--- title: Senate Insurance and Labor Committee, February 5, 2026 collection: meetings id: 2026-02-05/senate-insurance-and-labor cite_as: Senate Insurance and Labor Committee, February 5, 2026, video https://vimeo.com/1162303620 (machine transcript by Georgia Commons) canonical_url: https://georgiacommons.org/meetings/2026-02-05/senate-insurance-and-labor md_url: https://georgiacommons.org/meetings/2026-02-05/senate-insurance-and-labor.md text_url: https://georgiacommons.org/meetings/2026-02-05/senate-insurance-and-labor/text source_url: https://vimeo.com/1162303620 date: 2026-02-05 status: machine transcript corpus_version: meetings-2026-10-23-8c15ead0f18d license: Machine transcript and summaries by Georgia Commons from the General Assembly's public video; the video stays on the General Assembly's Vimeo channel; see about.md publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice. up: https://georgiacommons.org/meetings/2026-02-05.md previous: https://georgiacommons.org/meetings/2026-02-05/house-state-properties.md next: https://georgiacommons.org/meetings/2026-02-05/house-judiciary-non-civil.md index: https://georgiacommons.org/meetings/index.md chamber: Senate body: Senate Insurance and Labor Committee body_url: https://georgiacommons.org/meetings/senate-insurance-and-labor.md meeting_kind: committee session: 2025-2026 Regular Session start_time: 2026-02-05T16:00:00-05:00 location: MEZZ 1 duration_seconds: 3699.0 video_id: 1162303620 video_title: 02/05/2026 Senate Committee on Insurance and Labor agenda_url: https://www.legis.ga.gov/api/document/agendas/senate/ILAgenda2.5.26.pdf bills_discussed: - SB 409 - SB 444 summaries_model: gpt-6.1-sol transcript_turns: 273 --- # Senate Insurance and Labor Committee, February 5, 2026 Senate Insurance and Labor Committee; February 5, 2026; 2025-2026 Regular Session. Video, on the General Assembly's Vimeo channel: https://vimeo.com/1162303620. Agenda: https://www.legis.ga.gov/api/document/agendas/senate/ILAgenda2.5.26.pdf. > This is a machine transcript of the General Assembly's video, made by a speech-recognition model. It is not an official record and can mishear words, names, and numbers. Speakers are not identified. The video is the record: every timestamp links to the moment it plays. ## Summary written by Georgia Commons Written by gpt-6.1-sol from the transcript below. It is not part of the record. Quote the transcript or the video, not the summary. The committee approved two bills addressing insurers’ use of technology. [SB 409](https://georgiacommons.org/bills/2025-2026/sb409) would require insurers to share dated aerial or satellite images used to make unfavorable homeowners insurance decisions and explain how customers could address the problems identified. The committee approved an amendment concerning the quality of images submitted by property owners, then approved the amended bill. [SB 444](https://georgiacommons.org/bills/2025-2026/sb444) would prevent artificial intelligence from being the sole basis for denying coverage for health care services and require review by a clinical peer. Members discussed consumer notification, privacy, renewal deadlines and possible discrimination. The committee approved [SB 444](https://georgiacommons.org/bills/2025-2026/sb444) by a 6–1 vote and sent it to Rules. ## Bills discussed (2) Each account was written by gpt-6.1-sol from the stretch of the transcript it names. The bill's number is said in that stretch, unless it was the only bill on a committee's agenda. ### SB 409. "Insurers' Use of Aerial or Satellite Images Act"; enact [SB 409](https://georgiacommons.org/bills/2025-2026/sb409) (2025-2026 Regular Session). From [0:23:18](https://vimeo.com/1162303620#t=1398s), turns 10 to 216. The sponsor said [SB 409](https://georgiacommons.org/bills/2025-2026/sb409) responds to complaints that insurers use aerial images to refuse homeowners policy renewals without showing customers the alleged problems. The sponsor said insurers making unfavorable coverage decisions would have to provide dated images taken within nine months, explain corrective steps and follow the existing 60-day nonrenewal notice requirement. The sponsor said the bill would preserve insurers’ ability to use images while giving customers evidence and an opportunity to address problems. One member questioned privacy protections and whether customers should receive notice that imagery is being used. The sponsor said the practice already occurs, and two other members said the Fourth Amendment applies to government searches rather than private insurers. Asked about late notices, the sponsor said insurers missing the 60-day deadline would have to renew coverage for another year. Another member asked whether customers could know renewal prices before paying for repairs. The sponsor said filed rates limit insurers’ pricing discretion and prices could be provided when renewal processing is sufficiently advanced. After the chair questioned image-quality requirements, the sponsor offered an amendment allowing property owners’ images to have equal or greater resolution and quality, rather than the same. The committee approved the amendment and amended bill by hand votes; no numerical totals were stated. ### SB 444. Private Review Agents; certain decisions with regard to the provision of insurance coverage for healthcare services shall not be based solely on artificial intelligence systems; provide [SB 444](https://georgiacommons.org/bills/2025-2026/sb444) (2025-2026 Regular Session). From [1:00:11](https://vimeo.com/1162303620#t=3611s), turns 265 to 272. The sponsor said [SB 444](https://georgiacommons.org/bills/2025-2026/sb444) would allow artificial intelligence to help process requests for advance approval of medical care, but prohibit its use as the sole basis for an unfavorable coverage decision. The sponsor said a clinical peer would need to review the case before a denial, and that reviewer’s decision would prevail. The sponsor described the goal as speeding a time-consuming process while ensuring the full medical record is considered. One member asked whether patients should be notified when artificial intelligence is used. The sponsor offered to consider the issue but questioned where notification would fit, explaining that providers generally communicate with insurers and that a denial would not be made solely by artificial intelligence. The same member raised concerns about discriminatory algorithms and pricing. The sponsor responded that the bill concerns medical necessity, not pricing, and emphasized human review before a final denial. The chair described that review as a patient protection. No amendment was offered. The committee approved the bill 6–1, and the chair announced that it would go to Rules. ## Transcript (273 turns) [0:21:50](https://vimeo.com/1162303620#t=1310s) Uh, my first time to be chairman, as my vice