Ind. Code ch. 27-8-14.8

Ind. Code § 27-8-14.8-1 "Accident and sickness insurance policy"

Sec. 1. (a) As used in this chapter, "accident and sickness insurance policy" means an insurance policy that: (1) provides at least one (1) of the types of insurance described in IC 27-1-5-1, Classes 1(b) and 2(a); and (2) is issued on a group basis. (b) "Accident and sickness insurance policy" 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) Worker's compensation or similar insurance. (4) Automobile medical payment insurance. (5) A specified disease policy. (6) 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). (7) 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. (8) A supplemental plan that always pays in addition to other coverage. (9) A student health plan. (10) An employer sponsored health benefit plan that is: (A) provided to individuals who are eligible for Medicare; and (B) not marketed as, or held out to be, a Medicare supplement policy. As added by P.L.54-2000, SEC.2. Amended by P.L.173-2007, SEC.35; P.L.288-2019, SEC.16.

Ind. Code § 27-8-14.8-2 "Insured" defined

Sec. 2. As used in this chapter, "insured" means an individual who is entitled to coverage under an accident and sickness insurance policy. As added by P.L.54-2000, SEC.2.

Ind. Code § 27-8-14.8-3 Coverage for colorectal cancer screening; exception for grandfathered health plans

Sec. 3. (a) As used in this section, "follow-up colonoscopy" means a colonoscopy that is performed as a follow-up to a colorectal cancer screening test, other than a colonoscopy, that is assigned a grade of "A" or "B" by the United States Preventive Services Task Force and for which the result was positive. (b) Except as provided in subsection (e), an insurer shall provide coverage for colorectal cancer examinations and laboratory tests for cancer for any nonsymptomatic insured in any accident and sickness insurance policy that the insurer issues in Indiana or issues for delivery in Indiana. Except as provided in subsection (f), covered services must include: (1) a colorectal cancer screening test assigned either an "A" or "B" grade by the United States Preventive Services Task Force; and (2) a follow-up colonoscopy. (c) For an insured who is: (1) at least forty-five (45) years of age; or (2) less than forty-five (45) years of age and at high risk for colorectal cancer; the coverage required under this section must meet the requirements set forth in subsection (d), except as provided in subsection (f). (d) An insured may not be required to pay an additional annual deductible or coinsurance for the colorectal cancer examination and laboratory testing benefit required by this section that is greater than an annual deductible or coinsurance established for similar benefits under the accident and sickness insurance policy under which the insured is covered. If the accident and sickness insurance policy does not cover a similar benefit, a deductible or coinsurance for the colorectal cancer examination and laboratory testing benefit may not be set at a level that materially diminishes the value of the colorectal cancer examination and laboratory testing benefit. (e) In the case of an accident and sickness insurance policy that is not employer based, the insurer shall offer to provide the coverage described in this section. (f) The requirements imposed under subsection (b)(2) do not apply to grandfathered health plans as defined in 45 CFR 147.140. As added by P.L.54-2000, SEC.2. Amended by P.L.124-2018, SEC.82; P.L.36-2020, SEC.2; P.L.165-2022, SEC.12.