This bill requires health insurance plans, both group and individual coverage, to cover diagnostic and supplemental breast examinations without any patient cost-sharing such as deductibles, copayments, or coinsurance. Diagnostic breast exams are those used to evaluate abnormalities detected during screening or other examinations, while supplemental breast exams are additional screenings for people with no detected abnormality but who have increased risk factors based on their medical or family history. The legislation applies to most private insurance plans starting on January 1, 2024, though it allows insurers to require prior authorization and does not override state laws that provide even greater protections. The bill also clarifies that high-deductible health plans linked to health savings accounts can still qualify as such plans even if they waive the deductible for these breast exams.
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