Enacts provisions relating to insurance coverage of genetic screenings for cancer risk
The introduction of SB1047 is expected to significantly affect state laws governing health insurance, particularly concerning genetic testing and counseling. By ensuring that health insurance covers these essential services without additional costs to patients, the bill aims to improve early detection and risk assessment for cancers associated with BRCA mutations. This is particularly critical for individuals who might otherwise delay or avoid seeking genetic testing due to financial concerns.
Senate Bill 1047 proposes to amend Chapter 376 of the Revised Statutes of Missouri by introducing a new section that mandates health benefit plans to cover costs related to BRCA-related genetic counseling and genetic testing. Effective from January 1, 2025, this bill requires that any health plan continued or newly delivered must include coverage without any cost-sharing requirements. It simplifies access to genetic services that can determine predisposition to breast and ovarian cancer, particularly focusing on individuals identified as having increased risk based on their personal or family medical history.
While the bill's supporters, including health advocates and cancer organizations, argue that it is a necessary advancement in healthcare access and preventative measures, there are concerns from some insurance companies about the implications for underwriting processes and the potential increased costs for plans. Critics fear that mandating such coverage could lead to higher premiums overall, as healthcare providers may increase the cost of services to compensate for the mandated coverage. Thus, the debate surrounding SB1047 revolves not only around its potential public health benefits but also the financial ramifications for insurers and policyholders.