Castro-sponsored bill bolsters vaccine transparency

 SPRINGFIELD — State Senator Cristina Castro backed legislation designed to put clear, expert vaccine guidance at the center of the state’s public health response.

“The education and effort put into ensuring our doctors and clinicians make evidence-based decisions should be second to none,” said Castro (D-Elgin). “In the absence of federal leadership, this measure equips our medical professionals and families with the best information available.”

House Bill 767 comes at a time when the federal administration has gone dark on vaccine transparency. The goal is to shine a spotlight on this issue so Illinois continues to follow the science, no matter what happens at the federal level.

The legislation would strengthen advisory duties for the Department of Public Health’s medical director and require the Illinois Immunization Advisory Committee to advise the director on diseases for which a vaccine is licensed by the U.S. Food and Drug Administration. This aims to give the state advisory committee more authority to advise the director on vaccine guidelines that protect Illinois public health in the absence of federal action.

As consumer protections and insurance coverage at the federal level are rolled back, the Castro-backed legislation would require health insurance plans to cover vaccines that are recommended within the State Guidelines for Communicable Disease Prevention. Under this bill, coverage would take effect within 15 days after becoming law, removing a financial barrier to timely access for families.

“At the end of the day, health care de-regulation of any sort will be a price that children and families have to pay and we will stand against that,” Castro said.

House Bill 767 passed the Senate Thursday, Oct. 30.

Castro-supported bill to reform mental health insurance coverage

SPRINGFIELD — State Senator Cristina Castro bolstered support for a measure that secures mental health parity, which allows for the equal treatment of mental health conditions and substance use in insurance plans.

“The lack of in-network mental health coverage in insurance plans discourages people who need services from seeking the help they need,” said Castro. “Taking this step gives residents peace of mind that they can rely on the insurance plans they have been paying into and make the most out of their coverage.”

House Bill 1085 would create a formula to calculate mental health and substance use reimbursement rates. The bill would then task the Illinois Department of Insurance with utilizing the formula to calculate rates and publish them in a bulletin for use by insurers.

Updating reimbursement rates would ensure more behavioral health providers join networks, ensuring individuals are able to access the care outlined within their benefits in a timely manner without having to go out-of-network.

“Having a wider range of in- network provider options for clients to choose from allows for clients to pick the best provider for their needs, not to settle for less” said Castro. “Quality care for patients and meaningful compensation for providers is the top priority in this legislation.”

House Bill 1085 passed the Senate last Thursday.

Reforma del seguro para propietarios de viviendas respaldada por Castro

 SPRINGFIELD — La senadora estatal Cristina Castro apoyó una ley diseñada para proteger a los propietarios de viviendas de aumentos excesivos en las tarifas de los seguros y garantizar que los residentes de Illinois no estén a merced de las compañías de seguros.

"Esta medida protegería a los residentes al hacer que las compañías de seguros asuman toda la responsabilidad," afirmó Castro (D-Elgin). "Los propietarios no se verían sorprendidos por tarifas o renovaciones inesperadas y estarían protegidos por la ley frente a prácticas negligentes por parte de las aseguradoras."

La legislación establecería normas claras para los seguros de vivienda, tales como:

• Sin renovaciones sorpresa: las empresas estarían obligadas a notificar con al menos 60 días de anticipación la no renovación y con al menos 60 días de anticipación los aumentos de tarifas superiores al 10 % o los cambios en la cobertura o deducibles.
• Uso de datos específicos de Illinois: las aseguradoras tendrían que utilizar datos fiables sobre las pérdidas específicas del estado a la hora de determinar las tarifas.
• Tarifas justas, razonables y transparentes: las tarifas tendrían que ser actuarialmente sólidas y no excesivas, inadecuadas o injustamente discriminatorias.
• Responsabilidad y cumplimiento: el Departamento de Seguros podría revisar las solicitudes, emitir órdenes y exigir reembolsos cuando se considerara que las tarifas eran injustas.

La legislación se aplicaría específicamente a los seguros contra incendios y de cobertura ampliada para propiedades residenciales ocupadas por sus propietarios, excluyendo las propiedades comerciales, de alquiler y desocupadas.

Castro destacó que la legislación daría igualdad de condiciones a los residentes de Illinois.

"Reducir a las personas que han sufrido pérdidas a datos limitados y seleccionados es simplemente injusto," dijo Castro. "Esta legislación daría a los propietarios de viviendas un trato justo, con datos completos e imparciales para atender bien a los clientes cuando presenten sus reclamaciones."

El proyecto de ley 3799 de la Cámara de Representantes del estado fue aprobado por el Senado el jueves.

Homeowner’s insurance reform backed by Castro

 SPRINGFIELD — State Senator Cristina Castro supported legislation designed to protect homeowners from excessive insurance rate increases and would ensure Illinois residents are not at the mercy of insurance companies.

"This measure would protect residents by placing accountability and responsibility squarely on the shoulders of insurance companies," said Castro (D-Elgin). "Homeowners would not be caught off guard by surprise rates or renewals and could be protected under the law from negligent insurance practices.”

The legislation would establish clear rules for homeowners insurance, such as:

• No surprise renewals: Companies would be required to give at least 60 days’ notice before nonrenewal and at least 60 days’ notice for premium increases over 10% or changes in coverage or deductibles.
• Use of Illinois-specific data: Insurers would need to use credible state-specific loss experience when setting rates.
• Fair, reasonable and transparent rates: Rates would need to be actuarially sound and not excessive, inadequate or unfairly discriminatory.
• Accountability and enforcement: The Department of Insurance would be able to review filings, issue orders and require rebates when rates are found unfair.

The legislation would apply specifically to fire and extended coverage insurance for residential owner occupied properties, while excluding commercial, rental and unoccupied properties.

Castro highlighted the legislation would give Illinois residents equal footing.

"Reducing people who have suffered losses to limited and cherry-picked data is simply unjust,” said Castro. “This legislation would give homeowners a fair shake, with complete and impartial data to serve customers well when making their claims."

House Bill 3799 passed the Senate on Thursday.