IN HB1412

Requires accident and sickness insurance policies and health maintenance organizations to cover medically necessary acquired brain injury treatment, effective July 1, 2026

Defines "acquired brain injury" as post-birth brain injuries caused by infectious diseases, metabolic disorders, stroke, traumatic brain injury, brain tumors, toxins, diminished oxygen, and related conditions

Mandates coverage for nine specific therapy types: cognitive rehabilitation therapy, cognitive communication therapy, neurocognitive therapy, neurobehavioral therapy, neurofeedback therapy, neuropsychological therapy, postacute residential treatment, functional rehabilitation therapy, and community reintegration services

Prohibits lifetime limits on this coverage and bars annual limitations, deductibles, copayments, or coinsurance that are more restrictive than those applying generally under the policy

Requires practitioners and treatment facilities providing these services to possess appropriate licenses, accreditation, training, and experience customary in the field