New Jersey Assembly Bill A5473

New Jersey 2022-2023 Regular Session

• Introduced: 5/18/23
• Refer: 5/18/23

Caption

Requires health insurers to cover additional mammogram examinations and genetic testing and counseling under certain circumstances.

Impact

The bill also necessitates that insurance carriers cover all costs tied to genetic counseling and associated testing for mutations in the BRCA1 and BRCA2 genes for individuals deemed at increased risk from their personal or family history of breast or ovarian cancer. By linking the requirement for mammogram coverage with genetic counseling, the legislation expands access to critical diagnostic services that can aid in the early detection of breast cancer, potentially improving health outcomes for at-risk populations.

Summary

A5473 is a bill that aims to enhance health insurance coverage related to breast cancer screening and genetic counseling. The core provision of the bill mandates that health insurers provide coverage for additional annual mammogram examinations for women under the age of 40 if they are identified as being at an elevated risk for breast cancer due to various factors, including family history and genetic predisposition. This proactive measure ensures that younger women who may not typically qualify for routine mammograms receive appropriate screenings based on their individual risk profiles.

Contention

Discussions surrounding A5473 may center on various points of contention, specifically regarding the implications for insurance premiums and coverage adequacy. Critics might argue that adding mandated services could lead to increased costs for insurers, which could eventually be passed on to consumers in the form of higher premiums. Conversely, proponents of the bill assert that the long-term health benefits and potential cost savings from early detection and treatment justify the need for expanded coverage. Additionally, there may be considerations on the accessibility and availability of genetic counseling services across different regions, particularly in underserved communities.