1 | 1 | | LRB-2159/1 |
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2 | 2 | | JPC&SWB:emw |
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3 | 3 | | 2023 - 2024 LEGISLATURE |
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4 | 4 | | 2023 ASSEMBLY BILL 117 |
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5 | 5 | | March 24, 2023 - Introduced by Representatives GUSTAFSON, BINSFELD, SNODGRASS, |
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6 | 6 | | J. ANDERSON, ANDRACA, BALDEH, BARE, BEHNKE, CABRERA, CONLEY, CONSIDINE, |
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7 | 7 | | DITTRICH, GOEBEN, JOERS, KRUG, MACCO, MURPHY, MURSAU, OHNSTAD, |
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8 | 8 | | ORTIZ-VELEZ, PALMERI, ROZAR, SINICKI, SPIROS, STUBBS, SUBECK, TUSLER, |
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9 | 9 | | VINING, CLANCY, MADISON and H AYWOOD, cosponsored by Senators |
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10 | 10 | | CABRAL-GUEVARA, LARSON, HESSELBEIN, JAMES, SPREITZER, TAYLOR and WIRCH. |
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11 | 11 | | Referred to Committee on Health, Aging and Long-Term Care. |
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12 | 12 | | ***AUTHORS SUBJECT TO CHANGE*** |
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13 | 13 | | AN ACT to renumber 632.895 (8) (a) 1.; to renumber and amend 632.895 (8) |
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14 | 14 | | (d); to amend 40.51 (8m), 66.0137 (4), 120.13 (2) (g) and 609.80; and to create |
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15 | 15 | | 49.46 (2) (b) 6. n., 632.895 (8) (a) 1c., 632.895 (8) (a) 1e., 632.895 (8) (a) 1g., |
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16 | 16 | | 632.895 (8) (a) 1n., 632.895 (8) (a) 1r., 632.895 (8) (a) 4., 632.895 (8) (a) 5., |
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17 | 17 | | 632.895 (8) (a) 6., 632.895 (8) (am), 632.895 (8) (d) 2. and 632.895 (8) (d) 3. of the |
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18 | 18 | | statutes; relating to: coverage of breast cancer screenings by the Medical |
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19 | 19 | | Assistance program and health insurance policies and plans. |
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20 | 20 | | Analysis by the Legislative Reference Bureau |
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21 | 21 | | This bill requires health insurance policies to provide coverage for |
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22 | 22 | | supplemental breast screening examinations or diagnostic breast examinations for |
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23 | 23 | | an individual who is at increased risk of breast cancer, as determined in accordance |
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24 | 24 | | with the most recent applicable guidelines of the National Comprehensive Cancer |
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25 | 25 | | Network, or has heterogeneously or extremely dense breast tissue, as defined by the |
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26 | 26 | | Breast Imaging-Reporting and Data System established by the American College of |
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27 | 27 | | Radiology. Health insurance policies are referred to in the statutes as disability |
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28 | 28 | | insurance policies. Self-insured governmental health plans are also required to |
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29 | 29 | | provide the coverage specified in the bill. The bill also requires coverage of those |
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30 | 30 | | breast screenings by the Medical Assistance program, which is the |
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31 | 31 | | state-administered Medicaid program that is jointly funded by the state and federal |
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38 | 38 | | 7 - 2 -2023 - 2024 Legislature LRB-2159/1 |
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39 | 39 | | JPC&SWB:emw |
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40 | 40 | | ASSEMBLY BILL 117 |
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41 | 41 | | governments and that provides health services to individuals with limited financial |
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42 | 42 | | resources. |
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43 | 43 | | Under the bill, health insurance policies may not charge a cost-sharing amount |
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44 | 44 | | for a supplemental breast screening examination or diagnostic breast examination. |
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45 | 45 | | The limitation on cost-sharing does not apply to the extent that the limitation would |
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46 | 46 | | result in ineligibility for a health savings account under the federal Internal Revenue |
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47 | 47 | | Code. |
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48 | 48 | | Health insurance policies are required under current law to cover two |
