INSURANCE DEPARTMENT: Provides for the authority of the Department of Insurance in instances of fraud. (gov sig) (EG NO IMPACT See Note)

Senate Bill 199 clarifies and expands the authority of the Department of Insurance concerning individuals or entities not licensed by the department who are believed to be engaging in the business of insurance and committing unfair trade practices. The bill empowers the Commissioner of Insurance to issue cease and desist orders, impose fines, or take other actions against such unlicensed persons. It also establishes a process for these unlicensed individuals or entities to appeal the commissioner's decisions to a district court for a new review. Filing an appeal generally pauses the commissioner's action, unless a court determines it would harm the public. Additionally, the bill clarifies that lawfully practicing law or assisting patients with healthcare prior authorizations and appeals are not considered part of the "business of insurance."