Connecticut House Bill HB05460

Connecticut 2024 Regular Session

• Introduced: 3/7/24
• Refer: 3/7/24

Caption

An Act Concerning Health Insurance Coverage For Ambulance Services.

Impact

The legislation is poised to have a significant impact on health insurance practices related to emergency medical services. By preventing insurance providers from denying payment to ambulance services based on lack of prior authorization, the bill aims to streamline emergency medical response and reduce the financial burden on patients seeking urgent care. This is particularly relevant in life-threatening situations, where any delay in receiving care can have dire consequences.

Summary

House Bill 5460 aims to amend existing health insurance regulations concerning ambulance services in Connecticut. The bill prohibits both individual and group health insurance policies from requiring enrollees to obtain prior authorization before calling a 9-1-1 emergency service in situations deemed as life or limb threatening emergencies. Such emergencies include any situation where immediate medical care is necessary to prevent death or serious impairment of health. This change is intended to ensure immediate access to emergency medical services without unnecessary administrative barriers.

Contention

While the bill has garnered support for its intent to facilitate quicker access to emergency care, there may be concerns regarding potential implications for insurance costs and provider accountability. Critics might argue that removing prior authorization could lead to increased misuse of emergency services, which might unexpectedly inflate healthcare costs. As discussions progress, it will be essential to address these concerns to ensure that the bill effectively balances access and accountability in emergency medical services.