Connecticut Senate Bill SB00205

Connecticut 2012 Regular Session

• Introduced: 2/22/12
• Refer: 2/22/12
• Report Pass: 3/15/12
• Refer: 3/23/12
• Report Pass: 3/29/12
• Engrossed: 4/11/12
• Report Pass: 4/12/12
• Chaptered: 5/11/12
• Enrolled: 5/18/12
• Passed: 5/31/12

Caption

An Act Concerning Insurance Coverage For The Birth-to-three Program.

Impact

If enacted, SB 205 would have a substantial impact on state laws related to health insurance, especially in how policies are structured regarding coverage for young children. The bill specifies benefit limits, including a maximum benefit of $6,400 per child per year, with a total aggregate of $19,200 over three years. For children with autism spectrum disorder, increased caps are provided, which highlights an urgent need within this community for adequate support and services. The legislation aims to prevent insurers from applying coverage payments toward maximum lifetime limits, further safeguarding the accessibility of health insurance for affected families.

Summary

Senate Bill 205, also known as 'An Act Concerning Insurance Coverage For The Birth-to-three Program', aims to enhance healthcare coverage for children by mandating coverage for medically necessary early intervention services from birth up to the age of three. The bill stipulates that individual health insurance policies must provide such coverage without imposing any coinsurance, copayment, or deductibles, thereby ensuring that families can access necessary services without financial barriers. This coverage is particularly critical for children with developmental issues or delays, as these early interventions can significantly improve long-term outcomes.

Sentiment

Overall, the sentiment surrounding SB 205 appears to be positive among healthcare advocates, child development specialists, and parents of young children. Supporters argue that the bill represents a step forward in recognizing the importance of early intervention services and the critical role they play in aiding children's development. However, there may also be some concerns from insurance providers regarding the financial implications of such mandates, especially regarding broader coverage requirements and the potential impact on premium rates.

Contention

Notable points of contention regarding SB 205 include discussions about how such required coverage could affect insurance policy premiums and the financial viability for insurance companies. Some stakeholders have raised concerns that mandating extensive coverage without cost-sharing might lead to increased premiums for all policyholders, thereby shifting the financial burden. Additionally, there are discussions about ensuring that the provisions for children with autism spectrum disorder do not result in unintended consequences or limit coverage for other medical needs.