Ind. Code ch. 27-8-6

in effect

Ind. Code § 27-8-6-0.1 Application of certain amendments to chapter

Sec. 0.1. The addition of section 4 of this chapter by P.L.153-1990 applies to a group or an individual policy or agreement providing comprehensive accident and health benefits that is issued, entered into, or renewed after June 30, 1990. As added by P.L.220-2011, SEC.437.

Ind. Code § 27-8-6-1 Professional services for which reimbursement authorized

Sec. 1. Notwithstanding any provision of any individual or group policy of accident and health insurance, or any provision of a policy, contract, plan, or agreement for hospital or medical service or indemnity, wherever such policy, contract, plan, or agreement provides for reimbursement for any service which is in the lawful scope of practice of a duly licensed dentist, health service provider in psychology, podiatrist, osteopath, optometrist, or chiropractor, the person entitled to benefits or the person performing services under the policy, contract, plan, or agreement shall be entitled to reimbursement on an equal basis for such service, whether the service is performed by a physician, dentist, health service provider in psychology, podiatrist, osteopath, optometrist, or chiropractor duly licensed under the laws of this state. Formerly: Acts 1969, c.409, s.1; Acts 1974, P.L.126, SEC.1. As amended by P.L.260-1985, SEC.1.

Ind. Code § 27-8-6-2 Prior policies

Sec. 2. The provisions of section 1 of this chapter shall not apply to any policy, contract, plan, or agreement in effect prior to May 1, 1969. Formerly: Acts 1969, c.409, s.2. As amended by P.L.252-1985, SEC.311.

Ind. Code § 27-8-6-3 Application of amendments by Acts 1974, P.L.126

Sec. 3. The amendments to this chapter made by Acts 1974, P.L.126 do not apply to a policy, contract, plan, or agreement in effect before June 11, 1974. As added by P.L.1-1989, SEC.55.

Ind. Code § 27-8-6-4 Reimbursement for services; application of section; prohibitions excluded

Sec. 4. (a) This section does not apply to any of the following: (1) A health maintenance organization (as defined in IC 27-13-1-19) or limited service health maintenance organization (as defined in IC 27-13-34-4). (2) A preferred provider plan (as defined in IC 27-8-11-1). (3) An employee benefit program that is subject to the federal Employee Retirement Income Security Act (29 U.S.C. 1001 et seq.). (4) Worker's compensation for an injury to or occupational disease of an employee under IC 22-3. (b) A group or individual policy or agreement providing comprehensive accident and health benefits must reimburse an insured for services rendered by a provider licensed under IC 25-10 within the scope of that provider's license in the same manner as that policy or agreement reimburses an insured for services rendered by a provider licensed under IC 25-22.5 within the scope of that provider's license. The policy or agreement may not exclude or otherwise limit reimbursement for any service that a provider licensed under IC 25-10 renders under the scope of that provider's license in the diagnosis and treatment of any illness or injury. This section does not require that a health care policy or agreement cover a particular illness or injury. (c) This section does not prohibit the following: (1) The application of coinsurance and deductible provisions to providers licensed under IC 25-10 on the same basis as those provisions are applied to providers licensed under IC 25-22.5. (2) The application of cost containment or quality assurance measures to providers licensed under IC 25-10 on the same basis as those measures are applied to providers licensed under IC 25-22.5. (3) A review of the necessity of services that applies to services rendered by providers licensed under IC 25-10 on the same basis as the review applies to services provided by providers licensed under IC 25-22.5. As added by P.L.153-1990, SEC.1. Amended by P.L.26-1994, SEC.12.

Ind. Code § 27-8-6-5 Indemnity for services provided by certified registered nurse anesthetist

Sec. 5. (a) As used in this section, "certified registered nurse anesthetist" has the meaning set forth in IC 25-23-1-1.4. (b) As used in this section, "insured" means an individual who is entitled to the benefits provided by a policy of accident and sickness insurance. The term includes the following: (1) The policyholder of an individual policy of accident and sickness insurance. (2) A member of the group covered by a group policy of accident and sickness insurance. (3) An individual who is entitled to coverage under a policy of accident and sickness insurance as a spouse or dependent of an individual referred to in subdivision (1) or (2). (c) As used in this section, "insurer" has the meaning set forth in IC 27-1-2-3. (d) As used in this section, "policy of accident and sickness insurance" has the meaning set forth in IC 27-8-5-1. (e) An insurer that issued a policy of accident and sickness insurance that indemnifies an insured for anesthesiology services shall indemnify an insured under the policy for any covered anesthesiology services provided by a certified registered nurse anesthetist. As added by P.L.258-1995, SEC.1.

