SB 99
Department of Legislative Services
Maryland General Assembly
2020 Session
FISCAL AND POLICY NOTE
Enrolled - Revised
Senate Bill 99 (Chair, Finance Committee)(By Request - Departmental -
Maryland Insurance Administration)
Finance Health and Government Operations
Health Insurance Benefit Cards, Prescription Benefit Cards, and Other
Technology - Identification of Regulatory Agency
This departmental bill requires insurers, nonprofit health service plans, and health
maintenance organizations (collectively known as carriers), as well as Medicaid managed
care organizations (MCOs) and pharmacy benefits managers (PBMs) that contract with
MCOs, to print on a health insurance benefit card or prescription benefit card the acronym
used for the State agency that regulates the policy or contract. A carrier, MCO, or PBM is
not precluded from including any other information on a card. The bill also makes a
technical correction. The bill takes effect January 1, 2021, and applies to all policies or
contracts issued, delivered, or renewed in the State on or after that date.
Fiscal Summary
State Effect: None.
Local Effect: None.
Small Business Effect: The Maryland Insurance Administration (MIA) has determined
that this bill has minimal or no impact on small business (attached). The Department of
Legislative Services concurs with this assessment. (The attached assessment does not
reflect amendments to the bill.)
Analysis
Current Law: Carriers and MCOs that provide prescription drug coverage must provide
insureds, subscribers, or enrollees with a health insurance benefit card, prescription benefit
card, or other technology. Such a card must comply with specified standards or include
certain data elements: (1) the name or identifying trademark of the carrier or MCO (or that
of the benefit administrator); (2) the name and identification number of the insured,
subscriber, or enrollee; (3) the telephone number that providers may call for pharmacy
benefit assistance; and (4) all electronic transaction routing information and other numbers
required to process a prescription claim electronically. If a change occurs in any of the data
elements required to be included, a carrier or MCO must reissue a card or provide
corrective information. If a carrier or MCO contracts with a PBM, the PBM must comply
with these requirements.
Background: MIA advises that the bill is intended to provide greater transparency
regarding which entity – either MIA or the Maryland Department of Health (with the
acronym of MDH) – regulates a particular policy or contract. Colorado, Missouri, and
Texas require similar information to be printed on insurance cards.
Additional Information
Prior Introductions: None.
Designated Cross File: None.
Information Source(s): Department of Budget and Management; Maryland Department
of Health; Maryland Health Benefit Exchange; Maryland Insurance Administration;
Department of Legislative Services
Fiscal Note History: First Reader - January 10, 2020
rh/ljm Third Reader - March 15, 2020
Revised - Amendment(s) - March 15, 2020
Enrolled - March 31, 2020
Revised - Amendment(s) - March 31, 2020
Analysis by: Jennifer B. Chasse Direct Inquiries to:
(410) 946-5510
(301) 970-5510
SB 99/ Page 2
 ANALYSIS OF ECONOMIC IMPACT ON SMALL BUSINESSES
TITLE OF BILL: Insurance – Health Insurance and Prescription Benefit Cards –
Identification Requirements
BILL NUMBER: SB 99
PREPARED BY:
(Dept./Agency) Maryland Insurance Administration
PART A. ECONOMIC IMPACT RATING
This agency estimates that the proposed bill:
X WILL HAVE MINIMAL OR NO ECONOMIC IMPACT ON MARYLAND
SMALL BUSINESS
OR
WILL HAVE MEANINGFUL ECONOMIC IMPACT ON MARYLAND
SMALL BUSINESSES
PART B. ECONOMIC IMPACT ANALYSIS
It is not expected that there will be any fiscal impact on small business.
SB 99/ Page 3


Statutes affected:
Text - First - Health Insurance Benefit Cards, Prescription Benefit Cards, and Other Technology - Identification of Regulatory Agency: 15-130 Insurance, 15-130.1 Insurance
Text - Third - Health Insurance Benefit Cards, Prescription Benefit Cards, and Other Technology - Identification of Regulatory Agency: 15-130 Insurance, 15-130.1 Insurance
Text - Enrolled - Health Insurance Benefit Cards, Prescription Benefit Cards, and Other Technology - Identification of Regulatory Agency: 15-102.3 Health General, 15-130 Insurance, 15-130.1 Insurance