chairman has been promoted as the president pro tem, and, uh, we are, uh, grateful for him taking over that duty. And so, uh, this'll be fun. But I've been watching his leadership and learning from him, so I'm, I'm, I'm ready and prepared, and I will run from that standpoint as we get started today. [0:22:11](https://vimeo.com/1162303620#t=1331s) Thank you. [0:22:12](https://vimeo.com/1162303620#t=1332s) Uh, if we will, uh, if you'll take just a moment to bow, and we're gonna turn on your mic, um, what are you- [0:22:19](https://vimeo.com/1162303620#t=1339s) Three. [0:22:19](https://vimeo.com/1162303620#t=1339s) Number three. And if you'd give us a word of prayer, and then we will get s- started. [0:22:27](https://vimeo.com/1162303620#t=1347s) Okay. [0:22:28](https://vimeo.com/1162303620#t=1348s) All right. Thank you, sir. [0:22:29](https://vimeo.com/1162303620#t=1349s) Thank you, Mr. Chairman. Dear Heavenly Father, we humbly approach you this afternoon as your servant, Lord God, and we ask that you open our hearts and our minds as we hold these meetings today, Lord God. Uh, give us the wisdom we need to make the right decisions for those we serve. We ask these things in the precious name of your Son, our Lord and Savior, Jesus Christ. Amen. [0:22:48](https://vimeo.com/1162303620#t=1368s) Thank you, sir. Appreciate it. All right. Well, we have already adopted rules, things of that nature, so I'm gonna get us started. And, and, you know, um, it, it's, it's a privilege to open back up to my now Vice Chair Pro Tem. How should I address you while we're doing this? Should you wanna be pro t- [0:23:06](https://vimeo.com/1162303620#t=1386s) Senator is fine. [0:23:06](https://vimeo.com/1162303620#t=1386s) We'll just call you, call you pro tem, okay, as far as that. And, uh, you're gonna bring to us a bill, it looks like. Um, uh, bill number is, um, SB 409. Sounds like a bill that you ought to clean up with. Uh, and, uh, LC 46-1260. You wanna do that from here, sir? [0:23:28](https://vimeo.com/1162303620#t=1408s) Your pleasure, Chairman. I'm happy to do it from there or here, whatever you think- [0:23:31](https://vimeo.com/1162303620#t=1411s) Since it will save time, I'll let you save and stay here. How about that? [0:23:36](https://vimeo.com/1162303620#t=1416s) That's fine. [0:23:36](https://vimeo.com/1162303620#t=1416s) And you are- [0:23:37](https://vimeo.com/1162303620#t=1417s) Eight [0:23:37](https://vimeo.com/1162303620#t=1417s) ... eight. So it is in your power, sir. [0:23:41](https://vimeo.com/1162303620#t=1421s) Well, good afternoon, and congratulations on your chairmanship, Senator Harbin. I know you're gonna do a great job. You've been a great member of this committee for a long time. Um, so I'm Larry Walker, and I'm an independent insurance agent in Perry, Georgia. In April, I will have been in business for 30 years. Uh, we sell a lot of home and auto insurance. We sell business insurance also. But this, this relates to homeowners insurance. [0:24:14](https://vimeo.com/1162303620#t=1454s) Um, in the almost 30 years I've been in business, really, I've never seen a market, uh, as difficult as we've seen the last maybe five years, uh, really particularly the last three years. I will say that the lawsuit reform that we passed last year in this, uh, legislature, and the governor signed, um, has already started making a, uh, marked improvement on not only rates, but on the appetite of insurance companies. [0:24:50](https://vimeo.com/1162303620#t=1490s) But in the last three or four years, because I was chairing this committee, I was getting calls from insurance agents across the state, uh, telling me that they were experiencing where insurance companies were using what we'll call aerial, aerial photography, aerial imagery to underwrite homeowners insurance and inspect, r- look at, uh, the roofs on homes and the surrounding property of the, of the house. [0:25:24](https://vimeo.com/1162303620#t=1524s) Um, you know, it could be trampolines, swimming pools, that kind of thing. And with all the technology, as it changes, uh, they're using this as a custom- customary underwriting practice. And they would notify their insured, which they have to do by statute, that they're gonna non-re- if they're gonna non-renew a policy. So they would notify their insured, and that they were gonna non-renew 'em for underwriting reasons. [0:25:56](https://vimeo.com/1162303620#t=1556s) And as, if the agent or the insured inquired, uh, um, you know, "Well, your roof is discolored," uh, or, "Your, you have some missing shingles on your roof," or, "You have a tree growing too close to your house and the limbs are overhanging your roof. We feel like that's a hazard." Um, you know, or, or just all kind of various reasons to non-renew the policy. And the frustration that I was hearing from the agents that called me, and I had experienced this some in my agency too, is there was really no, uh, like, you know, the customer might say, "Well, my roof's only two years old or five years old. [0:26:42](https://vimeo.com/1162303620#t=1602s) What are you talking about?" And of course, the customer can't really see their roof. Um, and the insurance company was not required to provide them a copy of the image or the photograph and really, really to explain much of anything. And so I just felt like it was an area where technology had advanced and the s- the, the consumer protection measures that we have on the books really hadn't k- kept up. [0:27:12](https://vimeo.com/1162303620#t=1632s) And I felt like it was not fair to non-renew somebody's homeowners insurance without at least showing them evidence of why you're non-renewing them, like show 'em the picture. And so during, while all this was happening, and I would go to some independent insurance agents conferences and hear other agents talk about it, I also got involved with the National Council of Insurance Legislators. Um, and this was a topic of conversation from legisla- insurance, members of that organization. [0:27:46](https://vimeo.com/1162303620#t=1666s) A lot of them are insurance agents, but not all of them. Um, but they generally serve on their insurance committee at their state So this was a problem they were seeing nationwide really, or a new pra- kind of a new practice. Um, mostly, from my understanding, mostly what they're using is either satellite imagery or fixed-wing aircraft imagery. It's really not, uh, as big a practice, at least right now, of u- They're not really using drones, but they could use drones too. [0:28:20](https://vimeo.com/1162303620#t=1700s) Um, so we worked at NCIL to try to c- create a model, what we call model legislation, working with the industry partners, working with the insurance companies, getting input from, uh, all the stakeholders to try to give some transparency and consumer protection in the event that you're gonna be