SB2405Introduced in the Senate
INS-SURPRISE BILL PROTECT
Introduced by Ram Villivalam, District 8
What does this bill do?
Plain-English breakdown
Writing a plain-English summary of this bill… this can take a few seconds the first time.
Official description
Amends the Illinois Insurance Code to create the Consumer Protection from Surprise Health Care Billing Act. Provides that, on or after July 1, 2025, notwithstanding any other applicable provision, when a beneficiary, insured, or enrollee receives services from a nonparticipating ground ambulance service provider, the health insurance issuer shall ensure that the beneficiary, insured, or enrollee shall incur no greater out-of-pocket costs than the beneficiary, insured, or enrollee would have incurred with a participating ground ambulance service provider. Provides that any cost-sharing requirements shall be applied as though the services provided by the nonparticipating ground ambulance service provider had been provided by a participating ground ambulance service provider. Sets forth provisions concerning payment for ground ambulance services; calculating the recognized amount; limitations for the cost sharing amount for any occurrence in which a ground ambulance service is provided to a beneficiary; appeals for payments made by health insurance issuers; the maximum allowable payment amounts, by individual service types, for nonparticipating ground ambulance service providers owned, operated, or controlled by a private organization; and payments to nonparticipating ground ambulance service providers owned, operated, or controlled, by a unit of government which participates in the Ground Emergency Medical Transportation program administered by the Department of Healthcare and Family Services. Makes conforming changes. Provides that the failure by a health insurance issuer to comply with the specified requirements constitutes an unlawful practice under the Consumer Fraud and Deceptive Business Practices Act and enforcement authority is granted to the Attorney General. Amends the Health Maintenance Organization Act and the Consumer Fraud and Deceptive Business Practices Act to make corresponding changes. Effective July 1, 2025.
Where it stands
Senate Floor Amendment No. 3 Pursuant to Senate Rule 3-9(b) / Referred to Assignments
July 2, 2025
How did lawmakers vote?
SenateStage: Senate Insurance Committee · May 20, 2025
13
Yes
0
No
1
Absent or Not Voting
14 senators recorded in this Senate vote. Colors show vote categories only, not whether a vote was good or bad.
What do people think?
Citizen Voice
How would you vote on this bill?
An unofficial public opinion poll. It does not affect the bill or the official vote.
One response per device. Location is self-reported and not verified. Results are informal and not a scientific survey.
See how each senator voted
| Senator | District | Vote |
|---|---|---|
| Laura Fine | 9 | Yes |
| Willie Preston | 16 | Not Voting |
| William Cunningham | 18 | Yes |
| Laura Ellman | 21 | Yes |
| Cristina Castro | 22 | Yes |
| Suzanne Glowiak Hilton | 23 | Yes |
| Mark Walker | 27 | Yes |
| Julie Morrison | 29 | Yes |
| Dave Syverson | 35 | Yes |
| Michael Halpin | 36 | Yes |
Bill history
Filed with Secretary by Sen. Ram Villivalam
First Reading
Referred to Assignments
Added as Chief Co-Sponsor Sen. Graciela Guzmán
Assigned to Insurance
Added as Co-Sponsor Sen. Laura Fine
Added as Co-Sponsor Sen. Cristina Castro
Postponed - Insurance
Added as Co-Sponsor Sen. Sara Feigenholtz
Added as Co-Sponsor Sen. Bill Cunningham
Added as Co-Sponsor Sen. Willie Preston
Added as Co-Sponsor Sen. Robert Peters
Rule 2-10 Committee Deadline Established As April 4, 2025
Added as Co-Sponsor Sen. Suzy Glowiak Hilton
Added as Co-Sponsor Sen. Napoleon Harris III
Do Pass Insurance; 012-000-000
Placed on Calendar Order of 2nd Reading April 3, 2025
Added as Chief Co-Sponsor Sen. Willie Preston
Added as Co-Sponsor Sen. Mike Porfirio
Added as Co-Sponsor Sen. Celina Villanueva
Added as Co-Sponsor Sen. Javier L. Cervantes
Added as Co-Sponsor Sen. Mike Simmons
Added as Co-Sponsor Sen. Mary Edly-Allen
Added as Co-Sponsor Sen. Adriane L. Johnson
Added as Co-Sponsor Sen. Rachel Ventura
Added as Co-Sponsor Sen. Karina Villa
Added as Co-Sponsor Sen. Robert F. Martwick
Added as Co-Sponsor Sen. Linda Holmes
Added as Co-Sponsor Sen. David Koehler
Senate Floor Amendment No. 1 Filed with Secretary by Sen. Ram Villivalam
Senate Floor Amendment No. 1 Referred to Assignments
Second Reading
Placed on Calendar Order of 3rd Reading April 10, 2025
Added as Co-Sponsor Sen. Doris Turner
Added as Co-Sponsor Sen. Michael W. Halpin
Added as Co-Sponsor Sen. Michael E. Hastings
Added as Co-Sponsor Sen. Mattie Hunter
Added as Co-Sponsor Sen. Chapin Rose
Rule 2-10 Third Reading Deadline Established As May 9, 2025
Added as Co-Sponsor Sen. Erica Harriss
Senate Floor Amendment No. 1 Assignments Refers to Insurance
Added as Co-Sponsor Sen. Lakesia Collins
Senate Floor Amendment No. 2 Filed with Secretary by Sen. Ram Villivalam
Senate Floor Amendment No. 2 Referred to Assignments
Rule 2-10 Third Reading Deadline Established As May 23, 2025
Senate Floor Amendment No. 2 Assignments Refers to Insurance
Senate Floor Amendment No. 3 Filed with Secretary by Sen. Ram Villivalam
Senate Floor Amendment No. 3 Referred to Assignments
Senate Floor Amendment No. 3 Assignments Refers to Insurance
Added as Co-Sponsor Sen. Terri Bryant
Added as Co-Sponsor Sen. John F. Curran
Senate Floor Amendment No. 3 Recommend Do Adopt Insurance; 013-000-000
Added as Co-Sponsor Sen. Seth Lewis
Rule 2-10 Third Reading Deadline Established As June 1, 2025
Added as Co-Sponsor Sen. Chris Balkema
Rule 3-9(a) / Re-referred to Assignments
Senate Floor Amendment No. 1 Pursuant to Senate Rule 3-9(b) / Referred to Assignments
Senate Floor Amendment No. 2 Pursuant to Senate Rule 3-9(b) / Referred to Assignments
Senate Floor Amendment No. 3 Pursuant to Senate Rule 3-9(b) / Referred to Assignments
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