Raised Bill No. 320 Summary

• Expands health insurance coverage requirements to include diagnosis and treatment of early childhood developmental disorders (not limited to autism spectrum disorders) effective January 1, 2025.

• Requires individual and group health insurance policies to cover behavioral therapy, prescription drugs, psychiatric/psychological services, physical therapy, speech pathology, and occupational therapy for children under 21 years old with early childhood developmental disorders when medically necessary and ordered by licensed providers.

• Prohibits insurers from limiting the number of visits or imposing greater financial burdens (copayments, deductibles, coinsurance) for early childhood developmental disorder treatment compared to other medical conditions.

• Limits utilization review of treatment plans to once every six months (unless more frequent review is medically necessary) and requires diagnostic results to remain valid for at least 12 months.

• Defines "early childhood developmental disorder" as a childhood mental or physical impairment resulting in functional limitations in major life activities, explicitly excluding learning disabilities as defined in state law.