Prohibits insurers from selling policies of insurance which duplicate existing coverage relative to long term health care policies

This bill amends state insurance law to prevent insurers from selling new long-term care insurance policies that duplicate coverage a person already has. It directly affects insurance companies selling long-term care policies and policyholders who might otherwise purchase redundant coverage. The key provision requires insurers to verify existing coverage before issuing a new policy, ensuring new policies only provide additional benefits not already in force. The law takes effect immediately upon passage.