WeVote
Log In

Bill

JG

Bill

SB 392

AN ACT PROHIBITING HEALTH INSURANCE COMPANIES FROM UNILATERALLY LIMITING HEALTH INSURANCE COVERAGE FOR SPECIAL NEEDS CHILDREN.

2025 Regular Session Introduced by Jeff Gordon

Connecticut bill prohibits insurers from arbitrarily denying health coverage for special needs children without explicit justification, protecting vulnerable families from coverage restrictions.

REF. TO JOINT COMM. ON Insurance and Real Estate
#healthinsurance #specialneedschildren
0
WeVote Research Nonpartisan
Bill Summary · SB 392

Legislative bill overview

SB 392 would prohibit health insurance companies from unilaterally denying or limiting coverage for children with special needs without explicit authorization or justification. The bill aims to protect families from arbitrary insurance decisions that could leave vulnerable children without necessary medical care or treatments.

Why is this important

Families with special needs children often face significant medical expenses and rely heavily on insurance coverage for essential therapies, medications, and treatments. Insurance companies sometimes deny or restrict coverage based on medical policies that may not account for individual circumstances, leaving families with substantial out-of-pocket costs or forcing them to forgo necessary care.

Potential points of contention

  • Insurance industry costs: Insurers may argue that broader coverage mandates increase premiums for all policyholders and could reduce their ability to manage costs effectively
  • Defining "unilateral" limitations: Ambiguity about what constitutes an impermissible unilateral decision versus standard policy underwriting could create implementation challenges and litigation
  • Balancing coverage standards: The bill may lack clarity on whether it requires coverage for all requested treatments or only those meeting certain medical necessity standards, potentially leading to disputes over experimental versus established therapies

Compiled from official sources — confirm details with the bill’s official record.

Sign in to ask a question.