Health insurance policies; require coverage for hearing aids and services for deaf and hearing impaired.
Impact
The bill stipulates that the required coverage must not be less than $1,400 per hearing aid every thirty-six months, which is a significant increase from previous policies that might not have addressed the needs of these individuals. Additionally, it ensures that no extra deductible or coinsurance is imposed for the necessary hearing examinations, thereby facilitating better access to essential treatments without financial barriers. This change in state law is set to come into effect on July 1, 2022, and is intended to align Mississippi's healthcare policies with broader standards of care for the deaf and hearing impaired.
Summary
Senate Bill 2644 is an act introduced in the Mississippi Legislature designed to mandate coverage for hearing aids and services related to the treatment of individuals who are deaf or hearing impaired. Under this bill, all individual and group health insurance policies, as well as managed healthcare delivery entities, are required to provide benefits for hearing aids and associated services. Coverage is contingent on a written order from a prescribing physician confirming the individual's deafness or hearing impairment and the medical necessity of the treatment. This legislation aims to enhance healthcare accessibility for individuals with hearing disabilities.
Contention
While the bill represents a step forward in supporting the medical needs of deaf and hearing-impaired individuals, it may spark debates regarding the financial implications for insurance providers. Opponents might raise concerns about the potential for increased premiums as insurers adapt to the new coverage requirements. Furthermore, stakeholders may argue about the sustainability of funding these benefits, especially in a state where healthcare funding can be contentious. The necessity for insurance companies to provide these services may also stimulate discussions regarding the overall adequacy of health insurance coverage in the state.
Mental health: hospitalization; person requiring treatment; revise, and modify certain procedures for treatment. Amends secs. 401, 427, 430, 461, 468, 472a & 475 of 1974 PA 258 (MCL 330.1401 et seq.).
Mental health: hospitalization; person requiring treatment; revise, and modify certain procedures for treatment. Amends secs. 401, 427, 430, 461, 468, 472a & 475 of 1974 PA 258 (MCL 330.1401 et seq.).
Mental health: hospitalization; person requiring treatment; revise, and modify certain procedures for treatment. Amends secs. 401, 427, 430, 461, 468, 472a & 475 of 1974 PA 258 (MCL 330.1401 et seq.).