PlainBillCongress, translated.Legislation. Context. Public interest.Sponsor introductory remarks on measure. (CR S2687-2688)
Congressional Research Service
Version 00 · Introduced in Senate · Mar 9, 1993
Long-Term Care Insurance Consumer Protection Act of 1993 - Amends title XIX (Medicaid) of the Social Security Act to afford Federal consumer protection to purchasers of long-term care insurance policies by requiring that before such policies may be issued or sold they must have been either certified by the Secretary of Health and Human Services as meeting the minimum Federal standards and requirements established by this Act or approved under a State regulatory program. Requires the Secretary to promulgate such standards incorporating the requirements of this Act, unless the National Association of Insurance Commissioners (NAIC) does so first. Outlines requirements for State regulatory programs. Provides for regulation of the marketing of long-term care insurance policies by establishing prohibitions on certain sales practices, such as high pressure tactics, and on sales to Medicaid beneficiaries and sales of duplicate service benefit policies. Outlines general requirements for long-term care insurance policies. Imposes requirements on issuers of long-term care insurance policies with respect to: (1) policy mailing after approval; (2) information for policyholders and the Secretary and appropriate State officials on denied claims; and (3) medical assessments for elderly applicants with policies whose issue is not guaranteed. Sets forth civil penalties for violations involving unapproved or uncertified policies and prohibited sales practices. Requires reports by the Secretary to the Congress on functional ability assessment tools and solvency protections for issuers. Requires a study by the Secretary to develop a standard measure of value for long-term care insurance policies. Amends the Omnibus Budget Reconciliation Act of 1990 to increase funding for long-term care insurance information, counseling, and assistance.
People & committees
Sen. Pryor, David H. [D-AR] · D–AR
Legislative record
A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.
Sponsor introductory remarks on measure. (CR S2687-2688)
Read twice and referred to the Committee on Finance.
Sponsor introductory remarks on measure. (CR S2554-2556)
Introduced in Senate
Primary sources
Text links open the official source. We currently store references to these documents.
No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.
Source last updated: Aug 26, 2025. Consult Congress.gov for the current record.
AI Conversation Starters
Choose a perspective, copy a prompt, and paste it into your preferred AI. Each prompt includes the bill version and available official source links, and asks for counterarguments as well as supporting evidence.
Analyze S.538 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.
Examine S.538 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.
Examine S.538 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.
Examine S.538 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.