KRS 304.17A-580: Education of insured about appropriate use of emergency and

medical services -- Coverage of emergency medical conditions and emergency

department services -- Emergency personnel to contact primary care provider

or insurer -- Exclusion of limited-benefit health insurance policies.

(1) An insurer offering health benefit plans shall educate its insureds about the

availability, location, and appropriate use of emergency and other medical services,

cost-sharing provisions for emergency services, and the availability of care outside

an emergency department.

(2) An insurer offering health benefit plans shall cover emergency medical conditions

and shall pay for emergency department screening and stabilization services both in-

network and out -of-network without prior authorization for conditions that

reasonably appear to a prudent layperson to constitute an emergency medical

condition based on the patient's presenting symptoms and condition. An insurer

shall be prohibited from denying the emergency dep artment services and altering

the level of coverage or cost -sharing requirements for any condition or conditions

that constitute an emergency medical condition as defined in KRS 304.17A-500.

(3) Emergency department personnel shall contact a patient's prim ary care provider or

insurer, as appropriate, to discuss follow -up and poststabilization care and promote

continuity of care.

(4) Nothing in this section shall apply to accident -only, specified disease, hospital

indemnity, Medicare supplement, long -term ca re, disability income, or other

limited-benefit health insurance policies.