CT
Connecticut Senate Bill SB00018

Connecticut 2011 Regular Session

Connecticut Senate Bill SB00018 Compare Versions

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1-Substitute Senate Bill No. 18
1+General Assembly Substitute Bill No. 18
2+January Session, 2011 *_____SB00018INS___030911____*
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3-Public Act No. 11-171
4+General Assembly
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5-AN ACT CONCERNING INSURANCE COVERAGE FOR BREAST MAGNETIC RESONANCE IMAGING AND EXTENDING THE NOTIFICATION PERIOD TO INSURERS FOLLOWING THE BIRTH OF A CHILD.
6+Substitute Bill No. 18
7+
8+January Session, 2011
9+
10+*_____SB00018INS___030911____*
11+
12+AN ACT CONCERNING APPEALS OF HEALTH INSURANCE BENEFITS DENIALS.
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714 Be it enacted by the Senate and House of Representatives in General Assembly convened:
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9-Section 1. Subsection (a) of section 38a-503 of the general statutes is repealed and the following is substituted in lieu thereof (Effective January 1, 2012):
16+Section 1. Subsection (a) of section 38a-226c of the general statutes is repealed and the following is substituted in lieu thereof (Effective October 1, 2011):
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11-(a) (1) Each individual health insurance policy providing coverage of the type specified in subdivisions (1), (2), (4), [(6),] (10), (11) and (12) of section 38a-469 delivered, issued for delivery, renewed, amended or continued in this state [on or after October 1, 2001,] shall provide benefits for mammographic examinations to any woman covered under the policy which are at least equal to the following minimum requirements: [(1)] (A) A baseline mammogram for any woman who is thirty-five to thirty-nine years of age, inclusive; and [(2)] (B) a mammogram every year for any woman who is forty years of age or older.
18+(a) All utilization review companies shall meet the following minimum standards:
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13-(2) Such policy shall provide additional benefits for: [comprehensive]
20+(1) Each utilization review company shall maintain and make available procedures for providing notification of its determinations regarding certification in accordance with the following:
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15-(A) Comprehensive ultrasound screening of an entire breast or breasts if a mammogram demonstrates heterogeneous or dense breast tissue based on the Breast Imaging Reporting and Data System established by the American College of Radiology or if a woman is believed to be at increased risk for breast cancer due to family history or prior personal history of breast cancer, positive genetic testing or other indications as determined by a woman's physician or advanced practice registered nurse; and
22+(A) Notification of any prospective determination by the utilization review company shall be mailed or otherwise communicated to the provider of record or the enrollee or other appropriate individual within two business days of the receipt of all information necessary to complete the review, provided any determination not to certify an admission, service, procedure or extension of stay shall be in writing. After a prospective determination that authorizes an admission, service, procedure or extension of stay has been communicated to the appropriate individual, based on accurate information from the provider, the utilization review company may not reverse such determination if such admission, service, procedure or extension of stay has taken place in reliance on such determination.
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17-(B) Magnetic resonance imaging in accordance with guidelines established by the American Cancer Society or the American College of Radiology.
24+(B) Notification of a concurrent determination shall be mailed or otherwise communicated to the provider of record within two business days of receipt of all information necessary to complete the review or, provided all information necessary to perform the review has been received, prior to the end of the current certified period and provided any determination not to certify an admission, service, procedure or extension of stay shall be in writing.
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19-Sec. 2. Subsection (a) of section 38a-530 of the general statutes is repealed and the following is substituted in lieu thereof (Effective January 1, 2012):
26+(C) The utilization review company shall not make a determination not to certify based on incomplete information unless it has clearly indicated, in writing, to the provider of record or the enrollee all the information that is needed to make such determination.
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21-(a) (1) Each group health insurance policy providing coverage of the type specified in subdivisions (1), (2), (4), (11) and (12) of section 38a-469 delivered, issued for delivery, renewed, amended or continued in this state [on or after October 1, 2001,] shall provide benefits for mammographic examinations to any woman covered under the policy which are at least equal to the following minimum requirements: [(1)] (A) A baseline mammogram for any woman who is thirty-five to thirty-nine years of age, inclusive; and [(2)] (B) a mammogram every year for any woman who is forty years of age or older.