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49 | 49 | | mammographic breast examinations to screen for breast cancer for a woman from |
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50 | 50 | | ages 45 to 49 if certain criteria are satisfied. Health insurance policies must |
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51 | 51 | | currently cover annual mammograms for a woman once she attains the age of 50. |
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52 | 52 | | The coverage required under current law is required whether or not the woman |
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53 | 53 | | shows any symptoms of breast cancer and may be subject to only the same exclusions |
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54 | 54 | | and limitations, including cost sharing, that apply to other radiological |
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55 | 55 | | examinations under the policy. The bill does not change or eliminate the current |
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56 | 56 | | coverage requirements for mammograms, except that preferred provider plans are |
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57 | 57 | | explicitly included in the current law and the bill's requirements. |
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58 | 58 | | This proposal may contain a health insurance mandate requiring a social and |
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59 | 59 | | financial impact report under s. 601.423, stats. |
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60 | 60 | | For further information see the state fiscal estimate, which will be printed as |
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61 | 61 | | an appendix to this bill. |
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62 | 62 | | The people of the state of Wisconsin, represented in senate and assembly, do |
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63 | 63 | | enact as follows: |
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64 | 64 | | SECTION 1. 40.51 (8m) of the statutes is amended to read: |
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65 | 65 | | 40.51 (8m) Every health care coverage plan offered by the group insurance |
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66 | 66 | | board under sub. (7) shall comply with ss. 631.95, 632.729, 632.746 (1) to (8) and (10), |
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67 | 67 | | 632.747, 632.748, 632.798, 632.83, 632.835, 632.85, 632.853, 632.855, 632.861, |
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68 | 68 | | 632.867, 632.885, 632.89, and 632.895 (8) and (11) to (17). |
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69 | 69 | | SECTION 2. 49.46 (2) (b) 6. n. of the statutes is created to read: |
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70 | 70 | | 49.46 (2) (b) 6. n. Breast screenings for which coverage is required under s. |
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71 | 71 | | 632.895 (8) (am). |
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72 | 72 | | SECTION 3. 66.0137 (4) of the statutes is amended to read: |
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73 | 73 | | 66.0137 (4) SELF-INSURED HEALTH PLANS. If a city, including a 1st class city, or |
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74 | 74 | | a village provides health care benefits under its home rule power, or if a town |
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88 | 88 | | SECTION 3 |
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89 | 89 | | ASSEMBLY BILL 117 |
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90 | 90 | | provides health care benefits, to its officers and employees on a self-insured basis, |
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91 | 91 | | the self-insured plan shall comply with ss. 49.493 (3) (d), 631.89, 631.90, 631.93 (2), |
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92 | 92 | | 632.729, 632.746 (10) (a) 2. and (b) 2., 632.747 (3), 632.798, 632.85, 632.853, 632.855, |
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93 | 93 | | 632.861, 632.867, 632.87 (4) to (6), 632.885, 632.89, 632.895 (9) (8) to (17), 632.896, |
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94 | 94 | | and 767.513 (4). |
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95 | 95 | | SECTION 4. 120.13 (2) (g) of the statutes is amended to read: |
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96 | 96 | | 120.13 (2) (g) Every self-insured plan under par. (b) shall comply with ss. |
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97 | 97 | | 49.493 (3) (d), 631.89, 631.90, 631.93 (2), 632.729, 632.746 (10) (a) 2. and (b) 2., |
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98 | 98 | | 632.747 (3), 632.798, 632.85, 632.853, 632.855, 632.861, 632.867, 632.87 (4) to (6), |
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99 | 99 | | 632.885, 632.89, 632.895 (9) (8) to (17), 632.896, and 767.513 (4). |
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100 | 100 | | SECTION 5. 609.80 of the statutes is amended to read: |
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101 | 101 | | 609.80 Coverage of mammograms. Defined network plans and preferred |
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102 | 102 | | provider plans are subject to s. 632.895 (8). Coverage of mammograms under s. |
