Requires health benefits coverage of hearing aids and cochlear implants for insureds aged 21 or younger.
Impact
If enacted, S164 will necessitate that various health service corporations, medical service corporations, and health maintenance organizations include coverage for medically necessary expenses incurred in the purchasing of hearing aids and cochlear implants. This includes coverage for both ears, with a limit of one hearing aid per ear every 24 months. Additionally, treatment costs related to cochlear implants, including necessary procedures and accessories, must be covered, ensuring comprehensive support for affected individuals.
Summary
Senate Bill S164 requires health benefits coverage for hearing aids and cochlear implants for insured individuals aged 21 and younger. This bill amends existing legislation known as 'Grace's Law,' which previously provided such coverage only for individuals aged 15 years or younger. This legislative change aims to expand access to essential hearing aids and cochlear implants for a broader age group, thus supporting the needs of young individuals who may otherwise suffer from untreated auditory impairments.
Contention
The bill may face discussions on the implications regarding cost for insurers and potential impacts on premium pricing. Proponents argue that enhanced coverage is necessary for fostering better health outcomes for young patients, while opponents may express concerns over the financial burden it could impose on insurance systems. There may also be debate regarding the extent of coverage limits, as some parts of the bill allow insurers to cap the maximum benefit for hearing aids.