{"data":{"id":"us-in/ic-27-8-14.1-4","jurisdiction":"us-in","citation":"IC 27-8-14.1-4","heading":"Coverage for nonexperimental, surgical treatment of morbid obesity","body":"Sec. 4. (a) Except as provided in subsection (b), an insurer that issues an accident and sickness insurance policy shall offer coverage for nonexperimental, surgical treatment by a health care provider of morbid obesity:\n(1) that has persisted for at least five (5) years; and\n(2) for which nonsurgical treatment that is supervised by a physician has been unsuccessful for at least six (6) consecutive months.\n(b) An insurer that issues an accident and sickness insurance policy may not provide coverage for a surgical treatment of morbid obesity for an insured who is less than twenty-one (21) years of age unless two (2) physicians licensed under IC 25-22.5 determine that the surgery is necessary to:\n(1) save the life of the insured; or\n(2) restore the insured's ability to maintain a major life activity (as defined in IC 4-23-29-6);\nand each physician documents in the insured's medical record the reason for the physician's determination.","path":["TITLE 27. INSURANCE","ARTICLE 8. LIFE, ACCIDENT, AND HEALTH","Chapter 14.1. Coverage for Services Related to Morbid Obesity"],"source_url":"https://iga.in.gov/ic/2026/Title_27.html#27-8-14.1-4","current_through":"2026","vintage":"2026","retrieved_at":"2026-09-25T05:39:04Z","sha256":"9e6214d45ad05ec12a817c9fd0858e75e2279c353cc5fc4c5ee299a1282068c5","source_id":"us-in","stale":false,"prev":"us-in/ic-27-8-14.1-3","next":"us-in/ic-27-8-14.2-1"},"notice":"GroundRules: Original legal text. Not legal advice."}