HS HCS HB 455 -- HEALTH INSURANCE (Thompson)

Effective January 1, 2004, this substitute requires health
insurance policies to provide coverage for prostheses and scalp
hair prostheses worn as a result of hair loss due to alopecia
areata or alopecia totalis (areas of hair loss or total hair
loss).

The insurance coverage for the prostheses and scalp hair
prostheses is limited to persons 18 years of age or younger.  The
substitute provides a maximum benefit amount up to $200 per
calendar year and a lifetime maximum benefit amount of $3,200.
Covered persons can also request a one-time benefit which will
not exceed $3,200.  Health insurers are not prohibited from
providing coverage that is greater or more favorable to covered
persons than is contained in the substitute.

Covered persons cannot be subject to any greater deductibles or
copayments than similar health care services covered by a policy,
contract, or plan.

Certain insurance polices such as supplemental policies and
specified disease policies are excluded from the provisions of
the substitute.

FISCAL NOTE:  Estimated Net Cost to General Revenue Fund of
Unknown exceeding $40,000 in FY 2004, FY 2005, and FY 2006.
Estimated Net Cost to Patrol Highway Fund of $5,985 in FY 2004,
$11,970 in FY 2005, and $11,970 in FY 2006.  Estimated Net Cost
to Highway Fund of $21,972 in FY 2004, $43,944 in FY 2005, and
$43,944 in FY 2006.  Estimated Net Cost to Conservation Fund of
Unknown in FY 2004, FY 2005, and FY 2006.  Estimated Net Income
to Insurance Dedicated Fund of $8,000 in FY 2004, $0 in FY 2005,
and $0 in FY 2006.

Missouri House of Representatives
Last Updated July 25, 2003 at 10:12 am