New Law Inspired by Illinois Jaw Cancer Patients’ Struggle Closes Health Insurance Gaps

GLENVIEW - Legislation sponsored by State Senator Laura Fine and State Representative Jennifer Gong-Gershowitz, aimed at addressing critical gaps in Illinois' health insurance, has been signed into law by the governor. The new law guarantees individuals with major jaw injuries including those caused by cancer, access to essential medical treatments without the fear of insurance denials.

"This law closes a major loophole for patients requiring necessary medical treatments for a life-threatening disease. It ensures that in a time of crisis, no one has to experience financial roadblocks to receiving medical care," said Fine (D-Glenview). "This new law is a common sense solution resulting from the collaboration between the Illinois State Dental Society and the Insurance industry. As a result, cancer patients requiring jaw surgery will have coverage for the care they need."

The legislation started when an Illinois resident undergoing treatment for Jaw cancer required extensive reconstructive surgery and dental implants to restore basic functions like eating and speaking. However, when this patient turned to their insurance provider for help, they were met with denial. The insurance company labeled the dental implants as "cosmetic," refusing to cover the cost, despite the critical and obvious role these implants played in the patient's recovery.

When the Illinois State Dental Society (ISDS) and the legislative sponsors learned of the situation, they filed Senate Bill 3305, which requires both individual and group insurance policies to cover medically necessary treatments for major jaw injuries, whether resulting from accidents or diseases. This includes procedures such as oral and facial surgery, dental implants, prosthetics, and other essential treatments.

"Too many Illinoisans struggle to receive the medical care they need, including those with health insurance," said Gong-Gershowitz (D-Glenview). "SB3305 ensures that patients who need crucial jaw surgery, which often includes cancer patients, can get the care they need."

"People expect their insurance to be there for them when they need it. Unfortunately, this case highlighted a reality many face - insurance that doesn't cover their most crucial needs. Senate Bill 3305 ensures Illinois residents can access essential treatments without fear of insurance denials, moving us closer to an insurance system that prioritizes patient care over profits," said Illinois State Dental Society Executive Director Eric Larson.