Ind. Code § 27-8-6-6 Coverage for athletic trainer services

Sec. 6. (a) As used in this section, "policy of accident and sickness insurance" has the meaning set forth in IC 27-8-5-1. However, the term does not include the following: (1) Accident only, credit, dental, vision, Medicare supplement, long term care, or disability income insurance. (2) Coverage issued as a supplement to liability insurance. (3) Automobile medical payment insurance. (4) A specified disease policy. (5) A short term insurance plan that: (A) may be renewed for the greater of: (i) thirty-six (36) months; or (ii) the maximum period permitted under federal law; (B) has a term of not more than three hundred sixty-four (364) days; and (C) has an annual limit of at least two million dollars ($2,000,000). (6) A policy that provides indemnity benefits not based on any expense incurred requirement, including a plan that provides coverage for: (A) hospital confinement, critical illness, or intensive care; or (B) gaps for deductibles or copayments. (7) A supplemental plan that always pays in addition to other coverage. (b) A policy of accident and sickness insurance that provides coverage for physical medicine and rehabilitative services shall provide the coverage for physical medicine and rehabilitative services that are: (1) rendered by an athletic trainer who is licensed under IC 25-5.1; and (2) within the athletic trainer's scope of practice. (c) This section does not require a policy of accident and sickness insurance to provide coverage for physical medicine or rehabilitative services generally. As added by P.L.133-2011, SEC.1. Amended by P.L.288-2019, SEC.8.

Ind. Code § 27-8-6-7 Coverage for substance abuse or chemical dependency treatment by addiction counselors, clinical addiction counselors, and marriage and family therapists

Sec. 7. (a) As used in this section, "policy of accident and sickness insurance" has the meaning set forth in IC 27-8-5-1. (b) A policy of accident and sickness insurance that provides coverage for substance abuse or chemical dependency treatment shall provide the coverage for substance abuse or chemical dependency treatment that is: (1) rendered by: (A) an addiction counselor; or (B) a clinical addiction counselor; who is licensed under IC 25-23.6-10.5; and (2) within the scope of practice of the addiction counselor or clinical addiction counselor. (c) A policy of accident and sickness insurance that provides coverage for substance abuse or chemical dependency treatment shall provide the coverage for substance abuse or chemical dependency treatment that is rendered by a marriage and family therapist licensed under IC 25-23.6-8 if the rendered service is within the scope of practice of the marriage and family therapist. (d) This section does not require a policy of accident and sickness insurance to provide coverage for substance abuse or chemical dependency treatment generally. As added by P.L.195-2018, SEC.17.

Ind. Code § 27-8-6-8 Reimbursement for emergency medical services

Sec. 8. (a) As used in this section, "emergency medical services" has the meaning set forth in IC 16-18-2-110. (b) As used in this section, "emergency medical services provider organization" means a provider of emergency medical services that is certified by the Indiana emergency medical services commission as an advanced life support provider organization under rules adopted under IC 16-31-3. (c) As used in this section, "policy of accident and sickness insurance" has the meaning set forth in IC 27-8-5-1. However, for purposes of this section, the term does not include the following: (1) Accident only, credit, dental, vision, Medicare supplement, long term care, or disability income insurance. (2) Coverage issued as a supplement to liability insurance. (3) Automobile medical payment insurance. (4) A specified disease policy. (5) A policy that provides a stipulated daily, weekly, or monthly payment to an insured without regard to the actual expense of the confinement. (6) A short term insurance plan (as defined in IC 27-8-5.9-3). (d) A policy of accident and sickness insurance that provides coverage for emergency medical services must provide reimbursement for emergency medical services that are: (1) rendered by an emergency medical services provider organization; (2) within the emergency medical services provider organization's scope of practice; (3) performed or provided as advanced life support services; and (4) performed or provided: (A) during a response initiated through the 911 system; or (B) as part of a mobile integrated healthcare program described in IC 16-31-12; regardless of whether the patient is transported. (e) Reimbursement for basic and advanced life support services through a policy to which this section applies must be provided on an equal basis regardless of whether the services involve transportation of the patient by ambulance. (f) If multiple emergency medical services provider organizations qualify and submit a claim for reimbursement under this section for an encounter, the insurer: (1) may reimburse under this section only for one (1) claim per patient encounter; and (2) shall reimburse the claim submitted by the emergency medical services provider organization that performed or provided the majority of advanced life support services for the patient. (g) The department may adopt rules under IC 4-22-2 to implement this section. (h) This section does not require a policy of accident and sickness insurance to provide coverage for emergency medical services. As added by P.L.115-2020, SEC.4. Amended by P.L.170-2022, SEC.37; P.L.93-2024, SEC.198; P.L.236-2025, SEC.11.

Source: Open US Law by Vaquill AI (CC BY 4.0)URL: https://iga.in.gov/laws/2026/ic/titles/27Fetched: 10/17/2026