ENERGY-VARIOUS
What changed between versions
Requires group and individual accident and health insurance policies to cover habilitative and rehabilitative speech therapy for stuttering in children under 19, removing the previous distinction between developmental and acquired stuttering.
Establishes new administrative requirements for providers to submit medical records and treatment plans to insurers to substantiate the medical necessity of continued therapy.
Adds specific definitions for 'habilitative services' (enhancing ability to function with congenital or early acquired disorders) and 'rehabilitative services' (restoring lost skills), explicitly including speech therapy for stuttering.
Clarifies that coverage applies to children under 19 with diagnosed congenital, genetic, or early acquired disorders, provided the treatment is medically necessary and administered by licensed professionals.