In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.

SECTION 1. SHORT TITLE.

This Act may be cited as the ''Mothers' and Infants' Good Health
Act of 1995''.

SEC. 2. REQUIRED COVERAGE FOR CHILD BIRTH.

(a) In General.--A health plan that provides maternity benefits
that include benefits for child birth shall ensure that--
(1) in the case of delivery in a hospital or other
inpatient setting, coverage is provided for a minimum of 48
hours of inpatient care following a vaginal delivery and a
minimum of 96 hours of inpatient care following a caesarean
section for a mother and her newly born child in a health care
facility; and
(2) in the case of delivery in the home or other outpatient
setting, coverage for appropriate home health care in the
setting is provided for a minimum of 48 hours following
delivery.
(b) Terms of Coverage.--A health plan fails to provide coverage
required under subsection (a) if the plan imposes cost-sharing with
respect to care described in such subsection which varies depending on
the length of stay within the minimum period required under such
subsection.
(c) Prohibition.--In implementing the requirements of this section,
a health plan may not modify the terms and conditions of coverage based
on the determination by an enrollee to request less than the minimum
coverage required under subsection (a).
(d) Notice.--A health plan shall provide notice to each enrollee
under such plan regarding the coverage required by this section in
accordance with regulations promulgated by the Secretary of Health and
Human Services, in consultation with the National Association of
Insurance Commissioners. Such notice shall be in writing and
prominently positioned in any literature or correspondence made
available or distributed by the health plan and shall be transmitted--
(1) in the next mailing of general information made by the
plan to the enrollee,
(2) as part of the yearly informational packet sent to the
enrollee, or
(3) not later than January 1, 1996,
whichever is earliest.
(e) Enforcement.--
(1) Failure to provide coverage.--Any health plan that
violates the provisions of this section (other than subsection
(d)) shall be subject to a civil money penalty in an amount
determined by the Secretary of Health and Human Services.
(2) Failure to provide notice.--Any health plan that
violates the provisions of subsection (d) shall be subject to a
civil money penalty in an amount determined by the Secretary of
Health and Human Services.
(3) Process.--The provisions of section 1128A of the Social
Security Act (other than subsections (a) and (b)) shall apply
to civil money penalties under this subsection in the same
manner as they apply to a penalty or proceeding under section
1128A(a) of such Act.
(f) Health Plan.--
(1) In general.--As used in this section, the term ''health
plan'' means any plan or arrangement which provides, or pays
the cost of, health benefits.
(2) Exclusions.--Such term does not include the following,
or any combination thereof:
(A) Coverage only for accidental death or
dismemberment.
(B) Coverage providing wages or payments in lieu of
wages for any period during which the employee is
absent from work on account of sickness or injury.
(C) A medicare supplemental policy (as defined in
section 1882(g)(1) of the Social Security Act).
(D) Coverage issued as a supplement to liability
insurance.
(E) Worker's compensation or similar insurance.
(F) Automobile medical-payment insurance.
(G) A long-term care policy, including a nursing
home fixed indemnity policy (unless the Secretary
determines that such a policy provides sufficiently
comprehensive coverage of a benefit so that it should
be treated as a health plan).
(H) Such other plan or arrangement as the Secretary
of Health and Human Services determines is not a health
plan.
(3) Certain plans included.--Such term includes any plan or
arrangement not described in any subparagraph of paragraph (2)
which provides for benefit payments, on a periodic basis, for--
(A) a specified disease or illness, or
(B) period of hospitalization,
without regard to the costs incurred or services rendered
during the period to which the payments relate.

SEC. 3. EFFECTIVE DATE.

The provisions of section 2 shall apply to all health plans
offered, sold, issued, or renewed after the date of the enactment of
this Act.
Mothers' and Infants' Good Health Act of 1995 - Requires a health plan that provides maternity benefits that include benefits for child birth to provide coverage for a minimum amount of time following delivery in: (1) a health care facility; and (2) the home or other outpatient setting. Prohibits a health plan from modifying the terms and conditions of coverage, if an enrollee requests less than the minimum coverage required in this Act.
Requires a health plan to provide notice, as specified, to each enrollee regarding the coverage required in this Act.
Establishes civil penalties for failure to provide coverage and failure to provide notice.