US Coverage of Medically Necessary Foods and Formulas Resources in United States
US Coverage of Medically Necessary Foods and Formulas Resources
At least 36 state legislatures have enacted bills to provide some insurance coverage of medically necessary foods and formula to treat disorders identified through newborn screening. Of those states, 17 state laws specifically mention medical foods and formula in the statute. Eight states refer to formula only, and five states refer to food only in the text of the statute. However, states that refer to either food or formula only may be covering both depending on how the statutes on interpreted in insurance regulations. Five of the 36 state statutes pertain to access to medical foods and formula through the state. One state, Oklahoma, adopted a resolution encouraging coverage of medical foods and formula. The District of Columbia also provides treatment for disorders identified through newborn screening to the indigent. State requirements for coverage may have caps or age limits. Please read the descriptions of the statutes below for details.
The list of statutes below reflects what is required by state law and does not address the activities that many state health departments are engaging in to help provide access to medical foods and formula.
JURISDICTION |
CITATION |
SUMMARY |
Alabama | No statute found. | |
Alaska | AS § 21.42.380 | Health insurers must provide for the formulas necessary for the treatment of phenylketonuria (PKU). Some insurers may be excluded. Health insurers providing coverage may impose reasonable contract limitations but may not refuse coverage based on a preexisting condition of PKU or require that an individual covered under the plan pay a higher deductible or copayment for the cost of treating PKU than for the cost of treating another condition or illness. |
Arizona | A.R.S. §§ 20-826; 20-1057; 20-1342; 20-1402; 20-2327 | Any hospital or medical service corporation, insurance company, or health benefits plan that includes prescription drug benefits must provide coverage for modified low protein foods and formula to treat inherited metabolic disorders and diseases screened for under the newborn screening program. Coverage must include at least 50% of the cost of low protein modified foods and formula and may be limited to maximum annual benefit of $5000. |
Arkansas | A.C.A. §23-79-701 et seq. | A tax credit of up to $2,400 per year per child for expenses for the purchase of medically necessary medical foods and low protein modified food products is allowed to individuals or to families with a dependent child or children with PKU, galactosemia, organic acidemias, and disorders of amino acid metabolism. All health plans must provide at a minimum coverage for medical food or low protein modified food products, or other specialty products or formulas for the treatment of PKU, galactosemia, organic acidemias, and disorders of amino acid metabolism if prescribed and administered under the direction of a physician and the cost exceeds the amount of the income tax credit allowed. The amount may be subject to deductibles, copayment, coinsurance or cost-sharing. If coverage is denied, then the health department must reimburse providers up to $1000 for services provided. |
California | Health & Safety Code §1374.56, Insurance Code § 10123.89 | Every health care service plan contract must cover treatment for PKU, including medically necessary formulas and special food products that are part of a diet prescribed by a licensed physician and managed by a health care professional in consultation with a physician who specializes in the treatment of metabolic disease and who participates in or is authorized by the plan. Coverage is required to the extent that the cost of the necessary formulas and special food products exceeds the cost of a normal diet. |
Colorado | C.R.S.A. s 10-16-104 | Coverage for inherited enzymatic disorders caused by single gene defects involved in the metabolism of amino, organic, and fatty acids must include, but not be limited to, the following diagnosed conditions: PKU; maternal PKU; maple syrup urine disease; tyrosinemia; homocystinuria; histidinemia; urea cycle disorders; hyperlysinemia; glutaric acidemias; methylmalonic acidemia; and propionic acidemia. Covered care and treatment of such conditions must include medically necessary, prescribed medical foods and formulas. PKU coverage is required only to age 21 except that the maximum age to receive benefits for PKU for women who are of child-bearing age is thirty-five years of age. Required coverage only applies to insurance plans that include a pharmacy benefit. A carrier can impose deductibles, coinsurance, or other cost-sharing methods. |
Connecticut | C.G.S.A. §§19a-59a; 38a-492c; 38a-518c | The health department may purchase prescribed special infant formula and medical foods directly, if appropriations are available. Any individual or group insurance policy providing coverage for basic hospital expenses, medical-surgical expenses, major medical expenses, accident-only expenses, and hospital/medical service contract plans must provide coverage for amino acid modified preparations and low protein modified food products prescribed for therapeutic treatment of inherited metabolic disesases and cystic fibrosis. Specialized formula must be covered through age eight, coverage must be available on the same basis as outpatient prescription drugs. |
Delaware | Delaware Code 18 §§3355, 3571 | Health insurance contracts and group and blanket health insurance must provide family member coverage for medical formulas and foods, low protein modified formulas, and modified food products for the treatment of inherited metabolic diseases, if the medical formulas and foods or low protein modified formulas and food products are prescribed as medically necessary administered under the direction of a physician. |
Louisiana | LSA-RS §22:215.22, 22:2004.2, 22:3018.1 | Health insurers that provide medical and surgical benefits must provide coverage, subject to applicable deductibles, coinsurance, and copayments, for medically necessary low protein food products for treatment of inherited metabolic obtained from a source approved by the health insurance issuer, provided coverage will not be denied if the health insurance issuer does not approve a source. Coverage provided shall not exceed eligible benefits of $200 per month, and the law does not apply to individually underwritten, guaranteed renewable limited benefit or short-term health insurance policies. Health maintenance organizations and self-insurers subject to state law must provide similar coverage. |
