SB348 Alabama 2013 Session

Summary

Primary Sponsor

Rodger SmithermanSenator

Democrat

Session

Regular Session 2013

Title

Insurance, Title 27, certain sections, repealed

Summary

SB348 would repeal parts of Alabama's Title 27, removing sickle-cell anemia coverage protections and eliminating the Alabama Reinsurance Intermediary Act.

What This Bill Does

It repeals 27-5-13, which barred insurance companies from denying sickle-cell anemia coverage and required payment of related claims. It also repeals 27-5A-1 through 27-5A-3, eliminating the Alabama Reinsurance Intermediary Act, including its definitions, licensing rules for reinsurance intermediaries (brokers and managers), and related bonding and errors-and-omissions requirements. As a result, protections for sickle-cell anemia coverage would no longer be guaranteed, and the regulatory framework for reinsurance intermediaries would be removed. The changes become effective immediately after the bill is passed and approved by the Governor.

Who It Affects

• Health or disability insurance providers in Alabama: could deny coverage for sickle-cell anemia and would no longer be bound by the specific protections removed by 27-5-13.
• Reinsurance intermediaries, reinsurers, and insurers regulated under Title 27: would lose the licensing, bonding, and oversight requirements established by the repealed Alabama Reinsurance Intermediary Act (27-5A-1 to 27-5A-3).
• Policyholders, especially individuals with sickle-cell anemia: may face fewer guaranteed protections against denial of coverage for sickle-cell–related treatment.

Key Provisions

• Repeal of 27-5-13: eliminates the prohibition on denying sickle-cell anemia coverage and the requirement to pay related claims.
• Repeal of 27-5A-1 to 27-5A-3: removes the Alabama Reinsurance Intermediary Act, including its title designation, definitions (e.g., ACTUARY, COMMISSIONER, REINSURER), and the licensing, bonding, and errors-and-omissions requirements for reinsurance intermediary-brokers and -managers.
• Section 2: The act becomes effective immediately following passage and approval by the Governor.

AI-generated summary using openai/gpt-5-nano on Feb 25, 2026. May contain errors — refer to the official bill text for accuracy.

Subjects

Insurance