(a)
(1)
(A) “Healthcare plan” means any individual, blanket, or group plan, policy, or contract for healthcare services issued or delivered by a carrier in this state, including indemnity and managed care plans.
(B) “Healthcare plan” does not mean a plan that provides coverage only for:
(i) A specified accident or accident-only coverage or long-term care insurance as defined in the Long-Term Care Insurance Act, § 23-97-201 et seq. [repealed];
(ii) A Medicare supplement policy of insurance, as defined by the Insurance Commissioner by rule;
(iii) Coverage under a plan through Medicare, Medicaid, or the Federal Employees Health Benefit Program;
(iv) Any coverage issued under United States Code Title 10, Chapter 55, existing on January 1, 2001, and any coverage issued as supplemental to that coverage; and
(v) Any coverage issued as supplemental to liability insurance, workers' compensation, or similar insurance.
(2) “Health carrier” means any accident and health insurance company, referred to in law as disability insurance company, hospital or medical services corporation, or health maintenance organization, including a so-called dental maintenance organization, issuing or delivering healthcare plans in this state.
(b)
(1) Every health carrier shall offer optional coverage in its healthcare plans for the medical treatment of musculoskeletal disorders affecting any bone or joint in the face, neck, or head, including temporomandibular joint disorder and craniomandibular disorder. Treatment shall include both surgical and nonsurgical procedures.
(2) This coverage shall be provided for medically necessary diagnosis and treatment of these conditions whether they are the result of accident, trauma, congenital defect, developmental defect, or pathology.
(3) This coverage shall be the same as that provided for any other musculoskeletal disorder in the body and shall be provided whether prescribed or administered by a physician or dentist.
(c)
(1) The policyholder shall accept or reject the optional coverage in writing on the application.
(2) The application shall specifically and conspicuously inform the policyholder that rejection of the option means that covered benefits provided to insureds or enrollees will not include temporomandibular joint disorder or craniomandibular disorder.
(d) Nothing in this section shall prevent an insurer from including such coverage for any or all musculoskeletal disorders affecting any bone or joint in the face, neck, or head as part of a policy's basic coverage, in lieu of offering optional coverage.
(e) This section shall apply to those healthcare plans issued, delivered, renewed, extended, amended, or modified on or after August 13, 2001.