Illinois General Assembly - Bill Status for SB2405
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 Bill Status of SB2405  104th General Assembly

Short Description:  INS-SURPRISE BILL PROTECT

Senate Sponsors
Sen. Ram Villivalam - Graciela Guzmán - Willie Preston, Laura Fine, Cristina Castro, Sara Feigenholtz, Bill Cunningham, Robert Peters, Suzy Glowiak Hilton, Napoleon Harris, III, Mike Porfirio, Celina Villanueva, Javier L. Cervantes, Mike Simmons, Mary Edly-Allen, Adriane Johnson, Rachel Ventura, Karina Villa, Robert F. Martwick, Linda Holmes, David Koehler, Doris Turner, Michael W. Halpin, Michael E. Hastings, Mattie Hunter, Chapin Rose, Erica Harriss and Lakesia Collins

Last Action
DateChamber Action
  4/9/2025SenatePlaced on Calendar Order of 3rd Reading April 10, 2025

Statutes Amended In Order of Appearance
215 ILCS 5/356z.3a
215 ILCS 5/370gfrom Ch. 73, par. 982g
215 ILCS 125/4-15from Ch. 111 1/2, par. 1409.8
815 ILCS 505/2HHHH new


Synopsis As Introduced
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.

Actions 
DateChamber Action
  2/7/2025SenateFiled with Secretary by Sen. Ram Villivalam
  2/7/2025SenateFirst Reading
  2/7/2025SenateReferred to Assignments
  2/24/2025SenateAdded as Chief Co-Sponsor Sen. Graciela Guzmán
  3/4/2025SenateAssigned to Insurance
  3/11/2025SenateAdded as Co-Sponsor Sen. Laura Fine
  3/13/2025SenateAdded as Co-Sponsor Sen. Cristina Castro
  3/19/2025SenatePostponed - Insurance
  3/19/2025SenateAdded as Co-Sponsor Sen. Sara Feigenholtz
  3/19/2025SenateAdded as Co-Sponsor Sen. Bill Cunningham
  3/19/2025SenateAdded as Co-Sponsor Sen. Willie Preston
  3/19/2025SenateAdded as Co-Sponsor Sen. Robert Peters
  3/21/2025SenateRule 2-10 Committee Deadline Established As April 4, 2025
  4/1/2025SenateAdded as Co-Sponsor Sen. Suzy Glowiak Hilton
  4/1/2025SenateAdded as Co-Sponsor Sen. Napoleon Harris, III
  4/2/2025SenateDo Pass Insurance; 012-000-000
  4/2/2025SenatePlaced on Calendar Order of 2nd Reading April 3, 2025
  4/3/2025SenateAdded as Chief Co-Sponsor Sen. Willie Preston
  4/4/2025SenateAdded as Co-Sponsor Sen. Mike Porfirio
  4/4/2025SenateAdded as Co-Sponsor Sen. Celina Villanueva
  4/4/2025SenateAdded as Co-Sponsor Sen. Javier L. Cervantes
  4/4/2025SenateAdded as Co-Sponsor Sen. Mike Simmons
  4/4/2025SenateAdded as Co-Sponsor Sen. Mary Edly-Allen
  4/4/2025SenateAdded as Co-Sponsor Sen. Adriane Johnson
  4/4/2025SenateAdded as Co-Sponsor Sen. Rachel Ventura
  4/4/2025SenateAdded as Co-Sponsor Sen. Karina Villa
  4/4/2025SenateAdded as Co-Sponsor Sen. Robert F. Martwick
  4/7/2025SenateAdded as Co-Sponsor Sen. Linda Holmes
  4/7/2025SenateAdded as Co-Sponsor Sen. David Koehler
  4/8/2025SenateSenate Floor Amendment No. 1 Filed with Secretary by Sen. Ram Villivalam
  4/8/2025SenateSenate Floor Amendment No. 1 Referred to Assignments
  4/9/2025SenateSecond Reading
  4/9/2025SenatePlaced on Calendar Order of 3rd Reading April 10, 2025
  4/9/2025SenateAdded as Co-Sponsor Sen. Doris Turner
  4/9/2025SenateAdded as Co-Sponsor Sen. Michael W. Halpin
  4/10/2025SenateAdded as Co-Sponsor Sen. Michael E. Hastings
  4/10/2025SenateAdded as Co-Sponsor Sen. Mattie Hunter
  4/10/2025SenateAdded as Co-Sponsor Sen. Chapin Rose
  4/11/2025SenateRule 2-10 Third Reading Deadline Established As May 9, 2025
  4/22/2025SenateAdded as Co-Sponsor Sen. Erica Harriss
  4/23/2025SenateSenate Floor Amendment No. 1 Assignments Refers to Insurance
  4/28/2025SenateAdded as Co-Sponsor Sen. Lakesia Collins
  5/9/2025SenateSenate Floor Amendment No. 2 Filed with Secretary by Sen. Ram Villivalam
  5/9/2025SenateSenate Floor Amendment No. 2 Referred to Assignments
  5/9/2025SenateRule 2-10 Third Reading Deadline Established As May 23, 2025
  5/13/2025SenateSenate Floor Amendment No. 2 Assignments Refers to Insurance

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