Relative to cognitive rehabilitation for individuals with an acquired brain injury
Impact
If enacted, this legislation would significantly alter the landscape of healthcare for individuals with cognitive impairments by requiring insurance providers to cover medically necessary treatments. This includes therapies such as cognitive communication therapy, neurofeedback therapy, and community reintegration services. The aim is to promote recovery and improve the quality of life for those affected by brain injuries. Importantly, the bill also prohibits insurers from imposing unreasonable limits on the number of covered sessions and treatment days, reflecting a commitment to comprehensive patient care.
Summary
House Bill H1151, proposed by Representative Kimberly N. Ferguson and others, is designed to mandate healthcare insurance coverage for cognitive rehabilitation services for individuals who have suffered from an acquired brain injury (ABI). The bill seeks to amend several sections of the General Laws of Massachusetts to include specific definitions and provisions related to cognitive rehabilitation therapies, ensuring these services are covered under various health insurance plans. The bill defines ABI as any brain injury occurring after birth that impacts cognitive functions, resulting in a need for specialized therapeutic interventions.
Contention
There are points of contention regarding the capabilities of insurance companies to adapt to these changes. Advocates for the bill argue that such coverage is essential for aiding recovery and reintegration into society, which can help mitigate the long-term costs associated with untreated brain injuries. Opponents could raise concerns about the potential increase in insurance premiums or the burden on healthcare systems overwhelmed by the costs of mandated services. Balancing the provision of necessary care while ensuring the sustainability of insurance plans will be critical as the bill progresses through legislative discussions.
Insurance: health insurers; coverage for medically necessary treatment related to or as a result of an acquired brain injury; require. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406cc.