This bill amends the Code of West Virginia to prohibit insurers from declining or limiting coverage for individuals based solely on their status as living organ donors. It introduces new legal language that makes it unlawful for insurers to discriminate against living organ donors in terms of coverage offerings, policy issuance, or any related conditions. The bill also empowers the Insurance Commissioner to enforce these provisions and ensures that insurers cannot impose conditions that preclude individuals from donating organs in order to maintain their insurance policies.

Additionally, the bill modifies existing legal language concerning long-term care insurance policies, requiring that outlines of coverage include detailed descriptions of benefits, exclusions, and terms for continuation or discontinuation. It mandates that policyholders receive monthly reports when long-term care benefits are in payment status, which will detail benefits paid, changes in policy status, and remaining benefits. These amendments aim to enhance transparency and clarity for policyholders, while also protecting the rights of living organ donors in accessing insurance coverage without facing discrimination.

Statutes affected:
Introduced Version: 33-13-25, 33-14-8, 33-15-1b, 33-15A-6, 33-25-8, 33-16-11a