OK HB1624

Orders a legislative referendum to be submitted to Oklahoma voters requiring health insurance plans to cover treatment for autism spectrum disorder in individuals under age 21.

Requires coverage for all therapies, treatments, diagnoses, testing, medicines and supplements prescribed by a licensed physician, with behavioral therapy capped at $30,000 per year and maximum 3 years of coverage (extendable if clinical progress continues).

Applies to all individual and group health benefit plans offered in Oklahoma effective January 1, 2012, with exemptions for limited benefit policies like accident-only, specified disease, hospital indemnity, Medicare supplement, and long-term care policies.

Prohibits insurers from denying, refusing to renew, or terminating coverage based solely on an autism diagnosis; defines autism disorder as a neurological condition with onset in first three years of life marked by impaired social interaction and communication.

Requires treatment plans to include diagnosis, proposed treatments, anticipated outcomes, update frequency, and physician signature; insurers may request plan updates no more than once every six months unless clinical circumstances warrant more frequent review.