non-renewed. You should at least be provided with a copy of the picture that says there's a problem. Uh, the picture needs to be date stamped so that you, you know, you're not using a two or three-year-old picture, um, 'cause you could have... [0:28:53](https://vimeo.com/1162303620#t=1733s) You know, maybe that problem wasn't even there. Maybe you've already remedied, remedied the problem if it was a real old picture. Um, and, uh, and then give, put some... So it's gotta... So I came up with this bill, and if this were to pass, the insurance company, if they take what w- I would call, what we call an adverse underwriting decision, meaning they're gonna, uh, non-renew your insurance or gonna decline to offer you coverage or they're gonna reduce your coverage or surcharge your policy, they have to proactively then, with that non-renewal notice, 'cause they're sending you that anyway, they've gotta send with it a picture of why, of what the problem is. [0:29:43](https://vimeo.com/1162303620#t=1783s) Uh, and it's gotta be within nine months of the non-renewal decision, and it can't be cl- a shorter timeframe than the 60-day non-renewal statute that we ex- you know, extended it to 60 days last year, the non-renewal. So, um, just to give some customer, uh, transparency and give the customer a clear idea of what it would, what the problem is and give them a chance to address the problem and hopefully get the company to resend the non-renewal or the surcharge or, or whatever it is. [0:30:21](https://vimeo.com/1162303620#t=1821s) So it's pretty straightforward, I think. Um, we tried to, um, you know, had a lot of people look at this, try to get the language right, try to craft a real good bill that won't make it so hard to do business in Georgia that insurance companies are gonna back away from wanting to write homeowners insurance, 'cause we sure don't want that, but, uh, give the consumer an opportunity to know what the issue is and a chance to address it and keep their insurance. [0:30:55](https://vimeo.com/1162303620#t=1855s) So that's, that's the bill, Mr. Chairman, and I'll be happy to answer any questions if there are any. [0:31:01](https://vimeo.com/1162303620#t=1861s) Okay. We are lighting up the board here. Look like we have some questions here. Uh, Representative Merritt on, on item 10, I believe. [0:31:09](https://vimeo.com/1162303620#t=1869s) Yeah. Thank you, Mr. Chairman. Uh, a couple of questions. I, I know we're all trying to keep up with technology, and I think, uh, that's the purpose of this bill, 'cause we can't stop these technologies from happening, but we also wanna make sure they are protecting, I guess, the consumer at the, at the end, end of it all. So, um, the current underwriting policies or the underwriting procedure, th- would using aerial type surveillance, does that comply with, like, underwriting, like, current policies and rules? [0:31:39](https://vimeo.com/1162303620#t=1899s) There's no, no, there's no prohibition in law for them to use aerial imagery to underwrite the risk, and this does not prohibit them from- [0:31:51](https://vimeo.com/1162303620#t=1911s) So none of the guidelines. It wouldn't go against any underwriting guidelines that are currently there. All right. And then my second question is, is there any concern about this being a Four- a Fourth Amendment, um, run into like a Fourth Amendment violation? Because we are using, we are surveilling people and kinda using these images in a way to make a decision about non-compliance. So is there any concern that that could run up into, like, a Fourth Amendment, um, situation? [0:32:18](https://vimeo.com/1162303620#t=1938s) So this, this is a common practice being used currently. [0:32:22](https://vimeo.com/1162303620#t=1942s) Mm-hmm. [0:32:23](https://vimeo.com/1162303620#t=1943s) And I'm trying to put some guardrails to say, "Hey, if you're gonna make a adverse decision against this customer, you've gotta provide them a copy of the picture." Um, I don't know of any case where that's been litigated to say that's a Fourth Amendment, that using aerial imagery is a Fourth Amendment violation. Um, this does not add to that or- [0:32:48](https://vimeo.com/1162303620#t=1968s) Mm-hmm [0:32:48](https://vimeo.com/1162303620#t=1968s) ... or, I mean, I, you know, I'm trying to kinda rein it in a little bit- [0:32:51](https://vimeo.com/1162303620#t=1971s) Right [0:32:51](https://vimeo.com/1162303620#t=1971s) ... with this legislation, so I don't think that's a concern. [0:32:55](https://vimeo.com/1162303620#t=1975s) Okay. [0:32:55](https://vimeo.com/1162303620#t=1975s) But I'm no constitutional scholar. I'm not really even a scholar, period. [0:32:58](https://vimeo.com/1162303620#t=1978s) Yeah, we'd have to put our constitutional folks on that. So one more question, and with that, th- um, are we notifying kind of the consumer end that, yes, we are using these technologies and the insurance companies are using that technology? 'Cause I actually think that is something that may need, should be disclosed to them. [0:33:17](https://vimeo.com/1162303620#t=1997s) Well, have you looked at Google Maps before? And you can s- look at your house, right- [0:33:23](https://vimeo.com/1162303620#t=2003s) Right [0:33:23](https://vimeo.com/1162303620#t=2003s) ... on Go- Google Maps. Did Google notify you that they're taking a picture of your house? I don't know. [0:33:29](https://vimeo.com/1162303620#t=2009s) They're not, but in this case, we are, we are imposing some compliance, and it could affect their insurance. So yes, anybody could pull it, but in this case, I think the insurance companies are making some decisions about how much someone will and will not pay or if they're in compliance, and I... That's just my concern. Yes, anybody can pull it, but when we're talking about companies doing this that are making those type of decisions, that would be a concern. [0:33:53](https://vimeo.com/1162303620#t=2033s) So- I guess I don't follow, Senator, exactly. So they're, they are doing this now- [0:34:01](https://vimeo.com/1162303620#t=2041s) Right [0:34:01](https://vimeo.com/1162303620#t=2041s) ... is what I'm saying. I'm not, like, allowing them by this bill to do this. I'm saying they are. This is the common practice already. Um, a- anybody, you know... A lot of times when I send in a, especially a commercial risk- [0:34:17](https://vimeo.com/1162303620#t=2057s) Mm-hmm [0:34:17](https://vimeo.com/1162303620#t=2057s) ... uh, and say I wanna insure Joe's Bait and Tackle Shop- [0:34:21](https://vimeo.com/1162303620#t=2061s) Right [0:34:21](https://vimeo.com/1162303620#t=2061s) ... on 4th Street, um, the first thing the underwriter does is they go to Google Maps. They pull up that picture. [0:34:29](https://vimeo.com/1162303620#t=2069s) Mm-hmm. [0:34:29](https://vimeo.com/1162303620#t=2069s) They wanna see the