CODE OF VIRGINIA

COVERAGE FOR EARLY INTERVENTION SERVICES (§ 38.2-3418.5)

A. Notwithstanding the provisions of § 38.2-3419, each insurer proposing to
issue individual or group accident and sickness insurance policies providing
hospital, medical and surgical, or major medical coverage on an expense-incurred
basis; each corporation providing individual or group accident and sickness
subscription contracts; and each health maintenance organization providing a
health care plan for health care services shall provide coverage for medically
necessary early intervention services under such policy, contract or plan
delivered, issued for delivery or renewed in this Commonwealth on and after July
1, 1998. Such coverage shall be limited to a benefit of $ 5,000 per insured or
member per policy or calendar year and, except as set forth in subsection C,
shall be subject to such dollar limits, deductibles and coinsurance factors as
are no less favorable than for physical illness generally.

B. For the purpose of this section, “early intervention services”
means medically necessary speech and language therapy, occupational therapy,
physical therapy and assistive technology services and devices for dependents
from birth to age three who are certified by the Department of Behavioral Health
and Developmental Services as eligible for services under Part H of the
Individuals with Disabilities Education Act (20 U.S.C. § 1471 et seq.).
“Medically necessary early intervention services for the population
certified by the Department of Behavioral Health and Developmental
Services” shall mean those services designed to help an individual attain
or retain the capability to function age-appropriately within his environment,
and shall include services that enhance functional ability without effecting a
cure.

C. The cost of early intervention services shall not be applied to any
contractual provision limiting the total amount of coverage paid by the insurer,
corporation or health maintenance organization to or on behalf of the insured or
member during the insured’s or member’s lifetime.

D. “Financial costs,” as used in this section, shall mean any
copayment, coinsurance, or deductible in the policy or plan. Financial costs may
be paid through the use of federal Part H program funds, state general funds, or
local government funds appropriated to implement Part H services for families
who may refuse the use of their insurance to pay for early intervention services
due to a financial cost.

E. The provisions of this section shall not apply to short-term travel, accident
only, limited or specified disease policies, policies or contracts designed for
issuance to persons eligible for coverage under Title XVIII of the Social
Security Act, known as Medicare, or any other similar coverage under state or
governmental plans or to short-term nonrenewable policies of not more than six
months’ duration.

F. The provisions of this section shall not apply in any instance in which the
provisions of this section are inconsistent or in conflict with a provision of
Article 6 (§ 38.2-3438 et seq.) of Chapter 34.

HISTORY: 1998, c. 625; 2009, cc. 813, 840; 2011, c. 882.