This bill requires health insurance plans and insurers to cover a comprehensive range of breast and chest wall reconstruction services for cancer patients who choose reconstruction after treatment. Coverage includes all types of breast-conserving surgery and mastectomies, all reconstruction methods (implant-based, tissue-based, and future innovations), reconstruction of the opposite breast for symmetry, custom prostheses, and treatment for complications like lymphedema. The bill applies to group health plans and both group and individual insurance policies, and requires insurers to ensure at least one in-network provider offers each reconstruction option. Plans must notify patients about these benefits upon enrollment and annually, cannot deny coverage to avoid these requirements, and cannot penalize doctors for providing appropriate care. The bill takes effect for plan years beginning after its enactment, and requires a government report within one year on gaps in access to breast reconstruction services.