Maine | 24 §2320-D, 24-A §§2745-D, 2837-D, 4238 | Individual and group nonprofit medical services plan policies and contracts, nonprofit health care plan policies and contracts, individual and group insurance policies and contracts (except accidental injury, specified disease, hospital indemnity, Medicare supplement, long-term care and other limited benefit health insurance policies and contracts), and health maintenance organization individual and group contracts must provide coverage for prescribed metabolic formula and special modified low-protein food products for a person with an inborn error of metabolism. The policies and contracts must reimburse for metabolic formula and up to $3,000 per year for special low protein food products. |
Maryland | Health-General, s 19-705.5; Insurance, s 15-807 | An HMO shall include as part of its benefit package coverage for medical for the treatment of inherited metabolic diseases if the medical foods are prescribed by and administered under a doctor. An insurance policy that is written on an expense-incurred basis and provides coverage for a family member of the insured shall include coverage for medical foods for the treatment of inherited metabolic diseases if the medical foods are prescribed by and administered under a doctor. |
Massachusetts | M.G.L.A 32-A 17A, 176G §4D, 176B §4K, 176A §8L | Group HMO contracts, individual and group medical service agreements, individual or group hospital service plans, and the state plan for current and retired employees must provide coverage for medically necessary nonprescription enteral formulas ordered by a physician for the treatment of malabsorption caused by Crohn’s disease, ulcerative colitis, gastroesophageal reflux, gastrointestinal motility, chronic intestinal pseudo-obstruction, and inherited diseases of amino acids and organic acids. Coverage includes food products modified to be low protein in an amount not to exceed $2,500 annually for any insured individual. |
Michigan | No statute found. | |
Minnesota | M.S.A. 62A.26, §256B.0625 | Policies of accident and health insurance, HMO contracts, and health benefit certificates offered through a fraternal benefit society, and group subscriber contracts offered by nonprofit health service plan corporations must provide coverage for special dietary treatment for PKU when recommended by a physician. The statewide program of medical assistance for needy persons covers nutritional products needed for nutritional supplementation because solid food or nutrients cannot be properly absorbed by the body or needed for treatment of PKU, hyperlysinemia, maple syrup urine disease, a combined allergy to human milk, cow’s milk, and soy formula, or any other childhood or adult diseases, conditions, or disorders identified by the commissioner as requiring a similarly necessary nutritional product. |
Mississippi | No statute found. | |
Missouri | V.A.M.S. 191.331, 376.1219 | The state provides financial assistance for metabolic formula for babies with inherited diseases of amino acids and organic acids whose parents who meet income eligibility requirements. State assistance will be available to an applicant only after the applicant has shown that all benefits from third party payers have been exhausted. |
Montana | MCA §33-22-131 | Group or individual medical expense disability policies, certificates of insurance, and membership contracts must provide coverage for the treatment of inborn errors of metabolism that involve amino acid, carbohydrate, and fat metabolism and for which medically standard methods of diagnosis, treatment, and monitoring exist. Coverage must include expenses of diagnosing, monitoring, and controlling the disorders by nutritional and medical assessment, including clinical services, biochemical analysis, medical supplies, prescription drugs, corrective lenses for conditions related to the inborn error of metabolism, nutritional management, and medical foods used to compensate for the metabolic abnormality and to maintain adequate nutritional status. |
Nebraska | NRS §71-520 | The health department must establish a program to provide food supplements and treatment services to individuals suffering metabolic diseases detected through the newborn screening program. To defray the costs of the program, the department may prescribe and assess a scale of fees for the food supplements. The maximum prescribed fee for food supplements must be no more than the actual cost of providing such supplements. No fees may be charged for formula, and up to $2,000 of pharmaceutically manufactured food supplements is available to an individual without fees each year. |
Tennessee | TCA §56-7-2505 | Any individual, franchise, blanket or group health insurance policy, medical service plan, contract, hospital service corporation contract, hospital and medical service corporation contract, fraternal benefit society, or health maintenance organization that provides hospital expense and surgical expense insurance must provide coverage for licensed professional medical services under the supervision of a physician and those special dietary formulas which are medically necessary for the therapeutic treatment of PKU. |
Texas | VTCA Insurance Code §1359.001 et seq. | A group health benefit plan must provide coverage for formulas necessary to treat PKU or a heritable disease. The group health benefit plan must provide the coverage to the same extent that the plan provides coverage for drugs that are available only on the orders of a physician. |
Utah | Utah Code §31A-22-623 | The insurance commissioner shall establish, by rule, minimum standards of coverage for dietary products used for the treatment of inborn errors of amino acid or urea cycle metabolism at levels consistent with the major medical benefit provided under an accident and health insurance policy. |
Vermont | 8 V.S.A. §4089e | An insurer must provide coverage for medically necessary foods for an inherited metabolic disease. Coverage for medically necessary foods for an inherited metabolic disease shall be at least $2,500.00 during any continuous period of twelve months for any insured individual. |
Virginia | No statute found. (section repealed in 2005) | |
Washington | RCWA §§48.20.520 48.21.300 48.44.440, 48.46.510 | Any individual or group disability insurance contract, health care services contract, and health maintenance organization that insures for hospital or medical expenses must provide coverage for the formulas necessary for the treatment of PKU. |
West Virginia | No statute found. | |
Wisconsin | No statute found. | |
Wyoming | No statute found. |