concerning regulation.
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| 2 | Be it enacted by the People of the State of Illinois,
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| 3 | represented in the General Assembly:
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| 4 | Section 5. The Illinois Insurance Code is amended by | ||||||
| 5 | adding Sections 155.47 and 155.48 as follows: | ||||||
| 6 | (215 ILCS 5/155.47 new) | ||||||
| 7 | Sec. 155.47. Prohibited practices relating to substance | ||||||
| 8 | use disorder treatment. | ||||||
| 9 | (a) As used in this Section, "recovery support", | ||||||
| 10 | "substance use disorder", and "treatment" have the meanings | ||||||
| 11 | set forth in the Substance Use Disorder Act. | ||||||
| 12 | (b) A company authorized to transact life insurance in | ||||||
| 13 | this State may not, based solely on whether an individual has | ||||||
| 14 | participated in a substance use treatment or recovery support | ||||||
| 15 | program no less than 5 years before application: | ||||||
| 16 | (1) deny coverage to the individual; | ||||||
| 17 | (2) limit the amount, extent, or kind of coverage | ||||||
| 18 | available to the individual; or | ||||||
| 19 | (3) charge the individual or a group to which the | ||||||
| 20 | individual belongs a rate that is different from the rate | ||||||
| 21 | charged to other individuals or groups, respectively, for | ||||||
| 22 | the same coverage, unless the charge is based on sound | ||||||
| 23 | underwriting or actuarial principles reasonably related to | ||||||
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| 1 | actual or anticipated loss experience for a particular | ||||||
| 2 | risk. | ||||||
| 3 | (215 ILCS 5/155.48 new) | ||||||
| 4 | Sec. 155.48. Prohibited practices relating to prescription | ||||||
| 5 | for or obtainment of opioid antagonist. | ||||||
| 6 | (a) As used in this Section, "opioid antagonist" means any | ||||||
| 7 | drug that binds to opioid receptors and blocks or otherwise | ||||||
| 8 | inhibits the effects of opioids acting on those receptors to | ||||||
| 9 | reverse the effects of an opioid overdose. | ||||||
| 10 | (b) A company authorized to transact life insurance in | ||||||
| 11 | this State may not, based solely on whether an individual has | ||||||
| 12 | been prescribed or has obtained through a standing order an | ||||||
| 13 | opioid antagonist: | ||||||
| 14 | (1) deny coverage to the individual; | ||||||
| 15 | (2) limit the amount, extent, or kind of coverage | ||||||
| 16 | available to the individual; or | ||||||
| 17 | (3) charge the individual or a group to which the | ||||||
| 18 | individual belongs a rate that is different from the rate | ||||||
| 19 | charged to other individuals or groups, respectively, for | ||||||
| 20 | the same coverage, unless the charge is based on sound | ||||||
| 21 | underwriting or actuarial principles reasonably related to | ||||||
| 22 | actual or anticipated loss experience for a particular | ||||||
| 23 | risk.
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