28+(D) Notwithstanding subparagraphs (A) to (C), inclusive, of this subdivision, the utilization review company may give authorization orally, electronically or communicated other than in writing. If the determination is an approval for a request, the company shall provide a confirmation number corresponding to the authorization.
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23-(2) Such policy shall provide additional benefits for: [comprehensive]
30+(E) Except as provided in subparagraph (F) of this subdivision with respect to a final notice, each notice of a determination not to certify an admission, service, procedure or extension of stay shall include in writing (i) the principal reasons for the determination, (ii) the procedures to initiate an appeal of the determination or the name and telephone number of the person to contact with regard to an appeal pursuant to the provisions of this section, and (iii) the procedure to appeal to the commissioner pursuant to section 38a-478n, as amended by this act.
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25-(A) Comprehensive ultrasound screening of an entire breast or breasts if a mammogram demonstrates heterogeneous or dense breast tissue based on the Breast Imaging Reporting and Data System established by the American College of Radiology or if a woman is believed to be at increased risk for breast cancer due to family history or prior personal history of breast cancer, positive genetic testing or other indications as determined by a woman's physician or advanced practice registered nurse; and
32+(F) Each notice of a final determination not to certify an admission, service, procedure or extension of stay shall include in writing (i) the principal reasons for the determination, (ii) a statement that all internal appeal mechanisms have been exhausted, [and] (iii) a statement that the utilization review company shall provide to the enrollee, upon request, a copy of all enrollee-specific documents and information that were not provided by the provider of record or the enrollee and were considered in such final determination, and (iv) a copy of the application and procedures prescribed by the commissioner for filing an appeal to the commissioner pursuant to section 38a-478n.
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27-(B) Magnetic resonance imaging in accordance with guidelines established by the American Cancer Society or the American College of Radiology.
34+(2) Each utilization review company shall maintain and make available a written description of the appeal procedure by which either [the enrollee or] the provider of record or the enrollee may seek review of determinations not to certify an admission, service, procedure or extension of stay. An appeal by the provider of record shall be deemed to be made on behalf of the enrollee and with the consent of such enrollee if the admission, service, procedure or extension of stay has not yet been provided or if such determination not to certify creates a financial liability to the enrollee. The procedures for appeals shall include the following:
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29-Sec. 3. Section 38a-490 of the general statutes is repealed and the following is substituted in lieu thereof (Effective January 1, 2012):
36+(A) Each utilization review company shall notify in writing the [enrollee and] provider of record and the enrollee of its determination on the appeal as soon as practical, but in no case later than thirty days after receiving the required documentation on the appeal.
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31-(a) [Every] Each individual health insurance policy delivered, issued for delivery, renewed, amended or continued in this state, providing coverage of the type specified in subdivisions (1), (2), (4), (6), (10), (11) and (12) of section 38a-469 for a family member of the insured or subscriber shall, as to such family members' coverage, also provide that the health insurance benefits applicable for children shall be payable with respect to a newly born child of the insured or subscriber from the moment of birth.
38+(B) On appeal, all determinations not to certify an admission, service, procedure or extension of stay shall be made by a licensed practitioner of the healing arts.
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33-(b) Coverage for such newly born child shall consist of coverage for injury and sickness including necessary care and treatment of medically diagnosed congenital defects and birth abnormalities within the limits of the policy.
40+(3) With respect to a final determination not to certify an admission, service, procedure or extension of stay, each utilization review company shall, not later than five business days after receiving a request from the enrollee, provide to the provider of record and the enrollee by electronic mail, facsimile or other expeditious method all documents and information that were considered in making such final determination.
