id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
ihlr-2021	Stuart, Melissa	Autism Insurance Reform: A Comparison of State Initiatives	2011	42	.pdf	application/pdf	18509	1504	66	In this way, supporters of insurance reform argue that ASDs do not differ from numerous other chronic medical disorders, like hypertension, diabetes, or asthma, for which health insurance routinely covers treatment.212 Advo- cates also point to the status of the provider giving the diagnosis as an ar- gument in favor of health insurance coverage. For example, in California, a consumer advocacy group is suing the Department of Managed Health Care for allegedly permitting health insurers to deny coverage for ABA.119 While judicial review is available for state insurance regulator determinations, the high deference afforded to agency decisions makes it difficult to challenge in court.120 Lawsuits may also be brought under contract or tort law theories, such as fraud or bad faith, or under special state insurance laws.121 Typically, courts interpret insurance exclusions narrowly and coverage broadly.122 However, while courts may offer protection for consumers, the time, mon-	cache/ihlr-2021.pdf	txt/ihlr-2021.txt