AN ACT PROHIBITING HEALTH INSURANCE COMPANIES FROM UNILATERALLY LIMITING HEALTH INSURANCE COVERAGE FOR SPECIAL NEEDS CHILDREN.

SB 392 prohibits health insurance companies from unilaterally restricting coverage for special needs children, specifically including physical therapy, occupational therapy, speech pathology, and feeding therapy services. The bill directly affects families of special needs children who previously faced arbitrary insurance denials for these critical therapies. It requires insurers to provide these covered services without unilaterally limiting or denying them, amending state statutes to enforce this standard. This is a concrete policy change preventing insurers from making coverage decisions without input from families or providers.