OLR Bill Analysis
AN ACT CONCERNING INSURANCE COVERAGE FOR THE BIRTH-TO-THREE PROGRAM.
This bill makes changes in the requirements for individual and group health insurance policies that provide coverage for medically necessary early intervention (birth-to-three) services provided as part of an individualized family service plan.
Current law prohibits payments for birth-to-three services from applying against any maximum lifetime or annual limit in the policy. The bill also prohibits payments from causing:
1. a loss of benefits due to a policy limit,
2. an insured child or family member to be denied health insurance coverage, and
3. a policy rescission or cancellation.
The bill specifies that payments for birth-to-three services must be treated the same as other claim experience for premium rating purposes.
The bill also expands the list of policies that must provide birth-to-three coverage to include certain policies amended or continued in Connecticut, rather than only those delivered, issued, or renewed here.
EFFECTIVE DATE: July 1, 2012
The bill applies to individual and group health insurance policies delivered, issued, renewed, amended, or continued in Connecticut that cover (1) basic hospital expenses; (2) basic medical-surgical expenses; (3) major medical expenses; or (4) hospital or medical services, including coverage under an HMO plan.
Due to the federal Employee Retirement Income Security Act (ERISA), state insurance benefit mandates do not apply to self-insured benefit plans.
Birth-to-Three Coverage Requirements
Individual and group health insurance policies must cover at least $ 6,400 per child annually for medically necessary birth-to-three services, up to $ 19,200 per child over three years. For children with autism receiving birth-to-three services, group health insurance policies must cover at least $ 50,000 per child annually, up to $ 150,000 per child over three years.
Individual and group policies cannot impose out-of-pocket expenses (e. g. , coinsurance, copayments, or deductibles) for birth-to-three services, except for a high deductible health plan designed to be compatible with federally qualified health savings accounts.
Insurance and Real Estate Committee
Joint Favorable Substitute