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HB 1412

Coverage for cognitive rehabilitation services.

2026 Regular Session Introduced by Chris Campbell and 1 co-sponsor

HB 1412 mandates Indiana health insurance coverage for cognitive rehabilitation services, expanding access to brain injury and neurological recovery treatments previously excluded from many plans.

Coauthored by Representative Campbell
0
WeVote Research Nonpartisan
Bill Summary · HB 1412

Legislative bill overview

HB 1412 would require health insurance coverage for cognitive rehabilitation services in Indiana. The bill appears designed to ensure that individuals recovering from brain injuries, strokes, or neurological conditions can access rehabilitation therapies through their insurance plans rather than bearing full out-of-pocket costs.

Why is this important

Cognitive rehabilitation can be expensive, often costing thousands of dollars per patient, making it inaccessible to many without insurance coverage. Without this mandate, patients may be forced to choose between recovery treatment and financial hardship, potentially leading to worse long-term health outcomes and increased reliance on public assistance programs.

Potential points of contention

  • Insurance cost increases: Insurers and employers may argue that mandating coverage increases premiums, and some consumers may pay more even if they never use these services
  • Defining "cognitive rehabilitation": Disputes may arise over which specific therapies qualify for coverage, potentially creating inconsistencies in what patients can actually access
  • Medical necessity standards: Questions about whether coverage should require physician referral, specific diagnoses, or demonstrated likelihood of recovery to prevent overutilization

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

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