HI HB392

Requires individual and group accident and health insurance plans, hospital/medical service plans, and health maintenance organizations to cover cognitive rehabilitation therapy and related services for acquired brain injuries beginning January 1, 2018.

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 extends for up to twenty years from the date of the acquired brain injury, with a maximum of $300,000 per insured person unless the plan specifies otherwise.

Coverage may be subject to standard deductibles, copayments, coinsurance, and annual or maximum payment limits consistent with other similar coverage under the policy.

Requires insurers to provide written notice to policyholders about the new coverage requirement by December 31, 2017, and mandates the Department of Commerce and Consumer Affairs to report on economic impacts to insurers by 2019.