MA H1151

Requires all Massachusetts health insurance plans (including Group Insurance Commission, accident/sickness policies, hospital service plans, medical service agreements, and HMOs) to cover medically necessary treatment for acquired brain injuries occurring after birth

Mandates coverage for cognitive rehabilitation therapy, neurocognitive therapy, neurobehavioral therapy, neuropsychological testing, neurofeedback therapy, community reintegration services, post-acute residential treatment, and home/community-based treatment

Prohibits lifetime limits or unreasonable annual limits on treatment days or sessions, and bars insurers from denying coverage solely because treatment occurs at a non-hospital facility

Requires benefits to have no greater deductibles, copayments, or out-of-pocket limits than other covered services

Directs the Commissioner of Insurance to require insurers to train preauthorization and utilization review staff in consultation with the Brain Injury Association of Massachusetts, and establishes provider qualification standards including CARF accreditation