Bill Text: TX SB996 | 2013-2014 | 83rd Legislature | Introduced

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Bill Title: Relating to health benefit plan coverage for brain injury.

Sponsorship: Bipartisan Bill

Status: (Introduced - Dead) 2013-03-12 - Referred to State Affairs [SB996 Detail]

Download: Texas-2013-SB996-Introduced.html

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83R48 DLF-D
By: Deuell, Van de Putte S.B. No. 996

A BILL TO BE ENTITLED
AN ACT
relating to health benefit plan coverage for brain injury.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:
SECTION 1. Section 1352.001, Insurance Code, is amended by
amending Subsection (b) and adding Subsections (c) and (d) to read
as follows:
(b) Notwithstanding any provision in Chapter 1551, 1575,
1579, or 1601 or any other law, this chapter applies to:
(1) a basic coverage plan under Chapter 1551;
(2) a basic plan under Chapter 1575;
(3) [(2)] a primary care coverage plan under Chapter
1579; and
(4) [(3)] basic coverage under Chapter 1601.
(c) This chapter applies to group health coverage made
available by a school district in accordance with Section 22.004,
Education Code.
(d) Notwithstanding Section 172.014, Local Government Code,
or any other law, this chapter applies to health and accident
coverage provided by a risk pool created under Chapter 172, Local
Government Code.
SECTION 2. Section 1352.003, Insurance Code, is amended by
amending Subsections (c) and (d) and adding Subsections (c-1) and
(c-2) to read as follows:
(c) A health benefit plan may not include, in any annual or
lifetime limitation on the number of days of acute care treatment
covered under the plan, any post-acute care treatment covered under
the plan. Any limitation imposed under the plan on days of the
post-acute care treatment required by this chapter is subject to
Subsections (c-1) and (c-2) and must be clearly and separately
stated in the plan using language that specifically identifies each
therapy or treatment or rehabilitation, testing, remediation, or
other service described by Subsections (a) and (b) that is subject
to the limitation. A provision that purports to limit the number of
days of treatment under a health benefit plan that does not
specifically identify a particular therapy or treatment or testing,
remediation, or other service described by Subsection (a) or (b) is
void as applied to that therapy, treatment, or service. This
subsection does not authorize a limitation on the number of days of
treatment that is otherwise prohibited by state or federal law.
(c-1) Notwithstanding Subsection (c), a health benefit plan
may not limit the number of days of covered post-acute care,
including any therapy or treatment or rehabilitation, testing,
remediation, or other service described by Subsections (a) and (b),
or the number of days of covered inpatient care to the extent that
the treatment or care is determined to be medically necessary as a
result of and related to an acquired brain injury. The insured's or
enrollee's treating physician shall determine whether treatment or
care is medically necessary for purposes of this subsection in
consultation with the treatment or care provider, the insured or
enrollee, and, if appropriate, members of the insured's or
enrollee's family. The determination is subject to review under
Section 1352.006.
(c-2) A health benefit plan must provide coverage for
custodial care for an insured or enrollee if custodial care is
determined to be the appropriate level of care for the insured or
enrollee as a result of and related to an acquired brain injury.
Notwithstanding Subsection (c), a health benefit plan may not limit
the number of days of covered custodial care under this subsection.
The insured's or enrollee's treating physician shall determine
whether custodial care is the appropriate level of care for
purposes of this subsection in consultation with the care provider,
the insured or enrollee, and, if appropriate, members of the
insured's or enrollee's family. The determination is subject to
review under Section 1352.006 as if it were a determination of
medical necessity.
(d) Except as provided by Subsection (c), (c-1), or (c-2), a
health benefit plan must include the same payment limitations,
deductibles, copayments, and coinsurance factors for coverage
required under this chapter as applicable to other similar coverage
provided under the health benefit plan.
SECTION 3. Section 1352.007, Insurance Code, is amended by
adding Subsections (c), (d), (e), and (f) to read as follows:
(c) The issuer of a health benefit plan, including a
preferred provider benefit plan or health maintenance organization
plan, that contracts with a hospital to provide services under this
chapter to insureds and enrollees may not, solely because a
facility is an assisted living facility, refuse to contract with
that facility to provide services that are:
(1) required under this chapter; and
(2) within the scope of the license of the assisted
living facility.
(d) The issuer of a health benefit plan that requires or
encourages insureds or enrollees to use health care providers
designated by the plan shall ensure that the services required by
this chapter that are within the scope of the license of an assisted
living facility are made available and accessible to the insureds
or enrollees at an adequate number of assisted living facilities.
(e) A health benefit plan may not treat care provided in
accordance with this subchapter as custodial care solely because it
is provided by an assisted living facility.
(f) To ensure the health and safety of insureds and
enrollees, the commissioner by rule may require that an assisted
living facility that provides covered post-acute care other than
custodial care under this chapter to an insured or enrollee with
acquired brain injury meet specific criteria in addition to
licensure or obtain a nationally recognized accreditation
specified by the commissioner.
SECTION 4. Chapter 1352, Insurance Code, as amended by this
Act, applies only to a health benefit plan delivered, issued for
delivery, or renewed on or after January 1, 2014. A health benefit
plan delivered, issued for delivery, or renewed before January 1,
2014, is governed by the law in effect immediately before the
effective date of this Act, and that law is continued in effect for
that purpose.
SECTION 5. This Act takes effect September 1, 2013.