MA S712

Mandates insurance coverage for medically necessary functional repair or restoration of craniofacial disorders caused by congenital disease or anomaly, excluding cleft lip and cleft palate (already covered under existing law)

Specifically requires coverage for treatment of ectodermal dysplasia, dentinogenesis imperfecta, and amelogenesis imperfecta

Excludes cosmetic surgery and dental or orthodontic treatment unrelated to the congenital condition

Prohibits insurers from imposing higher deductibles, coinsurance, copayments, or out-of-pocket limits for these benefits compared to other covered services

Applies to Group Insurance Commission plans, MassHealth, commercial insurers, Blue Cross Blue Shield plans, HMOs, and preferred provider organizations through amendments to seven chapters of Massachusetts General Laws