IL SB1587

Amends Section 356c of the Illinois Insurance Code to specify that coverage for congenital defects in newborn infants includes treatment of cranial facial anomalies.

Requires individual and group accident and health insurance policies amended, delivered, issued, or renewed after January 1, 2022 to cover outpatient and inpatient care for diagnosis and treatment of congenital anomalies or birth defects.

Mandates coverage for services to functionally improve, repair, or restore body parts in the cranial facial area that are medically necessary to achieve normal function or appearance, up to age 26.

Permits coverage limits such as pre-authorization or pre-certification, provided they are no more restrictive than limitations applied to other medical and surgical benefits under the plan.

Excludes dental-only policies from these requirements and defines "treatment" to include reconstructive services, prosthetics, adjunctive dental support, and secondary condition procedures, but excludes cosmetic surgery performed to reshape normal facial structure.