SECTION 1. Section 2 of chapter 112 of the General Laws, as appearing the 2014 Official Edition, is hereby amended by adding before the first paragraph the following:-
(a) As used in this section, the following words shall have the following meanings:
“Reasonable interpretations from scientific knowledge” shall mean that medical risks shall be acknowledged when logic, trends, and/or laboratory science indicate potential risk, and assessments of risk shall consider the sum of clearly credible laboratory and epidemiological studies. Reasonable interpretations shall mean recommendations of beneficial health practices, foodstuffs, and nutrients shall be reasonable only when these practices are known to be safe and free of harm based on traditional consumption or use, but not necessarily when extreme dosages or unusual intake with unknown results are recommended. Reasonable interpretations shall not apply to recommending novel medicines, non-traditional or extreme dosages, and novel or non-traditional therapies unless certainty of safety exists based on common sense or until stringent scientific testing is completed that insures toxicological safety.
“Clearly credible laboratory and epidemiological scientific studies” shall mean all relevant scientific research that demonstrates sufficient control of subjects, time, and materials to prevent corruption of data or false conclusions. The small size or short length of a study in itself shall not necessarily mean lack of credibility, although small size or short length requires acknowledgement that impacts on larger or more diverse populations or in the long term are lacking. However, conflicts of interest in research funding or other financial interest shall, when existing, need to be negligible to be considered moderately credible and shall be acknowledged as lacking full independence and therefore lacking full credibility.
SECTION 2. The first sentence of section 2 of chapter 112 of the General Laws, as appearing in the 2014 Official Edition, is hereby amended by inserting by inserting after the sixth paragraph the following paragraph:-
The board shall require that any continuing education necessary for the renewal of a physician’s certificate of registration shall include updated, current training and education on the diagnosis, treatment, and care of patients impacted by non-ionizing radiation. This training shall recognize Electrohypersensitivity (EHS) as a functional impairment. Training shall recognize that non-ionizing radiation influences many other biological systems, thus impacting health and disease conditions, and that exposure to man-made non-ionizing radiation should be avoided unless proven medical benefit and patient approval is acquired.
The board shall require that medical science, practice, education, and treatment be based not only on clinical experience and traditional medical practices, but also on the sum of current knowledge and reasonable interpretations from scientific knowledge.
SECTION 3. Section 47CC of chapter 175 of the General Laws, as appearing in the 2014 Official Edition, is hereby amended by striking out subdivision 47CC and inserting in place thereof the following subsection:-
(a) As used in this section, the following words shall have the following meanings:
“Actuary,” is a person who is a member of American Academy of Actuaries and meets the academy's professional qualification standards for rendering an actuarial opinion related to health insurance rate making.
“Electrohypersensitivity,” or “EHS,” is an aspect of Idiopathic Environmental Intolerance (IEI) attributed to non-ionizing radiation from devices such as mobile phones or electrical equipment. Persons with electromagnetic sensitivity experience discomfiture, painful sensations, or functional impairment at lower levels of non-ionizing radiation exposure than compared to non-EHS individuals. Symptoms vary in character and magnitude depending on the individual, electromagnetic frequencies, power level, and length of exposure. In the early stages removal of non-ionizing radiation may lead to improvement, but intense or continuous exposure can lead to permanent sensitization and disability. EHS is currently determined by clinical diagnosis, laboratory testing in context, and history. Diagnosis may include an examination of nitric oxide production, mitochondriopathy, oxidative stress-lipid peroxidation, melatonin status, and inflammation. Additional diagnostic tests may include 24-hour ECG, 24-hour HRV, 24-hour blood pressure monitoring, and sleep EEG.
“Relevant medical conditions,” are medical conditions that laboratory or epidemiological studies indicate non-ionizing radiation influences a biological system that impacts on the medical condition, regardless of whether the precise mechanism is understood. Laboratory studies indicate that non-ionizing radiation can cause neurological, hormonal, protein, genetic, blood, EEG, EKG, anatomical, and other biological system alterations. Therefore, relevant medical conditions include but are not limited to leukemia, pregnancy, coronary heart disease, pathological blood pressure conditions, multiple sclerosis, diabetes, Alzheimer’s disease, stroke, and ADHD.
“Education regarding non-ionizing radiation risks and protective measures,” is providing precautionary information on current science indicating potential harms, including risks to reproduction and to future children, and includes recommendations for identifying and reducing exposure to non-ionizing radiation.
“Non-ionizing radiation reduction guidance,” shall include personalized guidance on reducing exposures as well as information on how to conduct measurements to avoid dangerous exposures. Measurement instruction shall include information on finding equipment, consultants, and assessing 60 hertz electrical and magnetic fields, harmonics, transients, and the range of legal frequencies.
“Non-ionizing radiation reduction services,” shall include assessment of ELF magnetic and electric fields in a patient’s residence as well as any assigned patient room used for the patient’s rest and recovery, along with instruction or assistance with the aim to reduce chronic exposure to 60 Hz fields equal to or less than 0.5 milligauss (mG) and 3 volts per metre (V/m), where possible, and definitely below 3 mG and 10 V/m. Instruction or assistance in reducing fields shall include providing the patient or guardian thereof with information on how to reduce fields and, when desired, unplugging devices and turning off circuits. When necessary to reduce fields that cannot be otherwise reasonably avoided, assistance shall include the services of an electrician to reduce fields within the resting areas (bed and long-term seating areas). Similarly, assessment of other non-ionizing frequencies including (from 10 Hz to 100 GHz) shall occur and the patient or guardian thereof shall be informed of the risks and how to reduce exposures. Chronic exposure to microwaves (300 MHz – 30 GHz) should ideally be below 0.1 V/m peak and certainly below 1 V/m peak. Reports of the radiation reduction services with dated initial and final measurements shall be provided and placed in the patient’s medical record.
