MO HB426

Repeals and reenacts Section 376.1210, RSMo, to regulate maternity health insurance coverage requirements for all health insurance entities in Missouri.

Requires insurers to cover a minimum of 48 hours of inpatient care following vaginal delivery and 96 hours following cesarean section for mother and newborn in a licensed hospital or obstetrical facility.

Allows shorter hospital stays only if approved by the attending physician using current American Academy of Pediatrics and American College of Obstetricians and Gynecologists guidelines, and if the insurer provides coverage for post-discharge care.

Mandates post-discharge care consisting of at least two visits (one in-home) by a registered nurse or physician, including physical assessments, parent education, feeding assistance, immunization education, clinical tests, and metabolic screening.

Prohibits insurers from requiring waiting periods for maternity coverage and mandates coverage be available immediately upon policy or plan effective date.

Requires insurers to provide prominent written notice to policyholders about maternity coverage requirements and prohibits financial disincentives, penalties, or retaliation against physicians for ordering coverage-compliant care.