property. [0:34:30](https://vimeo.com/1162303620#t=2070s) Mm-hmm. [0:34:31](https://vimeo.com/1162303620#t=2071s) I mean, this is happening. I'm just saying if you- [0:34:33](https://vimeo.com/1162303620#t=2073s) Right. They're using it now. [0:34:34](https://vimeo.com/1162303620#t=2074s) They're- [0:34:34](https://vimeo.com/1162303620#t=2074s) They're using it anyway. They're using Google Maps now. [0:34:36](https://vimeo.com/1162303620#t=2076s) So this does not give them any additional rights to use, uh, what really is public imagery out there in the world. Uh, this is actually saying if you're gonna, if you are gonna use that- [0:34:52](https://vimeo.com/1162303620#t=2092s) Mm-hmm [0:34:52](https://vimeo.com/1162303620#t=2092s) ... then you've got to provide a copy of the picture that you're using to the customer to give them- [0:34:58](https://vimeo.com/1162303620#t=2098s) Mm-hmm [0:34:59](https://vimeo.com/1162303620#t=2099s) ... uh, a chance to see what you're looking at and to address any kind of concerns before you non-renew their insurance. [0:35:06](https://vimeo.com/1162303620#t=2106s) Okay. And probably customers don't know that they're Google Mapping them already. That's just my c- it is out there. Customers might not know, like, "Hey, your insurance is going in-" [0:35:13](https://vimeo.com/1162303620#t=2113s) And I don't mean to just- [0:35:14](https://vimeo.com/1162303620#t=2114s) "... they're using." [0:35:14](https://vimeo.com/1162303620#t=2114s) I shouldn't have used a brand name. [0:35:16](https://vimeo.com/1162303620#t=2116s) Well, y- [0:35:16](https://vimeo.com/1162303620#t=2116s) But I mean, that's just what we- [0:35:18](https://vimeo.com/1162303620#t=2118s) Yeah. [0:35:18](https://vimeo.com/1162303620#t=2118s) I use Google Maps- [0:35:19](https://vimeo.com/1162303620#t=2119s) Yeah [0:35:19](https://vimeo.com/1162303620#t=2119s) ... a lot, so. [0:35:20](https://vimeo.com/1162303620#t=2120s) And, and customers might not know that insurers are doing, doing that, doing that, so that's just my concern. Like, are we even telling people, like, "Hey, we kinda looked you up"? [0:35:26](https://vimeo.com/1162303620#t=2126s) And this is to give them, this is to provide that kind of inf- transparency and information to the customer. This is a good, uh, help in what you're concerned with, I think. [0:35:38](https://vimeo.com/1162303620#t=2138s) I have no more questions. [0:35:39](https://vimeo.com/1162303620#t=2139s) Thank you. [0:35:39](https://vimeo.com/1162303620#t=2139s) All right. Thank you. Senator Roberson. Roberson, I believe you were next. [0:35:43](https://vimeo.com/1162303620#t=2143s) Yeah, I just, I, I think I was right behind my, my mentor, uh, Chairman Cowsert. If, I think he and I may be thinking- [0:35:50](https://vimeo.com/1162303620#t=2150s) You've been on the front lines of, uh, search warrants more often than not, and so I would keep, uh, [0:35:58](https://vimeo.com/1162303620#t=2158s) Yeah. And, and I'm sure the, the good a- the good attorney will correct me if I'm wrong, but I think expectation of privacy comes in there, and we're not talking about the government coming in and using this type of stuff. So I don't think this would be a Fourth Amendment situation, circumstance. Uh, there has to be a lot more involved for this to be a Fourth Amendment violation. And again, I'd, I always yield to the, to the man with the law degree. [0:36:27](https://vimeo.com/1162303620#t=2187s) Um, I would say, unreasonable. I'm a huge privacy advocate. You and I are, uh, kindred spirits on that. But Fourth Amendment applies to the government unreasonable search and seizure, like coming in your house without a warrant. This private action by an insurance company with a Google Map could not be a constitutional violation. Might be a civil tort if the plaintiff's lawyers get ahold of it quick enough that, uh- [0:36:51](https://vimeo.com/1162303620#t=2211s) Yeah. [0:36:52](https://vimeo.com/1162303620#t=2212s) ... you add a little paragraph on here, but that, that, that's not a concern. [0:36:59](https://vimeo.com/1162303620#t=2219s) Um, did you have a follow-up? [0:37:01](https://vimeo.com/1162303620#t=2221s) I did. I did. And, and, and real quick, an example of that is in years past when there were underground marijuana grows, we would use, uh, some of the, some government agencies would use, um, FLIR systems to show heat, or they would use something to measure power usage. But without articulable, uh, probable cause, many of those cases were, were thrown out because of the fact it was a violation of Fourth Amendment. So that would cover that. But, um, my con- my concern, and I, I just wanna be clear on it, if I'm, if I'm 30 days away from my policy renewal and I get this cancellation, and with the appeal process lo- being as long as it is, would they be required to keep my policy moving during the appeal process? [0:37:55](https://vimeo.com/1162303620#t=2275s) No. So, so that's a really good question. So until la- until last year, they could non-renew you with only a 30-day notice. [0:38:06](https://vimeo.com/1162303620#t=2286s) Yep. [0:38:07](https://vimeo.com/1162303620#t=2287s) So as you're coming up to the end of your policy, they only had to give you 30 days before the policy, uh, expiration date to say, "Hey, we're, we're not gonna offer you renewal." Last year, we passed a bill to move that to 60 days. Um, so they can't non-renew you after the 60 day, I mean, within the 60 days. So, um, so this lines up with the 60-day non-renewal statute that we have in, on the books now. Does that- [0:38:37](https://vimeo.com/1162303620#t=2317s) It, it does, but would there be anything preventing them if it's within that 60 days? [0:38:42](https://vimeo.com/1162303620#t=2322s) Yes. [0:38:42](https://vimeo.com/1162303620#t=2322s) That, so- [0:38:43](https://vimeo.com/1162303620#t=2323s) They c- they can't. They would have to renew your policy. [0:38:46](https://vimeo.com/1162303620#t=2326s) Okay. That was, that was my thing. To make- [0:38:47](https://vimeo.com/1162303620#t=2327s) They're on the hook for it for another year. They would have to queue it up to non-renew it the f- next anniversary. [0:38:55](https://vimeo.com/1162303620#t=2335s) Perfect. Thank you. [0:38:57](https://vimeo.com/1162303620#t=2337s) Senator, Senator, Senator Hodges. [0:39:02](https://vimeo.com/1162303620#t=2342s) Thank you, Mr. Chairman. Uh, thank you, Mr. Pro Tem, for bringing this bill. Anything that adds or tries to calm down this insurance market is welcome, I can assure you. But I wanted to ask you about, um, lines, look around line 72, that paragraph. Basically, let's... I'm gonna ask you if this is what happens. Basically, um, they put a drone over my house. They take a look at my roof. [0:39:32](https://vimeo.com/1162303620#t=2372s) They see that they don't like the condition of my roof, so they tell me that