Texas Insurance Commissioner Mike Geeslin has signed an order that will prohibit the use of discretionary clauses in certain insurance policy forms and HMO evidence of coverage an insurance policy clause that he called unjust and deceptive.
The order takes effect on February 1 for disability income insurance, and on June 1 for all other forms of health, life and disability insurance policies issued in Texas.
A copy of the rules can be found at: http://www.tdi.state.tx.us/rules/2010/documents/3.1201-3.1203.pdf