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35-(c) If payment of a specific premium or subscription fee is required to provide coverage for a child, the policy or contract may require that notification of birth of such newly born child and payment of the required premium or fees shall be furnished to the insurer, hospital [or] service corporation, medical service corporation or health care center [within thirty-one] not later than sixty-one days after the date of birth in order to continue coverage beyond such [thirty-one-day] sixty-one-day period, provided failure to furnish such notice or pay such premium or fees shall not prejudice any claim originating within such [thirty-one-day] sixty-one-day period.
42+[(3)] (4) The process established by each utilization review company may include a reasonable period within which an appeal must be filed to be considered.
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37-[(d) The provisions of this section shall apply with respect to health insurance policies delivered or issued for delivery in this state on or after October 1, 1974, and to any health insurance policies which are thereafter amended to substantially alter or change benefits or coverages, and to any individual health insurance policies renewable at the option of such insurance company, hospital or medical service corporation or health care center which are thereafter renewed. ]
44+[(4)] (5) Each utilization review company shall also provide for an expedited appeals process for emergency or life threatening situations. Each utilization review company shall complete the adjudication of such expedited appeals within two business days of the date the appeal is filed and all information necessary to complete the appeal is received by the utilization review company.
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39-Sec. 4. Section 38a-516 of the general statutes is repealed and the following is substituted in lieu thereof (Effective January 1, 2012):
46+[(5)] (6) Each utilization review company shall utilize written clinical criteria and review procedures which are established and periodically evaluated and updated with appropriate involvement from practitioners.
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41-(a) Each group health insurance policy delivered, issued for delivery, renewed, amended or continued in this state, providing coverage of the type specified in subdivisions (1), (2), (4), (6), (11) and (12) of section 38a-469 for a family member of the insured or subscriber shall, as to such family members' coverage, also provide [as to such family members' coverage,] that the health insurance benefits applicable for children shall be payable with respect to a newly born child of the insured or subscriber from the moment of birth.
48+[(6)] (7) Physicians, nurses and other licensed health professionals making utilization review decisions shall have current licenses from a state licensing agency in the United States or appropriate certification from a recognized accreditation agency in the United States, provided [,] any final determination not to certify an admission, service, procedure or extension of stay for an enrollee within this state, except for a claim brought pursuant to chapter 568, shall be made by a physician, nurse or other licensed health professional under the authority of a physician, nurse or other licensed health professional who has a current Connecticut license from the Department of Public Health.
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43-(b) Coverage for such newly born child shall consist of coverage for injury and sickness including necessary care and treatment of medically diagnosed congenital defects and birth abnormalities within the limits of the policy.
50+[(7)] (8) In cases where an appeal to reverse a determination not to certify is unsuccessful, each utilization review company shall [assure] ensure that a practitioner in a specialty related to the condition is reasonably available to review the case. When the reason for the determination not to certify is based on medical necessity, including whether a treatment is experimental or investigational, each utilization review company shall have the case reviewed by a physician who is a specialist in the field related to the condition that is the subject of the appeal. Any such review, except for a claim brought pursuant to chapter 568, that upholds a final determination not to certify in the case of an enrollee within this state shall be conducted by such practitioner or physician under the authority of a practitioner or physician who has a current Connecticut license from the Department of Public Health. The review shall be completed within thirty days of the request for review. The utilization review company shall be financially responsible for the review and shall maintain, for the commissioner's verification, documentation of the review, including the name of the reviewing physician.
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45-(c) If payment of a specific premium fee is required to provide coverage for a child, the policy may require that notification of birth of such newly born child and payment of the required premium or fees shall be furnished to the insurer, hospital [or] service corporation, medical service corporation or health care center [within thirty-one] not later than sixty-one days after the date of birth in order to continue coverage beyond such [thirty-one-day] sixty-one-day period, provided failure to furnish such notice or pay such premium shall not prejudice any claim originating within such [thirty-one-day] sixty-one-day period.
52+[(8)] (9) Except as provided in subsection (e) of this section, each utilization review company shall make review staff available by toll-free telephone, at least forty hours per week during normal business hours.
