HB 1412

                                                             Introduced Version
           HOUSE BILL No. 1412
                 _____
              DIGEST OF INTRODUCED BILL
Citations Affected: IC 27-8-14.9; IC 27-13-7-29.1.
Synopsis: Coverage for cognitive rehabilitation services. Requires a
policy of accident and sickness insurance and a health maintenance
organization to provide coverage for medically necessary acquired
brain injury treatment provided to certain individuals.
Effective: July 1, 2026.
              Errington, Campbell
   January 8, 2026, read first time and referred to Committee on Insurance.
2026  IN 1412—LS 6417/DI 154
                                                                                       Introduced
            Second Regular Session of the 124th General Assembly (2026)
 PRINTING CODE. Amendments: Whenever an existing statute (or a section of the Indiana
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 between statutes enacted by the 2025 Regular Session of the General Assembly.
                   HOUSE BILL No. 1412
    A BILL FOR AN ACT to amend the Indiana Code concerning
 insurance.
     Be it enacted by the General Assembly of the State of Indiana:
1    SECTION 1. IC 27-8-14.9 IS ADDED TO THE INDIANA CODE
2 AS A NEW CHAPTER TO READ AS FOLLOWS [EFFECTIVE
3 JULY 1, 2026]:
4    Chapter 14.9. Coverage for Acquired Brain Injury Treatment
5    Sec. 1. This chapter applies to a policy of accident and sickness
6 insurance that is issued, delivered, or renewed after June 30, 2026.
7    Sec. 2. As used in this chapter, "acquired brain injury" means
8 an injury to the brain that:
9      (1) occurs after birth; and
10      (2) is caused by:
11(A) an infectious disease;
12(B) a metabolic disorder;
13(C) an endocrine disorder;
14(D) diminished oxygen;
15(E) a brain tumor;
16(F) a toxin;
17(G) a disease that affects the blood supply to the brain;
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1(H) a stroke;
2(I) a traumatic brain injury; or
3(J) any other related disease, disorder, or condition.
4    Sec. 3. As used in this chapter, "cognitive communication
5 therapy" means therapy designed to address cognitive
6 impairments that:
7      (1) are caused by an acquired brain injury; and
8      (2) affect all modalities of comprehension and expression,
9      including reading, writing, and verbal expression of
10      information.
11    Sec. 4. As used in this chapter, "cognitive rehabilitation
12 therapy" means therapy that is designed to help an individual
13 relearn cognitive skills that have been impaired due to an acquired
14 brain injury.
15    Sec. 5. As used in this chapter, "community reintegration
16 services" means services that provide therapeutic training to
17 develop skills essential for an individual who has experienced an
18 acquired brain injury to:
19      (1) participate in life;
20      (2) reenter employment;
21      (3) attend school;
22      (4) safely live independently; and
23      (5) participate in the individual's community.
24    Sec. 6. As used in this chapter, "functional rehabilitation
25 therapy" means a structured therapeutic approach to
26 rehabilitation for an acquired brain injury which emphasizes
27 learning by doing and focuses on relearning a specific task in a
28 prescribed format with maximum opportunity for repeated correct
29 practice.
30    Sec. 7. As used in this chapter, "insured" means an individual
31 who is entitled to coverage under a policy of accident and sickness
32 insurance.
33    Sec. 8. (a) As used in this chapter, "medically necessary
34 acquired brain injury treatment" means any treatment for an
35 acquired brain injury that is consistent with generally accepted
36 principles of professional medical practice.
37    (b) The term includes:
38      (1) cognitive rehabilitation therapy;
39      (2) cognitive communication therapy;
40      (3) neurocognitive therapy;
41      (4) neurobehavioral therapy;
42      (5) neurofeedback therapy;
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1      (6) neuropsychological therapy;
2      (7) postacute residential treatment;
3      (8) functional rehabilitation therapy; and
4      (9) community reintegration services.
5    Sec. 9. As used in this chapter, "neurobehavioral therapy"
6 means a set of medical and therapeutic assessments and treatments
7 focused on behavioral impairments associated with an acquired
8 brain injury.
9    Sec. 10. As used in this chapter, "neurocognitive therapy"
10 means therapeutic services designed to:
11      (1) address neurological deficits in informational processing
12      that are caused by an acquired brain injury; and
13      (2) facilitate the development of higher level cognitive abilities
14      after an individual has experienced an acquired brain injury.
15    Sec. 11. As used in this chapter, "neurofeedback therapy"
16 means therapeutic services that focus on direct training of brain
17 function to enhance an individual's:
18      (1) self-regulatory capacity; or
19      (2) ability to exert control over the individual's behavior,
20      thoughts, and feelings;
21 after the individual experiences an acquired brain injury.
22    Sec. 12. As used in this chapter, "neuropsychological therapy"
23 means a therapeutic intervention that is designed to improve or
24 minimize deficits in behavioral and cognitive processes that occur
25 as a result of an acquired brain injury.
26    Sec. 13. As used in this chapter, "policy of accident and sickness
27 insurance" has the meaning set forth in IC 27-8-5-1. The term does
28 not include a policy, plan, or coverage set forth in IC 27-8-5-2.5(a).
29    Sec. 14. As used in this chapter, "postacute residential
30 treatment" means integrated medical and therapeutic services,
31 treatments, education, and skills training provided in a home and
32 community setting after an individual experiences an acquired
33 brain injury.
