AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR CLOSURE OF A PATENT FORAMEN OVALE.

SB 1013 requires all individual and group health insurance policies in the state to cover the medical procedure for closing a patent foramen ovale (PFO), a specific heart condition where a hole in the heart fails to close after birth. This bill directly affects health insurance plans and individuals diagnosed with PFO who need this procedure. The key provision mandates that insurers must include coverage for the PFO closure procedure in all standard health insurance policies, eliminating the need for separate authorization or coverage exceptions. The bill does not specify cost-sharing details but ensures the procedure is covered under existing plans. It applies broadly to all covered health insurance policies, not just specific plan types.