KRS 304.17-3185: Coverage for services of licensed psychologist or licensed clinical social

worker.

Every individual health insurance policy issued, delivered, or renewed in this state which

provides coverage on an expense -incurred basis for any services performed by a licensed

psychologist pursuant to KRS Chapter 319, or by a licensed clinical social worker

pursuant to KRS Chapter 335, shall entitle the policyholder, or other person entitled to

these benefits under the policy, to payment of or reimbursement for th e cost of the

service, not in excess of the coverage limits, regardless of provider profession. If the

policy, contract, or plan permits, payment may be made directly to the provider of the

services. If the plan does not permit direct provider reimbursemen t, the person entitled to

these benefits shall be entitled to reimbursement for the cost of services received. Nothing

in this section shall require an individual health insurance policy which places the insured

within a preferred or exclusive provider arr angement to cover services by a provider with

whom the insurer does not have a contract, or to make payment of or reimbursement for

the cost of any service which exceeds the limits of the policy.