S.B. 924 Summary

• Requires individual and group health insurance plans, hospital/medical service plans, and health maintenance organizations issued or renewed after December 31, 2015, to cover cognitive rehabilitation and related therapies for acquired brain injuries.

• Mandated coverage includes cognitive rehabilitation therapy, cognitive communication therapy, neurocognitive therapy, neurobehavioral and neuropsychological testing/treatment, neurofeedback therapy, remediation, and post-acute transition or community reintegration services.

• Coverage is provided for up to twenty years from the date of the acquired brain injury, with a maximum lifetime benefit cap of $300,000 per insured person unless the plan specifies otherwise.

• Coverage may be subject to deductibles, copayments, coinsurance, and annual or maximum payment limits consistent with other similar benefits under the plan.

• Requires insurers and mutual benefit societies to provide written notice to policyholders regarding the coverage by December 31, 2015, and mandates the Department of Commerce and Consumer Affairs to report on the economic impact to insurers by twenty days before the 2017 legislative session.