Bill > HB1412

This bill requires accident and sickness insurance policies and health maintenance organizations (HMOs) to cover medically necessary acquired brain injury treatment for individuals, with this coverage taking effect for policies issued, delivered, or renewed after June 30, 2026. An "acquired brain injury" is defined as an injury to the brain that occurs after birth and is caused by various factors including infectious diseases, metabolic or endocrine disorders, lack of oxygen, brain tumors, toxins, blood supply issues to the brain, strokes, traumatic brain injuries, or other related conditions. The bill specifies that "medically necessary acquired brain injury treatment" includes a range of therapies such as cognitive rehabilitation therapy (helping individuals relearn impaired cognitive skills), cognitive communication therapy (addressing cognitive impairments affecting communication), neurocognitive therapy, neurobehavioral therapy, neurofeedback therapy, neuropsychological therapy, postacute residential treatment (integrated medical and therapeutic services in a home and community setting), functional rehabilitation therapy (emphasizing learning by doing to relearn specific tasks), and community reintegration services (therapeutic training to help individuals participate in life, employment, school, and their community). Importantly, this required coverage cannot have any lifetime limits and any annual limitations, deductibles, copayments, or coinsurance must not be more restrictive than those generally applied to the policy, with any annual limits needing to be stated separately. Additionally, practitioners and treatment facilities providing these services must hold the appropriate licenses, accreditation, training, and experience.

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https://iga.in.gov/legislative/2026/bills/house/1412/details