KRS 304.18-130: Policies to cover treatment for alcoholism -- Exclusions.

(1) Except as otherwise expressly provided herein, no contract providing major medical

or outpatient care benefits, issued pursuant to Subtitles 18, 32, and 38 of KRS

Chapter 304, shall be sold or offered for sale in the Commonwealth of Kentucky

unless such co ntract offers the master policyholder the option to purchase in new

contracts the minimum benefits for treatment of alcoholism as specified in KRS

304.18-140.

(2) Coverage for treatment shall be divided into three (3) distinct phases:

(a) Emergency detoxification treatment;

(b) Residential treatment; and

(c) Outpatient treatment.

Such contracts shall contain a stipulation that no payment shall be made by the

carrier to the provider except upon completion of the phase of program of treatment

by the patient, under the guidance and direction of a physician licensed to practice

in the Commonwealth or a professional, designated by such physician, who is a

recognized staff member of a treatment facility licensed by the department or

accredited by the Joint Commission.

(3) Disability and accident income benefits and basic health care contracts that do not

provide major medical or outpatient care are excluded from KRS 304.18 -130 to

304.18-180.