they're not gonna renew me, but if I will do these things to the roof, then they will renew me. Okay? I mean, that's what this says, right? [0:39:48](https://vimeo.com/1162303620#t=2388s) Yeah, but it- [0:39:49](https://vimeo.com/1162303620#t=2389s) Yes. [0:39:49](https://vimeo.com/1162303620#t=2389s) Yes, sir. [0:39:49](https://vimeo.com/1162303620#t=2389s) And it says they shall, and then, and then so my question is, um, they're gonna give me a description of the steps that I as the owner may take to reverse their decision. Uh, and the standards that I have to adhere to. And then would I know, is there anything here... They, they tell me that they will renew me if I do this, but we don't know what, what price they'll renew me. Say I'm, I'm at $1,000 right now, and I spend, you know, $2,000 to do what they want me to, to renew me, and then they say, "Okay, and we're gonna renew you, but it's gonna cost you $5,000." [0:40:33](https://vimeo.com/1162303620#t=2433s) Well- [0:40:34](https://vimeo.com/1162303620#t=2434s) Is there anything in here that says, if you tell me what you want me to do to fix the problem that you found in your underwriting, that I have to tell you at what price I'm gonna renew you if you do that, if you take those steps? [0:40:48](https://vimeo.com/1162303620#t=2448s) Well, th- that, that kind of gets into the, the rate filing that the insurance companies have. And, uh, so I guess as a, as a concept of fairness and the reason we have an insurance commissioner and they have to file, insurance companies have to file their rates, um, and a lot of paperwork with that. If we had identical homes, everything was exactly identical, you know- [0:41:17](https://vimeo.com/1162303620#t=2477s) Right [0:41:17](https://vimeo.com/1162303620#t=2477s) ... right next door, the, the, the financial score of the customer, the condition, the age of the home, all that, the square footage, everything was identical, um, the rates are the rates. I mean, they don't- [0:41:31](https://vimeo.com/1162303620#t=2491s) No, no [0:41:31](https://vimeo.com/1162303620#t=2491s) ... they don't, they can't say, "Okay. Well, um, we will renew you, but we're gonna give, we're gonna give you this crazy high rate." They, they don't have the flexibility to price their product that way because they're, they're regulated, and they have the rates that they have to file with the commissioner. [0:41:52](https://vimeo.com/1162303620#t=2512s) Okay. [0:41:53](https://vimeo.com/1162303620#t=2513s) Now, they could take away some discounts if they're giving you any, a discount for a new roof or... I mean, there is some flexibility, but they don't really have just un- They can't just price it randomly like that 'cause it's- [0:42:05](https://vimeo.com/1162303620#t=2525s) So you're telling me that I would have the right to ask at that time. When they say, "We found that your roof needs repair, and this is what we want you to do to it," I can ask them at that time, "Okay, if I do this and you renew it, what's it gonna cost me?" And they have to tell me, and that they can't pull the rug out from under me later on. [0:42:26](https://vimeo.com/1162303620#t=2546s) If they've already filed their rates and, and they've already processed or gotten close to processing the renewal, they'd be able to give you the price. [0:42:35](https://vimeo.com/1162303620#t=2555s) Okay. [0:42:35](https://vimeo.com/1162303620#t=2555s) Yes, sir. Um, we- [0:42:37](https://vimeo.com/1162303620#t=2557s) You see where I'm going? [0:42:37](https://vimeo.com/1162303620#t=2557s) Yeah. [0:42:37](https://vimeo.com/1162303620#t=2557s) I just hate to... [0:42:39](https://vimeo.com/1162303620#t=2559s) So generally, like if an insurance company decides they need to have a rate increase- [0:42:45](https://vimeo.com/1162303620#t=2565s) Yeah [0:42:45](https://vimeo.com/1162303620#t=2565s) ... um, because of whatever, inflation, cost of construction, whatever, a loss, loss claims history a- on their whole book of business, and they have a 8% rate increase, that's spread. Everybody gets an 8% rate increase. [0:43:02](https://vimeo.com/1162303620#t=2582s) Okay. Yeah. [0:43:02](https://vimeo.com/1162303620#t=2582s) They don't give some people 2 'cause they like 'em and- [0:43:05](https://vimeo.com/1162303620#t=2585s) Oh [0:43:05](https://vimeo.com/1162303620#t=2585s) ... some people 15 'cause... I mean, it's, it's filed. It's a filed rate. I might, might not be doing a very good job explaining it, but it's, um... [0:43:16](https://vimeo.com/1162303620#t=2596s) I think you're answering my question. My question basically is if I do, if you tell me to go do this to correct the situation and I go do it and spend the money to do it, I know at what price I'm gonna be able to purchase- [0:43:32](https://vimeo.com/1162303620#t=2612s) Yes, sir [0:43:32](https://vimeo.com/1162303620#t=2612s) ... my renewal. [0:43:33](https://vimeo.com/1162303620#t=2613s) I think so, yes, sir. [0:43:34](https://vimeo.com/1162303620#t=2614s) Okay. Thank you. I appreciate it. [0:43:37](https://vimeo.com/1162303620#t=2617s) Did I... [0:43:38](https://vimeo.com/1162303620#t=2618s) I, sorry. I- [0:43:39](https://vimeo.com/1162303620#t=2619s) You got... [0:43:39](https://vimeo.com/1162303620#t=2619s) Just please jump in. [0:43:40](https://vimeo.com/1162303620#t=2620s) I think I, I, I... Sorry. I, sorry. I found the answer to my question about a timestamp 'cause my next question was just the accuracy o- at images, but I think that has been covered on 72 through 78 and 79 through 86, timestamping and just making sure the quality of in- images are accurate, so. [0:44:00](https://vimeo.com/1162303620#t=2640s) All right. N- I've got a question in that I think that there may be, need a small amendment if you look at this. If you look at lines 72 and 73, it says that the underwriting decision by the insured includes copies of the date stamped aerial images and satellite images that's there. But then if you come down to 83 through 85, this is where submitted by the property owner. So what I see is that we've given them one, now they're gonna come back to... [0:44:31](https://vimeo.com/1162303620#t=2671s) A- a- and it says, um, "Any aerial image or satellite image submitted by the property owner to the insurer shall be of the same resolution and quality." But the 72 through 73 does not talk about resolution or quality. So if the resolution from the insurance carrier is at a 1,200 DPI, and the s- one that the insured sends back is at a 300 DPI, if you will, it would seem like that we need to tell them to give us the resolution so that whatever we send back to them is of the same quality from that standpoint, 'cause especially if you're using aerial type stuff, the resolution makes a difference. [0:45:16](https://vimeo.com/1162303620#t=2716s) Does that make sense, what I'm