Bill > LD784

This bill establishes a "rebuttable presumption" in favor of first responders when their health insurance carrier denies coverage for specialized risk screening. A "first responder" is defined as an employee or volunteer of a government entity who provides fire, emergency medical, emergency communications, correctional, or police services. "Specialized risk screening" refers to a range of medically accepted tests, including those for certain cancers, blood work, mammograms, colonoscopies, prostate exams, indicators of inflammation, and tests for vitamin or mineral deficiencies. The bill creates a presumption that the insurance carrier acted without ordinary care if they deny coverage for these screenings when a first responder's provider deems them medically appropriate and potentially beneficial for preventive care. This presumption applies to adverse health care treatment decisions made by carriers on or after the bill's effective date.

Health and Social Services

https://legislature.maine.gov/legis/bills/display_ps.asp?LD=784&snum=132