联邦法案要求保险公司承担医疗必要的裂唇手术. Federal bill requires insurers cover medically necessary cleft lip surgeries.

联邦政府提出了一项新法案,即"确保长久的微笑法", A new federal bill, the Ensuring Lasting Smiles Act, aims to fix insurance coverage gaps for children with cleft lip and palate. 家庭经常面临拒绝接受必要的手术和治疗, 因为保险公司错误地将其归类为化品. Families often face denials for essential surgeries and therapy because insurers misclassify them as cosmetic. 法律要求私人保险公司承担医疗必要的治疗,确保医生而不是保险商决定孩子需要什么护理. The legislation would require private insurers to cover medically necessary treatments, ensuring doctors—not insurers—decide what care a child needs.