This bill enacts the Tennessee Preexisting Conditions Protection Act, which prohibits health insurance issuers from imposing preexisting condition exclusions on insureds.MEDICARE SUPPLEMENT POLICIES Generally under present law, a Medicare supplement policy or certificate may not exclude or limit benefits for losses incurred more than six months from the effective date of coverage because it involved a preexisting condition, and may not define a preexisting condition more restrictively than a condition for which medical advice was given or treatment was recommended by or received from a physician within six months before the effective date of coverage. This bill rewrites the above provision to prohibit the exclusion or limitation of benefits for losses incurred because it involved a preexisting condition.TENNESSEE SMALL EMPLOYER GROUP HEALTH COVERAGE REFORM ACT Under present law: (1) Except in the case of a late enrollee, any preexisting conditions provision may not limit or exclude coverage for a period beyond 12 months following the insured's effective date of coverage, and may only relate to conditions manifesting themselves in a manner that would cause an ordinarily prudent person to seek medical advice, diagnosis, care or treatment; for which medical advice, diagnosis, care or treatment was recommended or received during the 12 months immediately before the effective date of coverage, or as to a pregnancy existing on the effective date of coverage; (2) In determining whether a preexisting conditions provision applies to an eligible employee or to a dependent, all health benefit plans must credit the time the person was covered under a previous group health benefit plan if the previous coverage was continuous to a date not more than 30 days before the effective date of the new coverage, exclusive of any applicable waiting period under the plan; and (3) Late enrollees may be excluded from coverage for the greater of 18 months or an 18-month preexisting condition exclusion; however, if both a period of exclusion from coverage and a preexisting condition exclusion are applicable to a late enrollee, the combined period may not exceed 18 months. This bill rewrites the above provisions to instead prohibit a health benefit plan from imposing a preexisting condition exclusion to limit or deny coverage.COVERAGE FOR ADOPTED CHILDREN Present law provides that no preexisting conditions of an adopted child may be used to deny coverage if the adoption or placement for adoption occurs while the parent is eligible for coverage. This bill removes the specification that the adoption or placement for adoption occur while the parent is eligible for coverage.PREGNANCY Under present law, if a person or the person's spouse is pregnant at the time the health insurance coverage is initially purchased, then at the time of the purchase, pregnancy and/or maternity benefits for the current pregnancy may be denied as a preexisting condition. This bill rewrites this provision to prohibit the exclusion, limitation, or denial of pregnancy and maternity benefits as a preexisting condition.TENNESSEE HEALTH INSURANCE PORTABILITY, AVAILABILITY AND RENEWABILITY ACT Under present law, a group health plan, and a health insurance issuer offering group health insurance coverage, may, with respect to a participant or beneficiary, impose a preexisting condition exclusion only if the exclusion relates to a condition, whether physical or mental, regardless of the cause of the condition, for which medical advice, diagnosis, care, or treatment was recommended or received within the six-month period ending on the enrollment date; the exclusion extends for a period of not more than 12 months, or 18 months in the case of a late enrollee, after the enrollment date; and the period of the preexisting condition exclusion is reduced by the aggregate of periods of creditable coverage applicable to the participant or beneficiary as of the enrollment date. This bill rewrites the above provisions to prohibit the imposition of a preexisting condition exclusion. Also, under present law at the time of coverage renewal, a health insurance issuer may modify the health insurance coverage for a policy form offered to individuals in the individual market so long as the modification is consistent with state law and effective on a uniform basis among all individuals with that policy form. This bill removes this authorization.LONG-TERM CARE INSURANCE ACT This bill removes authorization for the imposition of a preexisting condition exclusion under the Act.