KRS 304.18-0363: Coverage for services of licensed psychologist or licensed clinical social

worker.

Every policy of group or blanket health insurance issued, delivered, or renewed in this

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

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

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

to these benefits under the policy, to payment of or reimburseme nt for the 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 policy, contract, or plan does not permi t, the person entitled to these

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

this section shall require a group or blanket health insurance policy which places the

insured within a preferred or exclusive provide r arrangement 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.