Common Sense Patients' Bill of Rights Act
Title I: Patients' Bill Of Rights - Subtitle A: Right Advice and Care - Establishes patients' rights to medical advice and care (under ERISA, PHSA, and IRC).
Subtitle B: Right to Information About Plans And Providers - Establishes patients' rights to information about plans and providers.
Subtitle C: Right To Hold Health Plans Accountable - Establishes patients' rights to hold health plans accountable.
Subtitle D: State Flexibility in Applying Requirements to Health Insurance Issuers - Provides for State flexibility in applying requirements to health insurance issuers.
Subtitle E: Effective Dates; Coordination in Implementation; Miscellaneous Provisions - Provides for coordination in implementation.
Title II: Remedies - Amends ERISA to provide for: (1) availability of, and limitations on, court remedies relating to medically reviewable determinations and timely review of claims; and (2) expanded court remedies relating to group health plan determinations that are not medically reviewable.
Title III: Health Care Coverage Access Tax Incentives - Amends the IRC with respect to medical savings accounts (MSAs) to: (1) repeal certain limitations on availability; (2) expand availability beyond employees of small employers and self-employed individuals; (3) increase the amount of allowable tax deduction for contributors; (4) allow both employers and employees to contribute; (5) reduce permitted deductibles under high-deductible heath plans, but provide for cost-of-living adjustments; (6) allow MSAs to be offered under cafeteria plans; and (7) direct the Comptroller General to study and report on the impact of MSAs on the cost of conventional insurance.
Allows a tax deduction for 100 percent of the health insurance costs of self-employed individuals.
Title IV: Health Care Paperwork - Establishes the Health Care Panel to Devise a Uniform Explanation of Benefits to devise a single form for use by third-party health care payers for remittance of claims to providers.
Referred to the Subcommittee on Health and Environment.