HEALTH/ACC INSURANCE: Provides for health insurance. (8/1/26)

SB 363 requires health insurance companies in Louisiana to provide medically necessary treatments as determined by a patient's treating provider, prohibiting substitutions with less intensive care solely based on cost-saving measures. It directly affects health insurance issuers and patients who might face denied or downgraded care. The bill defines "lower level of care" as less intensive treatment than recommended by the provider and specifies that substitutions are only allowed if consistent with standard medical practice and clinically appropriate. This policy change aims to prevent insurers from overriding provider recommendations for financial reasons. The bill is currently pending referral to the Insurance Committee after being prefaced in February 2026.