Relating to the coverage by certain health benefit plans of mammograms performed by certain health care providers.
Impact
If enacted, HB 191 would amend the Texas Insurance Code to ensure that the coverage for mammograms is no less favorable than for other radiological examinations under the health benefit plans. This means policyholders cannot face additional barriers, such as higher deductibles or copayments, when accessing mammogram services compared to other medical imaging services. The law would apply only to plans delivered, issued for delivery, or renewed after a specified date, thereby influencing how insurance providers structure their benefit offerings.
Summary
House Bill 191 focuses on enhancing healthcare coverage for women by mandating that health benefit plans provide annual screenings by low-dose mammography for females aged 35 and older. This requirement ensures that women receive timely and necessary examinations for the presence of breast cancer, thereby increasing early detection rates. The bill aims to standardize the coverage across various health plans, making it a crucial aspect of women's preventive healthcare.
Contention
Some points of contention around HB 191 could arise from its impacts on certain health plans that may feel constrained by the requirement to provide a specific level of coverage. There may be concerns regarding the financial implications for health insurance providers and the potential for increased premiums. Opponents may argue that such mandates could lead to unintended consequences, such as discouraging insurers from offering comprehensive plans. Nonetheless, the bill serves to address a significant issue concerning women's health and the importance of regular breast cancer screenings.