Insurance, Health, Accident - As introduced, requires health benefit plans entered into, amended, or renewed on or after January 1, 2027, to provide coverage for services related to acquired brain injury; requires the commissioner of commerce and insurance to promulgate rules to provide a process for an expedited appeal of an adverse determination related to such coverage. - Amends TCA Title 8; Title 56 and Title 71.

SB 1795 requires all health insurance plans in Tennessee renewed or entered after January 1, 2027, to cover specific treatments for acquired brain injury (ABI), including cognitive rehabilitation, neurofeedback therapy, and community reintegration services. It directly affects health insurers (who must provide this coverage) and patients with ABI (who gain guaranteed access to these treatments). The bill prohibits lifetime or unreasonable annual limits on these services and mandates insurers to create an expedited appeal process for coverage denials related to ABI care. This policy change ensures broader access to critical ABI therapies without arbitrary coverage restrictions.