34    Sec. 15. As used in this chapter, "practitioner" means an
35 individual who plays a role in the treatment of acquired brain
36 injuries.
37    Sec. 16. A policy of accident and sickness insurance shall
38 provide coverage for medically necessary acquired brain injury
39 treatment provided to an insured.
40    Sec. 17. The coverage required by this chapter shall not be
41 subject to any lifetime limitation provisions.
42    Sec. 18. The coverage required by this chapter shall not be
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1 subject to any annual limitation, deductible, copayment, or
2 coinsurance provisions that are more restrictive than the annual
3 limitation, deductible, copayment, or coinsurance provisions that
4 apply generally under the policy of accident and sickness
5 insurance. Any annual limitation on the coverage required by this
6 chapter shall be separately stated by the policy of accident and
7 sickness insurance.
8    Sec. 19. A practitioner and a treatment facility that provides
9 acquired brain injury treatment services to an insured shall possess
10 the appropriate licenses, accreditation, training, and experience
11 deemed customary and routine in the appropriate trade practice.
12    SECTION 2. IC 27-13-7-29.1 IS ADDED TO THE INDIANA
13 CODE AS A NEW SECTION TO READ AS FOLLOWS
14 [EFFECTIVE JULY 1, 2026]: Sec. 29.1. (a) This section applies to an
15 individual contract or a group contract that is entered into,
16 amended, or renewed after June 30, 2026.
17    (b) The following definitions apply throughout this section:
18      (1) "Acquired brain injury" means an injury to the brain
19      that:
20(A) occurs after birth; and
21(B) is caused by:
22(i) an infectious disease;
23(ii) a metabolic disorder;
24(iii) an endocrine disorder;
25(iv) diminished oxygen;
26(v) a brain tumor;
27(vi) a toxin;
28(vii) a disease that affects the blood supply to the brain;
29(viii) a stroke;
30(ix) a traumatic brain injury; or
31(x) any other related disease, disorder, or condition.
32      (2) "Cognitive communication therapy" means therapy
33      designed to address cognitive impairments that:
34(A) are caused by an acquired brain injury; and
35(B) affect all modalities of comprehension and expression,
36including reading, writing, and verbal expression of
37information.
38      (3) "Cognitive rehabilitation therapy" means therapy that is
39      designed to help an individual relearn cognitive skills that
40      have been impaired due to an acquired brain injury.
41      (4) "Community reintegration services" means services that
42      provide therapeutic training to develop skills essential for an
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1individual who has experienced an acquired brain injury to:
2(A) participate in life;
3(B) reenter employment;
4(C) attend school;
5(D) safely live independently; and
6(E) participate in the individual's community.
7(5) "Functional rehabilitation therapy" means a structured
8therapeutic approach to rehabilitation for an acquired brain
9injury which emphasizes learning by doing and focuses on
10relearning a specific task in a prescribed format with
11maximum opportunity for repeated correct practice.
12(6) "Medically necessary acquired brain injury treatment"
13means any treatment for an acquired brain injury that is
14consistent with generally accepted principles of professional
15medical practice. The term includes:
16(A) cognitive rehabilitation therapy;
17(B) cognitive communication therapy;
18(C) neurocognitive therapy;
19(D) neurobehavioral therapy;
20(E) neurofeedback therapy;
21(F) neuropsychological therapy;
22(G) postacute residential treatment;
23(H) functional rehabilitation therapy; and
24(I) community reintegration services.
25(7) "Neurobehavioral therapy" means a set of medical and
26therapeutic assessments and treatments focused on behavioral
27impairments associated with an acquired brain injury.
28(8) "Neurocognitive therapy" means therapeutic services
29designed to:
30(A) address neurological deficits in informational
31processing that are caused by an acquired brain injury;
32and
33(B) facilitate the development of higher level cognitive
34abilities after an individual has experienced an acquired
35brain injury.
36(9) "Neurofeedback therapy" means therapeutic services that
37focus on direct training of brain function to enhance an
38individual's:
39(A) self-regulatory capacity; or
40(B) ability to exert control over the individual's behavior,
41thoughts, and feelings;
42after the individual experiences an acquired brain injury.
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1      (10) "Neuropsychological therapy" means a therapeutic
2      intervention that is designed to improve or minimize deficits
3      in behavioral and cognitive processes that occur as a result of
4      an acquired brain injury.
5      (11) "Postacute residential treatment" means integrated
6      medical and therapeutic services, treatments, education, and
7      skills training provided in a home and community setting
8      after an individual experiences an acquired brain injury.
9      (12) "Practitioner" means an individual who plays a role in
10      the treatment of acquired brain injuries.
11    (c) An individual contract or a group contract shall provide
12 coverage for medically necessary acquired brain injury treatment
13 provided to an enrollee.
14    (d) The coverage required by this section shall not be subject to
15 any lifetime limitation provisions.
16    (e) The coverage required by this section shall not be subject to
17 any annual limitation, deductible, copayment, or coinsurance
18 provisions that are more restrictive than the annual limitation,
19 deductible, copayment, or coinsurance provisions that apply
20 generally under the individual contract or the group contract. Any
21 annual limitation on the coverage required by this section shall be
22 separately stated by the individual contract or group contract.
23    (f) A practitioner and a treatment facility that provides
24 acquired brain injury treatment services to an enrollee shall
25 possess the appropriate licenses, accreditation, training, and
26 experience deemed customary and routine in the appropriate trade
27 practice.
 2026  IN 1412—LS 6417/DI 154