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47-[(d) The provisions of this section shall apply with respect to health insurance policies delivered or issued for delivery in this state on or after October 1, 1974, and to any health insurance policies which are thereafter amended to substantially alter or change benefits or coverages. ]
54+[(9)] (10) Each utilization review company shall comply with all applicable federal and state laws to protect the confidentiality of individual medical records. Summary and aggregate data shall not be considered confidential if it does not provide sufficient information to allow identification of individual patients.
55+
56+[(10)] (11) Each utilization review company shall allow a minimum of twenty-four hours following an emergency admission, service or procedure for an enrollee or his representative to notify the utilization review company and request certification or continuing treatment for that condition.
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58+[(11)] (12) No utilization review company may give an employee any financial incentive based on the number of denials of certification such employee makes.
59+
60+[(12)] (13) Each utilization review company shall annually file with the commissioner:
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62+(A) The names of all managed care organizations, as defined in section 38a-478, that the utilization review company services in Connecticut;
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64+(B) Any utilization review services for which the utilization review company has contracted out for services and the name of such company providing the services;
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66+(C) The number of utilization review determinations not to certify an admission, service, procedure or extension of stay and the outcome of such determination upon appeal within the utilization review company. Determinations related to mental or nervous conditions, as defined in section 38a-514, shall be reported separately from all other determinations reported under this subdivision; and
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68+(D) The following information relative to requests for utilization review of mental health services for enrollees of fully insured health benefit plans or self-insured or self-funded employee health benefit plans, separately and by category: (i) The reason for the request, including, but not limited to, an inpatient admission, service, procedure or extension of inpatient stay or an outpatient treatment, (ii) the number of requests denied by type of request, and (iii) whether the request was denied or partially denied.
69+
70+[(13)] (14) Any utilization review decision to initially deny services shall be made by a licensed health professional.
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72+Sec. 2. Subsection (m) of section 38a-479aa of the general statutes is repealed and the following is substituted in lieu thereof (Effective October 1, 2011):
73+
74+(m) Each utilization review determination made by or on behalf of a preferred provider network shall be made in accordance with sections 38a-226 to 38a-226d, inclusive, as amended by this act, except that any initial appeal of a determination not to certify an admission, service, procedure or extension of stay shall be conducted in accordance with subdivision [(7)] (8) of subsection (a) of section 38a-226c, as amended by this act, and any subsequent appeal shall be referred to the managed care organization on whose behalf the preferred provider network provides services. The managed care organization shall conduct the subsequent appeal in accordance with said subdivision.
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76+Sec. 3. Subdivision (12) of subsection (d) of section 38a-479bb of the general statutes is repealed and the following is substituted in lieu thereof (Effective October 1, 2011):
77+
78+(12) A provision that the preferred provider network shall ensure that utilization review determinations are made in accordance with sections 38a-226 to 38a-226d, inclusive, as amended by this act, except that any initial appeal of a determination not to certify an admission, service, procedure or extension of stay shall be made in accordance with subdivision [(7)] (8) of subsection (a) of section 38a-226c, as amended by this act. In cases where an appeal to reverse a determination not to certify is unsuccessful, the preferred provider network shall refer the case to the managed care organization which shall conduct the subsequent appeal, if any, in accordance with said subdivision.
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83+This act shall take effect as follows and shall amend the following sections:
84+Section 1 October 1, 2011 38a-226c(a)
85+Sec. 2 October 1, 2011 38a-479aa(m)
86+Sec. 3 October 1, 2011 38a-479bb(d)(12)
87+
88+This act shall take effect as follows and shall amend the following sections:
89+
90+Section 1
91+
92+October 1, 2011
93+
94+38a-226c(a)
95+
96+Sec. 2
97+
98+October 1, 2011
99+
100+38a-479aa(m)
101+
102+Sec. 3
103+
104+October 1, 2011
105+
106+38a-479bb(d)(12)
107+
108+
109+
110+INS Joint Favorable Subst.
111+
112+INS
113+
114+Joint Favorable Subst.