Amend SB 23 by inserting the following new ARTICLE to the 
bill, appropriately numbered, and renumbering subsequent ARTICLES 
of the bill accordingly:

ARTICLE ____.LIFETIME BENEFITS FOR CERTAIN MEDICAL CONDITIONS
	SECTION ____.01.  Subtitle E, Title 8, Insurance Code, is 
amended by adding Chapter 1377 to read as follows:

CHAPTER 1377.  MAXIMUM LIFETIME BENEFITS FOR ACUTE OR CHRONIC 
MEDICAL CONDITIONS
	Sec. 1377.001.  APPLICABILITY OF CHAPTER.  (a)  This chapter 
applies only to a health benefit plan that provides benefits for 
medical or surgical expenses incurred as a result of a health 
condition, accident, or sickness, including an individual, group, 
blanket, or franchise insurance policy or insurance agreement, a 
group hospital service contract, or an individual or group evidence 
of coverage or similar coverage document that is offered by:
		(1)  an insurance company;                                             
		(2)  a group hospital service corporation operating 
under Chapter 842;
		(3)  a fraternal benefit society operating under 
Chapter 885;        
		(4)  a stipulated premium company operating under 
Chapter 884;       
		(5)  an exchange operating under Chapter 942;                          
		(6)  a health maintenance organization operating under 
Chapter 843;  
		(7)  a multiple employer welfare arrangement that holds 
a certificate of authority under Chapter 846; or
		(8)  an approved nonprofit health corporation that 
holds a certificate of authority under Chapter 844.
	(b)  This chapter applies to group health coverage made 
available by  a school district in accordance with Section 22.004, 
Education Code.
	(c)  Notwithstanding Section 172.014, Local Government Code, 
or any other law, this chapter applies to health and accident 
coverage provided by a risk pool created under Chapter 172, Local 
Government Code.
	(d)  Notwithstanding any provision in Chapter 1551, 1575, 
1579, or 1601 or any other law, this chapter applies to:
		(1)  a basic coverage plan under Chapter 1551;                         
		(2)  a basic plan under Chapter 1575;                                  
		(3)  a primary care coverage plan under Chapter 1579; 
and            
		(4)  basic coverage under Chapter 1601.                                
	(e)  Notwithstanding any other law, a standard health 
benefit plan provided under Chapter 1507 must provide the coverage 
required by this chapter.
	(f)  Notwithstanding Section 1501.251 or any other law, this 
chapter applies to coverage under a small employer health benefit 
plan subject to Chapter 1501.
	Sec. 1377.002.  EXCEPTION.  This chapter does not apply to:             
		(1)  a plan that provides coverage:                                    
			(A)  for wages or payments in lieu of wages for a 
period during which an employee is absent from work because of 
sickness or injury;
			(B)  as a supplement to a liability insurance 
policy;               
			(C)  for credit insurance;                                            
			(D)  only for dental or vision care;                                  
			(E)  only for hospital expenses; or                                   
			(F)  only for indemnity for hospital confinement;                     
		(2)  a Medicare supplemental policy as defined by 
Section 1882(g)(1), Social Security Act (42 U.S.C. Section 1395ss);
		(3)  a workers' compensation insurance policy;                         
		(4)  medical payment insurance coverage provided under 
a motor vehicle insurance policy; or
		(5)  a long-term care policy, including a nursing home 
fixed indemnity policy, unless the commissioner determines that the 
policy provides benefit coverage so comprehensive that the policy 
is a health benefit plan as described by Section 1377.001.
	Sec. 1377.003.  MAXIMUM LIFETIME BENEFIT.  A health benefit 
plan that limits the maximum lifetime benefit applicable to an 
acute or chronic medical condition of an individual covered under 
the plan to a specified dollar amount may not limit the benefit to 
an amount less than $5 million.
	Sec. 1377.004.  RULES.  The commissioner may adopt rules in 
accordance with Subchapter A, Chapter 36, as necessary to implement 
this article.  The rules may specify the types of acute or chronic 
medical conditions to which the restriction of Section 1377.003 
applies.
	SECTION ____.02.  Section 1506.151, Insurance Code, is 
amended by adding Subsection (d) to read as follows:
	(d)  Coverage provided by the pool is subject to Chapter 
1377.        
	SECTION ____.03.  This article applies only to a health 
benefit plan delivered, issued for delivery, or renewed on or after 
January 1, 2008.  A health benefit plan delivered, issued for 
delivery, or renewed before January 1, 2008, is governed by the law 
as it existed immediately before the effective date of this Act, and 
that law is continued in effect for that purpose.