saying? [0:45:19](https://vimeo.com/1162303620#t=2719s) Mm-hmm. [0:45:20](https://vimeo.com/1162303620#t=2720s) Anybody with me? [0:45:21](https://vimeo.com/1162303620#t=2721s) I, I do. Discrepancy in the images would cause- [0:45:23](https://vimeo.com/1162303620#t=2723s) Yeah. Well, and, and if I'm going to give them a date, I need to say that this image, and I'm looking like if I take satellite images and resolutions is what I would do. That way the insured knows that this is at a 1,200 or 1,500 DPI, whatever the, the resolution is, and that when I send back to them another image, it's gonna be the same resolution. That's the only thing I see that I, I could see a conflict r- you know, what I'm saying. [0:45:51](https://vimeo.com/1162303620#t=2751s) Yeah, sir. So, uh, that's a valid point, I think. What the, what the intent is, is if, if they, if you do repairs or remove a tree or Remedy whatever issue they are, and you want- you need to send them documentation, a picture, um, showing that it, you fixed the problem. [0:46:16](https://vimeo.com/1162303620#t=2776s) Right. [0:46:17](https://vimeo.com/1162303620#t=2777s) They want to be able to ... It can't be just so fuzzy and so- [0:46:20](https://vimeo.com/1162303620#t=2780s) Right [0:46:20](https://vimeo.com/1162303620#t=2780s) ... blurred out that they can't tell what you did, is what I think we're trying to get at there. Um- [0:46:28](https://vimeo.com/1162303620#t=2788s) That's just the only thing I see a, a little bit of a potential- [0:46:31](https://vimeo.com/1162303620#t=2791s) I really don't think the insured is gonna be- [0:46:34](https://vimeo.com/1162303620#t=2794s) Okay [0:46:34](https://vimeo.com/1162303620#t=2794s) ... sending them aerial or satellite images. Um- [0:46:40](https://vimeo.com/1162303620#t=2800s) But they may be- [0:46:40](https://vimeo.com/1162303620#t=2800s) I think they're gonna actually- [0:46:42](https://vimeo.com/1162303620#t=2802s) Okay [0:46:42](https://vimeo.com/1162303620#t=2802s) ... have somebody get up on the roof- [0:46:45](https://vimeo.com/1162303620#t=2805s) Yep, I would agree [0:46:46](https://vimeo.com/1162303620#t=2806s) ... and take a picture. But if they are gonna send them aerial images back, which I can't really fathom them doing, um, they have to be able to see what they are. I, I, I do think, now that you point that out, it might say ... It might should say, not same, but it might say equal or greater resolution and quality. [0:47:08](https://vimeo.com/1162303620#t=2828s) Something, yeah. I just- [0:47:09](https://vimeo.com/1162303620#t=2829s) Um- [0:47:09](https://vimeo.com/1162303620#t=2829s) That, I mean, they get their 14-year-old son to fly his drone up and take a picture of it. Right. He has a high-tech drone. And he has a high-tech drone. [0:47:15](https://vimeo.com/1162303620#t=2835s) I think if we put equal or greater, it might address your concern. [0:47:20](https://vimeo.com/1162303620#t=2840s) Okay. [0:47:20](https://vimeo.com/1162303620#t=2840s) I don't know. I- [0:47:21](https://vimeo.com/1162303620#t=2841s) That was, that's the only thing I, I would just had a question for you. [0:47:23](https://vimeo.com/1162303620#t=2843s) Does that make sense, Vance? [0:47:26](https://vimeo.com/1162303620#t=2846s) Okay. [0:47:26](https://vimeo.com/1162303620#t=2846s) And I would certainly accept that, but I, I, I really think they're gonna get their digital camera- [0:47:34](https://vimeo.com/1162303620#t=2854s) That's exactly what they're gonna do [0:47:34](https://vimeo.com/1162303620#t=2854s) ... and [0:47:35](https://vimeo.com/1162303620#t=2855s) You ... Yeah. That, and that would be done. I, the only thing I see is if- [0:47:40](https://vimeo.com/1162303620#t=2860s) They won't even fly, they won't even fly a drone. [0:47:41](https://vimeo.com/1162303620#t=2861s) Yeah. [0:47:41](https://vimeo.com/1162303620#t=2861s) They're gonna go up there and take a picture. [0:47:43](https://vimeo.com/1162303620#t=2863s) That's what they should do. [0:47:44](https://vimeo.com/1162303620#t=2864s) Whoever the roofer is gonna take a picture of where it is and everything and send it to the insurance company. [0:47:49](https://vimeo.com/1162303620#t=2869s) Oh, well, well, let's give you a microphone to speak, sir. [0:47:53](https://vimeo.com/1162303620#t=2873s) Yeah. What, what they normally do, they send an adjuster out usually, and the adjuster decides whether or not it's gonna be covered or whether the roof is 30 years old or whatever. The adjuster then will tell you or put in writing what needs to be done in, in order for that insurance to be renewed. [0:48:18](https://vimeo.com/1162303620#t=2898s) Right. [0:48:19](https://vimeo.com/1162303620#t=2899s) And so what happens is whoever does the roof, they take a actual picture of what they did, and then it's going back to the adjuster, and then the adjuster submits it to the insurance company. [0:48:33](https://vimeo.com/1162303620#t=2913s) I think your same or however you wanna work that- [0:48:36](https://vimeo.com/1162303620#t=2916s) I, I think equal or- [0:48:37](https://vimeo.com/1162303620#t=2917s) Equal is, is the other thing I s- I see [0:48:40](https://vimeo.com/1162303620#t=2920s) ... equal or greater resolution. [0:48:40](https://vimeo.com/1162303620#t=2920s) Um, I actually had a case like this, believe it or not, and he had his grandson take his drone up and take pictures of all the roofs and send them back to us, and we're going, "Wow, okay." So that's the only thing I see is just that might be something that- [0:48:55](https://vimeo.com/1162303620#t=2935s) The thing that makes it look better [0:48:56](https://vimeo.com/1162303620#t=2936s) ... make, makes it, makes it a little bit better there. All right. Uh, Senator Merritt, I see you blinking. No, uh, I, I didn't- You're done. Okay. Okey-doke. Didn't know if we need to take a motion on it or not. Um- [0:49:07](https://vimeo.com/1162303620#t=2947s) They, uh- [0:49:08](https://vimeo.com/1162303620#t=2948s) Ask him how, how he wants to handle that as a ... Do we wanna handle that as a amendment or do ... How, how do we wanna do that? What's the best way? Just as an amendment? [0:49:17](https://vimeo.com/1162303620#t=2957s) Yeah. If somebody wants to offer that, or I, I guess I could even offer it, but- [0:49:21](https://vimeo.com/1162303620#t=2961s) I'll let you off- [0:49:21](https://vimeo.com/1162303620#t=2961s) ... that'd be kind of weird, wouldn't it? [0:49:23](https://vimeo.com/1162303620#t=2963s) Well- Senator, you need a motion to pass first. Okay. Okay. Before we do that. Okay. Okay. Do we have an amo- am- need a motion. Yeah. We have a motions on this bill. A motion. [0:49:37](https://vimeo.com/1162303620#t=2977s) Make the motion. [0:49:38](https://vimeo.com/1162303620#t=2978s) Yeah. [0:49:38](https://vimeo.com/1162303620#t=2978s) And I'll second. [0:49:38](https://vimeo.com/1162303620#t=2978s) Oh, we