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SB 111

Coverage for living organ donors.

2025 Regular Session Introduced by David Abbott and 19 co-sponsors

SB 111 mandates Indiana health insurance coverage for living organ donors' surgical costs and donation-related complications, removing financial barriers to life-saving organ donation.

First reading: referred to Committee on Insurance
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Bill Summary · SB 111

Legislative bill overview

SB 111 requires Indiana health insurance plans to cover medical expenses and complications related to living organ donation. The bill ensures that individuals who donate organs while living receive comprehensive insurance coverage for both the donation procedure itself and any long-term health complications that may result from the surgery.

Why is this important

Living organ donation is a critical source of transplantable organs, but donors often face significant out-of-pocket medical costs that may discourage participation. By mandating insurance coverage, the bill removes a financial barrier that could increase the number of people willing to become living donors, potentially saving lives while protecting donors from unexpected expenses and medical debt.

Potential points of contention

  • Insurance cost impact: Insurers may argue that mandated coverage increases premiums for all policyholders, raising costs for those who never become donors
  • Definition of complications: Disputes may arise over what constitutes a "donation-related" complication and how long coverage extends, potentially creating claims litigation
  • Coverage gaps for uninsured: The bill may not address living donors without insurance or with inadequate coverage, creating equity concerns about who benefits from this protection

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

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