Mandates health insurance coverage for FDA approved contraceptive drug, device or therapeutic equivalent.
Impact
The bill significantly impacts existing state laws related to insurance policies by amending the General Laws governing 'Accident and Sickness Insurance Policies'. By enforcing comprehensive coverage for contraceptives, S0480 addresses critical public health concerns regarding access to reproductive health services. Furthermore, it prohibits insurers from imposing deductibles or cost-sharing on the listed contraceptive methods, thereby aligning state law with broader public health objectives aimed at improving women's health outcomes.
Summary
Bill S0480 proposes to mandate health insurance coverage for all FDA-approved contraceptive drugs, devices, and therapeutic equivalents. This legislation aims to ensure that contraceptive methods are accessible without cost-sharing requirements, thus reducing financial barriers for patients seeking reproductive health services. In addition to covering contraceptives, the bill includes provisions for emergency contraception available over-the-counter, voluntary female sterilization procedures, and the requirement for patient education and counseling regarding contraception usage. The implementation of this coverage is set to take effect on January 1, 2026.
Contention
There may be contention surrounding the bill, particularly from various stakeholders in the healthcare and insurance sectors. Some opponents may argue that mandating comprehensive contraceptive coverage could impose undue burdens on insurance providers, especially regarding cost management. Furthermore, debates may arise around the provision of contraceptives for reasons beyond birth control, including for conditions such as ovarian cancer prevention and menopause symptom management, potentially leading to discussions about the scope and interpretation of health insurance mandates.
Requires every individual or group health insurance contract effective on or after January 1, 2025, to provide coverage to the insured and the insured's spouse and dependents for all FDA-approved contraceptive drugs, devices and other products.
Requires every individual or group health insurance contract effective on or after January 1, 2025, to provide coverage to the insured and the insured's spouse and dependents for all FDA-approved contraceptive drugs, devices and other products.
Adds a new section which sets forth conditions for pharmacists to prescribe tobacco cessation/drug therapies, programs approved by the state board of pharmacy. The cessation therapies would be covered by all health insurance carriers on or after 1/1/25.
Adds a new section which sets forth conditions for pharmacists to prescribe tobacco cessation/drug therapies, programs approved by the state board of pharmacy. The cessation therapies would be covered by all health insurance carriers on or after 1/1/25.
An Act to Require Health Insurance Coverage for Federally Approved Nonprescription Oral Hormonal Contraceptives and Nonprescription Emergency Contraceptives
Mandates all health insurance contracts from January 1, 2026, to cover FDA-approved contraceptives, sterilization, contraception counseling, follow-up services, and a twelve-month supply for Medicaid recipients.
Requires every individual or group health insurance contract effective on or after January 1, 2025, to provide coverage to the insured and the insured's spouse and dependents for all FDA-approved contraceptive drugs, devices and other products.
Requires every individual or group health insurance contract effective on or after January 1, 2025, to provide coverage to the insured and the insured's spouse and dependents for all FDA-approved contraceptive drugs, devices and other products.