Pennsylvania 2025_0 Regular Session Status: In Committee Bipartisan · 9 D · 4 R cosponsors

SB 318 — An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, providing for coverage for postacute neurorehabilitation.

Last action — Referred to BANKING AND INSURANCE, Feb. 26, 2025

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  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill is in committee in the Senate. Introduced February 26, 2025. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the Senate.

Prognosis

Advancing 42% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • In Committee

    Current position in the legislative process.

  • 13 sponsors

    1 primary, 12 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (9 D · 4 R) — cross-party backing.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Summary

Ensuring Coverage for Post-Acute Neuro-Rehabilitation

Bill Text

How this bill changes current law

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AI-generated reading aid from the bill's amendatory text — verify against the official bill.

The bill mandates coverage for postacute neurorehabilitation under certain health insurance policies in Pennsylvania.

  • The Insurance Company Law of 1921

    Section 635.11. Coverage for Postacute Neurorehabilitation.--(a) All group or individual health or sickness or accident insurance policies providing hospital or medical/surgical coverage and all group or individual subscriber contracts or certificates issued by any entity subject to 40 Pa.C.S. Ch. 61 (relating to hospital plan corporations) or 63 (relating to professional health services plan corporations), this act, the act of December 29, 1972 (P.L.1701, No.364), known as the Health Maintenance Organization Act, or an employe welfare benefit plan as defined in section 3 of the Employee Retirement Income Security Act of 1974 (Public Law 93-406, 29 U.S.C. § 1001 et seq.) providing hospital or medical/surgical coverage shall also provide coverage for postacute neurorehabilitation for an acquired brain injury. Coverage under this section shall include medically necessary treatment related to or as a result of an acquired brain injury, including cognitive communication therapy, cognitive rehabilitation therapy, neurobehavioral therapy, neurophysiological testing and treatment, neuropsychological testing and treatment, functional rehabilitation therapy, community reintegration services, postacute transitional rehabilitation treatment and day rehabilitation treatment and provide for such services as needed in facility and home and community-based settings.

    This addition creates a new requirement for health insurance policies to cover specific neurorehabilitation services for individuals with acquired brain injuries.

  • The Insurance Company Law of 1921

    (b) Prior to payment for postacute neurorehabilitation services, an insurer shall verify that the neurorehabilitation individual practitioners and treatment facilities provide services within the scope of the services provided under a Commission on Accreditation of Rehabilitation Facilities accredited rehabilitation program for brain injury or another nationally recognized accredited rehabilitation program for brain injury and are qualified to provide postacute care rehabilitation services through possession of the appropriate licenses, accreditation, training and experience deemed customary and routine in the trade practice and according to criteria set out in the Office of Long-Term Living's Home and Community-Based Community HealthChoices Waiver.

    This clause requires insurers to verify the qualifications of providers of neurorehabilitation services before reimbursement.

  • The Insurance Company Law of 1921

    (c) Coverage under this section may not limit the number of days of covered postacute care, including any therapy or treatment or rehabilitation, testing, remediation or other service described under this section, or the number of days of covered inpatient care to the extent that the treatment or care is determined to be medically necessary as a result of and related to an acquired brain injury.

    This provision ensures unlimited covered days of postacute care and related therapies as long as they are deemed medically necessary.

  • The Insurance Company Law of 1921

    (d) Coverage under this section shall not be subject to any greater deductible, coinsurance, copayments or out-of-pocket limits than any other benefit provided by the Insurance Department.

    This stipulation aligns the cost-sharing requirements for neurorehabilitation coverage with those of other health benefits.

  • The Insurance Company Law of 1921

    (e) The Insurance Department shall promulgate rules and regulations that require an insurer to provide adequate training to personnel responsible for preauthorization of coverage or utilization review for services under this section.

    This mandates the Insurance Department to establish regulations for training related to the preauthorization process for neurorehabilitation services.

  • The Insurance Company Law of 1921

    (f) This section shall not apply to the following types of policies: (1) Accident only. (2) Limited benefit. (3) Credit. (4) Dental. (5) Vision. (6) Specified disease. (7) Medicare supplement. (8) Civilian Health and Medical Program of the Uniformed Services supplement. (9) Long-term care or disability income. (10) Workers' compensation. (11) Automobile medical payment. (12) Fixed indemnity. (13) Hospital indemnity.

    This specifies the types of insurance policies to which the new coverage requirements do not apply.

Action History

  1. Referred to BANKING AND INSURANCE, Feb. 26, 2025

Sponsors

Sponsorship breakdown

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1 sponsors · 12 co-sponsors · 240 not signed on

Sponsors (1)

Co-sponsors (12)

Not signed on (240)

240 members have not signed on to this bill.

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"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

healthcare health-insurance
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Frequently asked questions

What does SB 318 do?
Ensuring Coverage for Post-Acute Neuro-Rehabilitation
Who sponsors SB 318?
SB 318 is sponsored by John I. Kane (Democratic), Rosemary M. Brown (Republican), Judy Ward (Republican), Timothy P. Kearney (Democratic), Vincent J. Hughes (Democratic), Wayne D. Fontana (Democratic), Art Haywood (Democratic), Christine M. Tartaglione (Democratic), Jay Costa (Democratic), Frank A. Farry (Republican), Daniel Laughlin (Republican), Steven J. Santarsiero (Democratic), and James Andrew Malone (Democratic).
What is the current status of SB 318?
This bill is in committee in the Senate. Introduced February 26, 2025. It must pass committee before a floor vote.
Where can I track SB 318?
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Last checked for changes 4 months ago · updated continuously

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