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| 1 | | (b) For the purpose of this Section, "medically necessary" |
| 2 | | means any care, treatment, intervention, service, or item that |
| 3 | | will or is reasonably expected to: |
| 4 | | (i) prevent the onset of an illness, condition, injury, |
| 5 | | disease, or disability; |
| 6 | | (ii) reduce or ameliorate the physical, mental, or |
| 7 | | developmental effects of an illness, condition, injury, |
| 8 | | disease, or disability; or |
| 9 | | (iii) assist the achievement or maintenance of maximum |
| 10 | | functional activity in performing daily activities. |
| 11 | | (c) The coverage required under this Section shall be |
| 12 | | subject to the same deductible, coinsurance, waiting period, |
| 13 | | cost sharing limitation, treatment limitation, calendar year |
| 14 | | maximum, or other limitations as provided for other physical or |
| 15 | | rehabilitative or occupational therapy benefits covered by the |
| 16 | | policy. |
| 17 | | (d) Upon request of the reimbursing insurer, the provider |
| 18 | | of the physical therapy or occupational therapy shall furnish |
| 19 | | medical records, clinical notes, or other necessary data that |
| 20 | | substantiate that initial or continued treatment is medically |
| 21 | | necessary and is resulting in approved clinical status. When |
| 22 | | treatment is anticipated to require continued services to |
| 23 | | achieve demonstrable progress, the insurer may request a |
| 24 | | treatment plan consisting of the diagnosis, proposed treatment |
| 25 | | by type, proposed frequency of treatment, anticipated duration |
| 26 | | of treatment, anticipated outcomes stated as goals, and |
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| 1 | | proposed frequency of updating the treatment plan. |
| 2 | | (e) When making a determination of medical necessity for |
| 3 | | treatment, an insurer must make the determination in a manner |
| 4 | | consistent with the manner in which that determination is made |
| 5 | | with respect to other diseases or illnesses covered under the |
| 6 | | policy, including an appeals process. During the appeals |
| 7 | | process, any challenge to medical necessity may be viewed as |
| 8 | | reasonable only if the review includes a licensed health care |
| 9 | | professional with the same category of license as the |
| 10 | | professional who ordered or referred the service in question |
| 11 | | and with expertise in the most current and effective treatment.
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| 12 | | (Source: P.A. 96-1227, eff. 1-1-11.)
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| 13 | | Section 99. Effective date. This Act takes effect upon |
| 14 | | becoming law.".
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