got one. Okay. We have a motion. [0:49:42](https://vimeo.com/1162303620#t=2982s) Yeah, motion to pass on, uh, Senate Bill 409 LC 461260. [0:49:49](https://vimeo.com/1162303620#t=2989s) Thank you, ma'am. We appreciate it. Will you have a second? [0:49:53](https://vimeo.com/1162303620#t=2993s) Second. [0:49:53](https://vimeo.com/1162303620#t=2993s) Second, Senator Still. Okey-dokey. So now that we have a first and a second, a motion, uh, any more discussion? No more discussion. We're gonna do an amendment next. Okay. An amendment would be ... I, I see no problem with you. You got it there. [0:50:13](https://vimeo.com/1162303620#t=3013s) I'll, I'll offer an amendment on line 84. [0:50:18](https://vimeo.com/1162303620#t=3018s) Okay. [0:50:18](https://vimeo.com/1162303620#t=3018s) To strike the sa- the, "The same" and replace with "equal or greater." So it wou- it would then read, "The property owner to the insurer shall be of equal or greater resolution and quality as the aerial." [0:50:37](https://vimeo.com/1162303620#t=3037s) Okay. [0:50:40](https://vimeo.com/1162303620#t=3040s) Vince, you can put that together and make that happen for us. Okay. Any other discussion on that? Motion on the amendment. [0:50:51](https://vimeo.com/1162303620#t=3051s) Do pass. Do pass. [0:50:52](https://vimeo.com/1162303620#t=3052s) And we need a second. [0:50:53](https://vimeo.com/1162303620#t=3053s) We need, do, we got, well, we got- Well, you can do it. You need a second. Y- you made the motion. Second. Second, and she's gonna do our second, correct? She said she will vote on the amendment. Well, thank- And that, well, and now we're gonna vote on the amendment that has been there. So, uh, if you will, if you are in favor of the amendment proposed by Pro Tem Senator Walker, would you raise your hand? All right, they all like you. That's good. All right. That gets us to a point to where we have an amended bill, and what we're gonna do, if there's any more discussion at, on the bill as amended. [0:51:28](https://vimeo.com/1162303620#t=3088s) None? Okay. So we will vote on the bill, uh, as amended. All in favor of the bill as amended, would you raise your hand? All right. Okay. They do like you, so we're in good shape. [0:51:40](https://vimeo.com/1162303620#t=3100s) Thank you. [0:51:40](https://vimeo.com/1162303620#t=3100s) So you have a bill ready to go and amended, and, um, thank you very much. I appreciate it. [0:51:47](https://vimeo.com/1162303620#t=3107s) Thank you. Appreciate it. [0:51:48](https://vimeo.com/1162303620#t=3108s) You're not only have been a good chairman and a good vice chairman- ... you, you do a good job. We appreciate you. All right. All right. Our next issue we're to deal with is from Senator Ca- Kay Kirkpatrick. Do you wanna do that from where you are? And you are number 12 Now I'm gonna ask you to do something in my committees. I want you to define, uh, abbreviations, because we're gonna be talking, I think, about AI, and I was in agriculture, uh, last year, and they talked about AI. [0:52:24](https://vimeo.com/1162303620#t=3144s) And in AI, in agriculture, it's actually artificial insemination, and I think you're not gonna be talking about that in the insurance realm. So just as long as we get the terms right, we'll be good. [0:52:36](https://vimeo.com/1162303620#t=3156s) Thank- [0:52:36](https://vimeo.com/1162303620#t=3156s) So if you'll do that for us, okay? [0:52:38](https://vimeo.com/1162303620#t=3158s) Thank you, Mr. Chair. I don't think I used that abbreviation in the bill anywhere. [0:52:42](https://vimeo.com/1162303620#t=3162s) Okay. [0:52:43](https://vimeo.com/1162303620#t=3163s) So every place that you see artificial intelligence- [0:52:45](https://vimeo.com/1162303620#t=3165s) You gave me the whole word. I appreciate that [0:52:47](https://vimeo.com/1162303620#t=3167s) ... that's what we're talking about. Um, so committee members and Mr. Chair, you probably remember, most of you were here when we passed Senate Bill 80. It's been several years ago, and that was a prior authorization bill, and I think all of you know that that's the process that insurers use to approve or deny medical treatments. And it's, um, you know, that bill defined what a clinical peer is that would review things. It added transparency timelines and so on. [0:53:19](https://vimeo.com/1162303620#t=3199s) Since that, like the last bill, technology has continued to advance. [0:53:24](https://vimeo.com/1162303620#t=3204s) Mm. [0:53:24](https://vimeo.com/1162303620#t=3204s) Prior authorization continues to be a very time-consuming process requiring additional staff time, so technology is actually welcome to help automate and speed up the process. Artificial intelligence is a tool that should be available, and this bill allows it to be used. However, if there's an adverse determination in this bill, artificial intelligence cannot be the sole basis for a denial. So in other words, a clinical peer would need to be involved prior to an adverse determination, and their decision would prevail. [0:53:59](https://vimeo.com/1162303620#t=3239s) The definitions are national definitions by a group called NIST, the National Institute of Standards and something. [0:54:11](https://vimeo.com/1162303620#t=3251s) And, um, uh, so I think this is pretty straightforward, and it does not prevent the use of artificial intelligence. It's just make sure that there's a human look at claims before they're denied. [0:54:25](https://vimeo.com/1162303620#t=3265s) Okay. And, and as I'm reading your 25 and 26 lines, it shall not be used as a sole basis. Am I correct that basically all of the approvals will automatically go through and only then the things that are being turned down, and then they would be referred to an actual human being, correct? [0:54:44](https://vimeo.com/1162303620#t=3284s) They'd be subject to our current law. [0:54:46](https://vimeo.com/1162303620#t=3286s) Okay. Okay. Uh, Senator Merritt. [0:54:49](https://vimeo.com/1162303620#t=3289s) Thank you, Mr. Chairman. So yeah, I actually, you know, I know AI is new, and I actually brought forward, uh, a piece of legislation last year to deal with AI discrimination and to make sure that AI wasn't being used in a way to discriminate against things like insurance and things of this nature, and I also have a AI commission bill. It's new technology. We're trying to reel it in and make sure it's being used responsibly. So with that, I do, uh, pivot back to protecting the consumer, and I, um, I guess my question is, or I would ask, is there something in here that we would notify the con- consumer that we are using AI to make the determination? [0:55:27](https://vimeo.com/1162303620#t=3327s) I think, I think that should be something that can be disclosed to them because, um... or should be. Even now, images that are on social media, now they're putting a timestamp that, "Hey," or