Bluegrass State lawmakers will be requiring state-regulated health insurers to provide several new benefits.
Kentucky Department of Insurance officials summarize the changes in Kentucky Bulletin 2008-02, which describes insurance laws adopted by the 2008 Kentucky General Assembly.
In addition to several laws implementing federal laws and models from the National Association of Insurance Commissioners, Kansas City, Mo., such as a military sales law, lawmakers adopted:
- A mammogram mandate.
- A colon and rectal cancer screening mandate. Starting Jan. 1, 2009, carriers must cover “all colorectal cancer examinations and laboratory tests specified in the current American Cancer Society guidelines” for individuals ages 50 and older, and for younger individuals who appear to be at high risk for developing colorectal cancer.
- A metabolic disorders nutrition mandate. Carriers that cover prescription drugs also will have to provide up to $25,000 per year in coverage for therapeutic foods, formulas, supplements and low-protein modified food products, and up to $4,000 in coverage for low-protein modified foods.
Kentucky also will be requiring insurers to give it information about paid-up life policies, so that the state can help policyholders with inquiries if policies are lost or the issuers go through mergers or acquisitions, officials say.