“Pharmacy care,” are medications prescribed by a licensed physician and health-related services deemed medically necessary to determine the need or effectiveness of the medications, to the same extent that pharmacy care is provided by the policy for other medical conditions.
“Therapeutic care,” are services provided by licensed or certified speech therapists, occupational therapists, physical therapists and other body work such as chiropractic care.
“Nutritional analysis and nutritional supplementation,” are clinical diagnoses and tests that identify mineral, fat, and other nutritional imbalances caused by stress, genetic quirks, and diet, which are then followed by nutritional dietary guidelines and non-genetically-modified prescriptions as needed. In addition to pollution, mental stress, or dietary deficiencies, exposures to non-ionizing radiation may trigger deficiencies and require supplementation. In addition, the patient may provide evidence of a medical need for supplementation with genetic testing.
“Treatment of electrohypersensitivity,” includes the following care prescribed, provided or ordered for an individual diagnosed by a licensed physician who determines the care to be medically necessary: non-ionizing radiation reduction guidance; pharmacy care; nutritional analysis and nutritional prescription; acupuncture; and therapeutic care.
(b) An individual policy of accident and sickness insurance issued under section 108 that provides hospital expense and surgical expense insurance and any group blanket or general policy of accident and sickness insurance issued under section 110 that provides hospital expense and surgical expense insurance, which is issued or renewed within or without the Commonwealth, shall provide benefits on a nondiscriminatory basis to residents of the Commonwealth and to all policyholders having a principal place of employment in the Commonwealth for non-ionizing radiation reduction guidance for relevant medical conditions; for diagnosis and treatment of electrohypersensitivity; for nutritional analysis and nutritional supplementation of relevant medical conditions; for non-ionizing reduction services for leukemia and lymphoma; and for general patient education regarding non-ionizing radiation risks and protective measures.
(c) Other than the limits set in subsections (g) and (h), such policy shall be in compliance with subsection (b) if the policy does not contain annual or lifetime dollar or unit of service limitation on coverage for either non-ionizing radiation reduction services for relevant medical conditions or for the diagnosis and treatment of electrohypersensitivity which is less than an annual or lifetime dollar or unit of service limitation imposed on coverage for the diagnosis and treatment of physical conditions.
(d) This section shall not limit benefits that are otherwise available to an individual under a health insurance policy.
(e) Coverage under this section shall not be subject to a limit on the number of visits an individual may make to an electrosensitivity provider.
(f) This section shall not affect an obligation to provide services to an individual under an individualized family service plan, an individualized education program or an individualized service plan. Services related to electrosensitivity provided by school personnel under an individualized education program are not subject to reimbursement under this section.
(g) An insurer, corporation or health maintenance organization may set an additional reasonable limit on non-ionizing radiation reduction services for a period of 3 years from the requirement to provide coverage under this section and not covered by the insurer, corporation or health maintenance organization as of December 31, 2016, if:
(1) an actuary, affiliated with the insurer, corporation or health maintenance organization certifies in writing to the commissioner of insurance that:
(i) based on an analysis to be completed not more than once annually by each insurer, corporation or health maintenance organization for the most recent experience period of at least 1 year's duration, the annual costs associated with coverage of non-ionizing radiation reduction services required under this section and not covered as of December 31, 2015, exceeded 1 per cent of the premiums charged over the experience period by the insurer, corporation or health maintenance organization;
(ii) those costs solely would lead to an increase in average premiums charged of more than 1 per cent for all insurance policies, subscription contracts or health care plans commencing on inception or the next renewal date, based on the premium rating methodology and practices the insurer, corporation or health maintenance organization employs; and
(iii) the commissioner of insurance approves the certification of the actuary.
(2) An exemption allowed under paragraph (1) shall apply for a 3 year coverage period following inception or next renewal date of all insurance policies, subscription contracts or health care plans issued or renewed during the 1 year period following the date of the exemption, after which the insurer, corporation or health maintenance organization shall again provide coverage for non-ionizing reduction services required under this section.
(3) Notwithstanding the exemption allowed under paragraph (1), an insurer, corporation or health maintenance organization may elect to continue to provide coverage for non-ionizing radiation reduction services required under this section.
SECTION 4. Section 14 of said chapter 12C, as appearing in the 2014 Official Edition, is hereby amended by adding after the third paragraph the following paragraph:-
The standard quality control sets shall include measures for assessing, tracking, and reducing non-thermal non-ionizing radiation exposures which progressively strengthen non-ionizing radiation reduction education and protection for patients and staff.
SECTION 5. Section 14 of chapter 6D of the General Laws, as appearing in the Official 2014 Edition, is hereby amended by inserting in paragraph five after the clause “health risks and chronic conditions,” the following clause:-
and including attention to reducing non-ionizing radiation exposures.
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