they're putting a blurb in there to say, "Hey, this is what AI created." So I do think that may be something we should consider disclosing to the, to the consumer. [0:55:48](https://vimeo.com/1162303620#t=3348s) Uh, we can take a look at that. The process, of course, the patient typically is not involved in the process- [0:55:56](https://vimeo.com/1162303620#t=3356s) Mm-hmm [0:55:56](https://vimeo.com/1162303620#t=3356s) ... except that they're the patient. [0:55:57](https://vimeo.com/1162303620#t=3357s) Right. [0:55:58](https://vimeo.com/1162303620#t=3358s) And, uh, so if it's my office that's doing the prior authorization, they're communicating with the insurance company. And so the con- consumer's not really involved with it until such a time as the, uh, procedure, surgery, medication, whatever, is either approved or denied. [0:56:17](https://vimeo.com/1162303620#t=3377s) Mm-hmm. [0:56:17](https://vimeo.com/1162303620#t=3377s) And an approval, uh, it doesn't really matter. But in the situation where there's a denial, I agree with you, the consumers need to be protected. I'm not sure, uh, uh, where in the process they would be notified though, so I'm not sure we need to put that in this bill. But, um, because the determination, the negative determination is not being made by AI. [0:56:41](https://vimeo.com/1162303620#t=3401s) Right. Would someone be able to help us with that? Like I d- I think you had, had help crafting the bill. Would someone maybe know where we would put that in the process? Just to let, just, just to make sure we're covered here that, hey, we are using these technologies. And again, I don't know where in the process between the provider and the consumer and the, in between, where, where would we put that? I don't, I don't know either. But I'm assuming there are some smart people who do know where we would put that. [0:57:09](https://vimeo.com/1162303620#t=3429s) Um, I think this bill just reflects kind of the current status of how artificial intelligence is being used in prior auth. [0:57:20](https://vimeo.com/1162303620#t=3440s) Right. Right. [0:57:20](https://vimeo.com/1162303620#t=3440s) I hadn't heard any concerns from anyone about, um, how any kind of disclosure or notification would actually work. [0:57:29](https://vimeo.com/1162303620#t=3449s) Mm-hmm. [0:57:29](https://vimeo.com/1162303620#t=3449s) I'm sure it's in the paperwork somewhere- [0:57:31](https://vimeo.com/1162303620#t=3451s) Mm-hmm [0:57:31](https://vimeo.com/1162303620#t=3451s) ... that the patient signs with the contract with the insurance company. [0:57:35](https://vimeo.com/1162303620#t=3455s) Mm-hmm. And my next question, and this follows kind of my next, uh, question. Because AI is being used to do the prior authorization, AI only knows, and this is kind of what my d- bill deals with, it only knows what the programmers have put in it. So, um, I would just want to make sure there's nothing in there to where AI is pulling something that could be to mess with the pricing in a way that is looking at a algorithm that could be discriminatory and price it higher than, like, the next person. So I, I know these technologies are new, and it's hard to To cover everything it can and cannot do. [0:58:12](https://vimeo.com/1162303620#t=3492s) But a- again, AI only knows what's out there. [0:58:15](https://vimeo.com/1162303620#t=3495s) Yeah, the pricing doesn't really enter into this. This is more medical necessity- [0:58:20](https://vimeo.com/1162303620#t=3500s) The real necessity [0:58:21](https://vimeo.com/1162303620#t=3501s) ... type of decisions that are being made. So, um, I think the, any discrimination against anybody is that the insurance company doesn't wanna pay for the procedure and they've got a list of what they require, criteria that they put in place to make those decisions, and those can be automated, which of course does speed up the process. But we also need to be sure that the entire record has been reviewed and all the information's been looked at before a final decision is made. [0:58:55](https://vimeo.com/1162303620#t=3535s) So that's the whole point of, um, going back to our prior definition that we had of a clinical peer. [0:59:01](https://vimeo.com/1162303620#t=3541s) Right. And it's not... And, and you already covered AI isn't the sole, isn't the- [0:59:05](https://vimeo.com/1162303620#t=3545s) Exactly [0:59:05](https://vimeo.com/1162303620#t=3545s) ... isn't the sole decider here. Okay. [0:59:09](https://vimeo.com/1162303620#t=3549s) This really is to speed the process, is what it is, 'cause any negative implications, as I understand it, would be referred to a human. This is just getting approval where if it says it meets this criteria, give a yes. And I, uh, I think that's just part of our technology moving forward right now. [0:59:26](https://vimeo.com/1162303620#t=3566s) We know it's evolving technology. A lot of states are dealing with the same thing. There are bills in a lot of states that are, uh, some are, uh, have already been enacted, but it's just to protect patients and be sure that all the information is reviewed before s- someone decides that you can't have the treatment that's been recommended. [0:59:49](https://vimeo.com/1162303620#t=3589s) I think your, your, your 20, 20, uh, 5 and 26 are the, uh, backstop for protection right there, that we talk to a real human being from that standpoint. I like that. [0:59:58](https://vimeo.com/1162303620#t=3598s) Exactly. [0:59:59](https://vimeo.com/1162303620#t=3599s) I think that's good. Okay. Moving, at the appropriate time, yes sir, yes sir. [1:00:05](https://vimeo.com/1162303620#t=3605s) Mr. Chairman, at the appropriate time, I'd like to make a motion to, uh, accept Senate Bill 444, LC 461377. [1:00:14](https://vimeo.com/1162303620#t=3614s) Okay. Do we have a second? We have a second from, um, [1:00:23](https://vimeo.com/1162303620#t=3623s) Senator Hodges. I had a, a moment there, uh, from that standpoint. Any, any fur- any, any other discussions? I was gonna say Savannah, but I was, uh, uh, but I said, no, it's St. Simons. All right. Any other discussions? If there's none, okay, we'll take a vote. All in favor, raise your hand. [1:00:46](https://vimeo.com/1162303620#t=3646s) Opposed? Okay. We got, got our, our numbers there. We got that. Okay. We got one against and everybody else is for, so we're good and we need to announce what is that s- what's your number there? [1:01:01](https://vimeo.com/1162303620#t=3661s) Okay. Got them? [1:01:03](https://vimeo.com/1162303620#t=3663s) Six. [1:01:03](https://vimeo.com/1162303620#t=3663s) Six. Six to one. Okay. Okie doke. [1:01:08](https://vimeo.com/1162303620#t=3668s) Senator, Senator Kirkpatrick, you are ready to go to rules with artificial intelligence. Thank you so much. And with that, with that, we will close it. And thank you everybody for being here. Thank you.