Tennessee Senate Bill SB1795

Tennessee 2025-2026 Regular Session

• Introduced: 1/20/26

Caption

AN ACT to amend Tennessee Code Annotated, Title 8; Title 56 and Title 71, relative to insurance coverage.

Impact

The bill mandates that health insurers or health maintenance organizations in Tennessee must cover a spectrum of treatment services that are considered medically necessary for ABI patients. This includes several types of therapies specifically designed to improve cognitive functions and support individuals as they navigate recovery. Furthermore, insurers are prohibited from imposing lifetime limitations or unreasonable annual service limitations on these treatment options, highlighting a significant shift in state policy aimed at supporting brain injury patients.

Summary

Senate Bill 1795 aims to amend the Tennessee Code to ensure health insurers are required to provide coverage for medically necessary treatments related to acquired brain injuries (ABIs). This legislation defines various terms and treatment modalities associated with ABI, including cognitive rehabilitation, neurofeedback therapy, and community reintegration services. It focuses on ensuring individuals who suffer from ABIs receive adequate support to recover and reintegrate into their communities.

Contention

One notable point of contention surrounding SB1795 may stem from the potential financial implications for health insurers. Critics may argue that mandating such comprehensive coverage could lead to higher premiums or impact the overall cost of healthcare in the state. Supporters, however, will likely contend that the necessity of these treatments far outweighs the potential increases in costs, emphasizing the importance of addressing brain injuries effectively as part of public health policy.