Iowa House Bill HF71

Iowa 2023-2024 Regular Session

• Introduced: 1/20/23
• Refer: 1/20/23

Caption

A bill for an act relating to insurance coverage for diagnostic breast cancer examinations.(See HF 2489.)

Impact

If enacted, HF71 changes how insurance policies address diagnostic breast cancer examinations by expanding the requirements for coverage. This means that individuals will have better access to necessary diagnostic services without facing higher out-of-pocket costs compared to what they would pay for preventive screening mammograms. It sets a clear guideline for insurance providers on the required coverage levels and cost-sharing arrangements, promoting more equitable healthcare access for women in Iowa.

Summary

House File 71 aims to enhance insurance coverage for diagnostic breast cancer examinations in the state of Iowa. This bill mandates that any policy, contract, or plan providing for third-party payment or prepayment of health or medical expenses must include coverage for diagnostic examinations deemed medically necessary by healthcare professionals. These examinations can include diagnostic mammograms, breast magnetic resonance imaging (MRI), or breast ultrasounds. The bill specifies that the coverage provided cannot be less favorable than that for screening mammograms.

Contention

One notable point of contention around HF71 may arise from discussions regarding the implications of mandated coverage for insurance providers and potential cost implications. While proponents argue that these diagnostic examinations are critical for early detection, opponents may raise concerns about the potential for increased insurance premiums or the burden placed on insurers. Additionally, there could be debates over the specific definitions used for 'diagnostic examinations' and the medical necessity clauses included in policies, which could affect how the bill is interpreted and implemented.