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SB 311

Coverage for living organ donors.

2025 Regular Session Introduced by Ed Charbonneau and 1 co-sponsor

Indiana bill mandates health insurance coverage for living organ donors' medical services, screenings, and donation-related complications to reduce financial barriers to organ donation.

Senator Crider added as second author
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Bill Summary · SB 311

Legislative bill overview

SB 311 expands health insurance coverage requirements for living organ donors in Indiana. The bill mandates that health insurance plans cover medical services, screenings, and complications related to organ donation procedures for living donors. This represents a policy shift to ensure donors receive comprehensive insurance protection for donation-related healthcare needs.

Why is this important

Living organ donation saves lives but can impose significant medical and financial burdens on donors, including screening costs, surgery, and long-term monitoring. Without explicit insurance coverage mandates, donors may face gaps in coverage or high out-of-pocket costs that discourage donation. This bill addresses a barrier to organ donation by protecting donors' financial interests and potentially increasing donation rates.

Potential points of contention

  • Insurance cost implications: Insurers may argue this expands covered services and increases premiums for all policyholders, though the fiscal impact depends on donation frequency
  • Definition scope: Ambiguity over what qualifies as "donation-related" complications and how long coverage extends could create disputes between insurers and donors
  • Self-insured plans: The bill's applicability to employer self-insured plans versus fully-insured plans may create coverage inconsistencies across different types of insurance arrangements

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

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