Rhode Island House Bill H5683

Rhode Island 2023 Regular Session

• Introduced: 2/17/23
• Refer: 2/17/23

Caption

Accident And Sickness Insurance Policies

Impact

The passing of HB 5683 would significantly impact how health insurance policies handle dental implant procedures in Rhode Island. By mandating coverage for these medically necessary procedures, the bill seeks to ensure that patients are not burdened with the full cost of such essential dental treatments. The legislation also introduces a reporting requirement for insurers regarding utilization and cost information, which aims to provide transparency and potentially streamline reimbursement processes within the state's health insurance framework.

Summary

House Bill 5683 is a legislative proposal focused on expanding insurance coverage for dental implants. It amends existing laws regarding accident and sickness insurance, specifically requiring individual or group health insurance contracts to provide coverage for medically necessary dental implants starting July 1, 2024. The term 'medically necessary' is defined within the bill and includes circumstances such as conditions due to decay, injuries, and cases requiring the replacement of missing teeth.

Contention

While supporters argue that this bill will improve access to necessary dental care for individuals who might not otherwise afford dental implants, there could be contention surrounding the financial implications for health insurance providers. Critics may raise concerns about the potential increase in insurance premiums as a result of covering these procedures. The definitions within the bill distinguishing between cosmetic and medically necessary procedures may also become a focal point of debate among stakeholders, particularly regarding what constitutes appropriate coverage.