Prohibit cost-sharing in certain health insurance policies for diagnostic and supplemental breast imaging examinations.
Impact
If enacted, HB1070 would significantly modify the way certain health insurance policies operate in South Dakota, aligning them with more favorable conditions for individuals requiring breast examinations. The bill's focus on prohibiting cost-sharing could lead to increased detection rates for breast cancer, as financial barriers will be reduced. This law could potentially influence insurers to revise their coverage structures in light of the new requirements, promoting comprehensive breast health management among policyholders.
Summary
House Bill 1070 aims to prohibit health insurance policies from imposing cost-sharing requirements on individuals enrolled in plans for screening, diagnostic, or supplemental breast examinations that are deemed medically necessary. This legislation seeks to enhance access to critical breast health services for patients by ensuring they do not face out-of-pocket costs for essential examinations. The bill defines pertinent terms such as 'cost-sharing requirement', 'diagnostic breast examination', and 'supplemental breast examination' to clarify its applicability and intent.
Contention
While the bill appears to be a straightforward advancement of women's health rights, it may face scrutiny regarding its financial implications for insurers. Lawmakers may debate the impact this could have on insurance premiums and the broader financial landscape of health insurance in South Dakota. Notably, stakeholders might express concerns about how this legislation could affect health savings accounts, especially when it relates to deductible requirements, which is addressed in the bill with specific clauses.
Establish an individual's right to make autonomous decisions about the individual's reproductive health care, and to repeal provisions related to abortion.