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H.B. 347 Enrolled

             1     

INSURANCE COVERAGE FOR INFERTILITY TREATMENT

             2     
2014 GENERAL SESSION

             3     
STATE OF UTAH

             4     
Chief Sponsor: LaVar Christensen

             5     
Senate Sponsor: Curtis S. Bramble

             6     
             7      LONG TITLE
             8      General Description:
             9          This bill authorizes, at the discretion of the insurer, the use of the adoption indemnity
             10      benefit for infertility treatment.
             11      Highlighted Provisions:
             12          This bill:
             13          .    authorizes, at the discretion of the insurer, the use of the value of the adoption
             14      indemnity benefit for infertility treatment.
             15      Money Appropriated in this Bill:
             16          None
             17      Other Special Clauses:
             18          None
             19      Utah Code Sections Affected:
             20      AMENDS:
             21           31A-22-610.1 , as last amended by Laws of Utah 2006, Chapter 94
             22     
             23      Be it enacted by the Legislature of the state of Utah:
             24          Section 1. Section 31A-22-610.1 is amended to read:
             25           31A-22-610.1. Indemnity benefit for adoption or infertility treatments.
             26          (1) (a) (i) If an insured has coverage for maternity benefits on the date of an adoptive
             27      placement, the insured's policy shall provide an adoption indemnity benefit payable to the
             28      insured, if a child is placed for adoption with the insured within 90 days of the child's birth. If
             29      more than one child from the same birth is placed for adoption with the insured, only one


             30      adoption indemnity benefit is required.
             31          (ii) This section does not prevent an accident and health insurer from:
             32          (A) adjusting the benefit payable under this section for cost sharing measures imposed
             33      under the policy or contract for maternity benefit coverage; or
             34          (B) providing additional adoption indemnity benefits including:
             35          (I) extending the period of time after birth in which a child must be placed with an
             36      insured; or
             37          (II) providing a benefit in excess of the amount specified in Subsection (1)(c).
             38          (b) An insurer that has paid the adoption indemnity benefit under Subsection (1)(a)
             39      may seek reimbursement of the benefit if:
             40          (i) the postplacement evaluation disapproves the adoption placement; and
             41          (ii) a court rules the adoption may not be finalized because of an act or omission of an
             42      adoptive parent or parents that affects the child's health or safety.
             43          (c) (i) The amount of the adoption indemnity benefit provided under Subsection (1) is
             44      $4,000 subject to the adjustments permitted by Subsection (1)(a)(ii).
             45          (ii) An insurer may comply with the provisions of this section by providing the $4,000
             46      adoption indemnity benefit to an enrollee to be used for the purpose of the enrollee obtaining
             47      infertility treatments rather than seeking reimbursement for an adoption in accordance with
             48      terms designated by the insurer.
             49          (d) Each insurer shall pay its pro rata share of the adoption indemnity benefit if each
             50      adoptive parent:
             51          (i) has coverage for maternity benefits with a different insurer; and
             52          (ii) makes a claim for the adoption indemnity benefit provided in Subsection (1)(a).
             53          (2) If a policy offers optional maternity benefits, it shall also offer coverage for
             54      adoption indemnity benefits if:
             55          (a) a child is placed for adoption with the insured within 90 days of the child's birth;
             56      and
             57          (b) the adoption is finalized within one year of the child's birth.


             58          (3) If an insured qualifies for the adoption indemnity benefit under this section and
             59      receives services from a health care provider under contract with his insurer, the contracting
             60      health care provider may only collect from the insured the amount that the contracting health
             61      care provider is entitled to receive for such services under the contract, including any
             62      applicable copayment.
             63          (4) For purposes of this section, "contracting health care provider" means:
             64          (a) a "participating provider" as defined in Section 31A-8-101 ; or
             65          (b) a "preferred health care provider" as described in Section 31A-22-617 .


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