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HB 5327

AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR RECONSTRUCTIVE SURGERY FOLLOWING MELANOMA SURGERY ON THE FACE.

2025 Regular Session Introduced by Frank Smith

Connecticut bill requires health insurers to cover facial reconstructive surgery following melanoma removal to prevent patient financial burden and ensure access to medically necessary post-cancer treatment.

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Bill Summary · HB 5327

Legislative bill overview

HB 5327 mandates that health insurance plans in Connecticut cover reconstructive surgery on the face following melanoma removal surgery. The bill specifically addresses cosmetic and functional reconstruction needed after cancer treatment on facial areas, ensuring insurance doesn't exclude these procedures as merely "cosmetic."

Why is this important

Melanoma removal on the face often creates significant disfigurement that affects both function and quality of life. Without insurance coverage requirements, patients may face substantial out-of-pocket costs for reconstructive procedures, potentially deterring necessary follow-up care or creating financial hardship for cancer survivors.

Potential points of contention

  • Cosmetic vs. reconstructive distinction: Insurance companies may argue about which procedures are medically necessary versus elective cosmetic surgery, potentially leading to coverage disputes and appeals
  • Cost implications: Insurers will likely oppose expanded coverage requirements due to increased claims costs, which could translate to higher premiums for all policyholders
  • Scope definition: The bill's language about "reconstructive surgery" may be vague, creating disagreement over which specific procedures qualify for mandatory coverage and potentially leading to inconsistent implementation

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

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