All Roll Calls
Yes: 190 • No: 0
IllinoisSB2838104th General Assembly (2025–2026)SenateWALLET
INS-HEARING CARE PLAN
Sponsored By: Julie A. Morrison (Democratic)
Signed by Governor
Summary
Amends the Illinois Insurance Code to create the Hearing Care Plan Contracts Article. Provides that no hearing care organization that issues, delivers, amends, or renews a hearing care plan on or after the effective date of the amendatory Act shall issue a contract that requires a hearing instrument professional, as a condition of participation in the hearing care plan, to provide items or services to an enrollee at a fee set by the hearing care plan unless the items and services are covered items or covered services under the hearing care plan. Exempts de minimis reimbursements. Establishes notice and disclosure provisions for a hearing instrument professional who chooses not to accept as payment an amount set by a hearing care plan for items and services that are not covered and other hearing care plan contract requirements. Provides that, beginning on January 1, 2027, to conduct business in the State, a hearing care organization must register with the Department of Insurance and submit the specified registration materials. Requires the registrant to report any specified change in information to the Department in writing within 60 days after the change occurs. Sets forth provisions concerning issuance and expiration of a registration certificate. Grants the Department of Insurance rulemaking authority over the registration provisions. Amends the Consumer Fraud and Deceptive Business Practices Act to make it an unlawful practice under the meaning of the Act for any person to violate the Hearing Plan Contracts Article of the Illinois Insurance Code. Effective January 1, 2027.
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 2 benefits, 0 costs, 1 mixed.
Hearing protections apply across plans
Beginning January 1, 2027, these hearing protections apply across more plan types. HMOs and limited health service organizations must follow the hearing plan rules. Plan administrators and any subcontractors that supply items or services to providers must also follow them. This extends the same disclosures, notices, and reimbursement rules to those groups.
Clear hearing plan prices and benefits
Beginning January 1, 2027, hearing plans must give written materials that show what is covered and what is not. Plans cannot call a discount a funded benefit. They must list exact cost-sharing for in-network and out-of-network care, and show exact discount amounts by preferred provider. If a hearing aid maker owns the plan and sells aids through it, the plan must say so and list which prescription models it offers. Very small reimbursements do not have to be listed.
New rules for noncovered hearing care
Beginning January 1, 2027, hearing plans cannot force providers to take plan-set prices for items or services the plan does not cover. If your provider will not take the plan’s fee for a noncovered item or service, they must post a clear notice or give you a written cost estimate. This applies before a fitting, after one year from the first fitting, or after allowed visits are used up. If your plan includes routine hearing tests for fitting or adjusting a hearing aid, the test must be paid even if you do not buy the aid; the plan, you, or both can pay.
Sponsors & Cosponsors
Sponsor
Julie A. Morrison
Democratic • Senate
Cosponsors
Camille Y. Lilly
Democratic • House
Cristina Castro
Democratic • Senate
Dagmara Avelar
Democratic • House
Matt Hanson
Democratic • House
Rita Mayfield
Democratic • House
Roll Call Votes
House vote • 5/21/2026
Third Reading - Short Debate - Passed
Yes: 108 • No: 0
House vote • 5/5/2026
Do Pass / Short Debate Insurance Committee;
Yes: 15 • No: 0
Senate vote • 4/16/2026
Third Reading - Passed;
Yes: 57 • No: 0
Senate vote • 3/11/2026
Do Pass as Amended Insurance;
Yes: 10 • No: 0
Actions Timeline
Public Act . . . . . . . . . 104-0636
7/24/2026SenateEffective Date January 1, 2027
7/24/2026SenateGovernor Approved
7/24/2026SenateSent to the Governor
6/18/2026SenateAdded as Co-Sponsor Sen. Cristina Castro
5/30/2026SenateAdded Alternate Co-Sponsor Rep. Dagmara Avelar
5/22/2026HouseAdded Alternate Co-Sponsor Rep. Matt Hanson
5/21/2026HousePassed Both Houses
5/21/2026SenateThird Reading - Short Debate - Passed 108-000-000
5/21/2026HouseAdded Alternate Co-Sponsor Rep. Camille Y. Lilly
5/20/2026HousePlaced on Calendar Order of 3rd Reading - Short Debate
5/19/2026HouseSecond Reading - Short Debate
5/19/2026HousePlaced on Calendar 2nd Reading - Short Debate
5/6/2026HouseDo Pass / Short Debate Insurance Committee; 015-000-000
5/5/2026HouseAssigned to Insurance Committee
4/27/2026HouseReferred to Rules Committee
4/17/2026HouseFirst Reading
4/17/2026HouseChief House Sponsor Rep. Rita Mayfield
4/17/2026HouseArrived in House
4/17/2026HouseThird Reading - Passed; 057-000-000
4/16/2026SenatePlaced on Calendar Order of 3rd Reading ** April 15, 2026
4/14/2026SenatePlaced on Calendar Order of 3rd Reading April 15, 2026
4/14/2026SenateSecond Reading
4/14/2026SenatePlaced on Calendar Order of 2nd Reading March 12, 2026
3/11/2026SenateDo Pass as Amended Insurance; 010-000-000
3/11/2026Senate
Bill Text
Engrossed
Enrolled
Introduced
Senate Amendment 1
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