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103 | 103 | | 632.895 (8) may be subject to any requirements that the defined network plan or |
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104 | 104 | | preferred provider plan imposes under s. 609.05 (2) and (3) on the coverage of other |
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105 | 105 | | health care services obtained by enrollees. |
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106 | 106 | | SECTION 6. 632.895 (8) (a) 1. of the statutes is renumbered 632.895 (8) (a) 1w. |
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107 | 107 | | SECTION 7. 632.895 (8) (a) 1c. of the statutes is created to read: |
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108 | 108 | | 632.895 (8) (a) 1c. “Breast magnetic resonance imaging” means a diagnostic |
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109 | 109 | | tool that uses a powerful magnetic field, radio waves, and a computer to produce |
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110 | 110 | | detailed pictures of the structures within the breast. |
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111 | 111 | | SECTION 8. 632.895 (8) (a) 1e. of the statutes is created to read: |
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112 | 112 | | 632.895 (8) (a) 1e. “Breast tomosynthesis” means a procedure that uses X-rays |
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113 | 113 | | to take a series of pictures of the inside of the breast from many different angles. |
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114 | 114 | | SECTION 9. 632.895 (8) (a) 1g. of the statutes is created to read: |
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141 | 141 | | SECTION 9 ASSEMBLY BILL 117 |
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142 | 142 | | 632.895 (8) (a) 1g. “Breast ultrasound” means a noninvasive diagnostic tool |
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143 | 143 | | that uses high-frequency sound. |
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144 | 144 | | SECTION 10. 632.895 (8) (a) 1n. of the statutes is created to read: |
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145 | 145 | | 632.895 (8) (a) 1n. “Diagnostic breast examination” means a medically |
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146 | 146 | | necessary and appropriate examination of the breast, including an examination |
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147 | 147 | | using diagnostic mammography, breast magnetic resonance imaging, breast |
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148 | 148 | | tomosynthesis, or breast ultrasound that is used to evaluate any of the following: |
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149 | 149 | | a. An abnormality seen or suspected from a screening examination for breast |
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150 | 150 | | cancer. |
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151 | 151 | | b. An abnormality that is detected by another means of examination. |
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152 | 152 | | SECTION 11. 632.895 (8) (a) 1r. of the statutes is created to read: |
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153 | 153 | | 632.895 (8) (a) 1r. “Diagnostic mammography” means a diagnostic tool that |
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154 | 154 | | uses X-rays and is designed to evaluate an abnormality in the breast. |
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155 | 155 | | SECTION 12. 632.895 (8) (a) 4. of the statutes is created to read: |
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156 | 156 | | 632.895 (8) (a) 4. “Screening mammography” means an X-ray examination of |
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157 | 157 | | the breasts taken to check for breast cancer in the absence of signs or symptoms. |
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158 | 158 | | SECTION 13. 632.895 (8) (a) 5. of the statutes is created to read: |
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159 | 159 | | 632.895 (8) (a) 5. “Self-insured health plan” has the meaning given in s. |
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160 | 160 | | 632.745 (24). |
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161 | 161 | | SECTION 14. 632.895 (8) (a) 6. of the statutes is created to read: |
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162 | 162 | | 632.895 (8) (a) 6. “Supplemental breast screening examination” means a |
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163 | 163 | | medically necessary and appropriate examination of the breast, including an |
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164 | 164 | | examination using breast magnetic resonance imaging or breast ultrasound that is |
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165 | 165 | | used to screen for breast cancer when there is no abnormality seen or suspected, |
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189 | 189 | | 24 - 5 -2023 - 2024 Legislature |
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190 | 190 | | LRB-2159/1 |
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191 | 191 | | JPC&SWB:emw |
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192 | 192 | | SECTION 14 |
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193 | 193 | | ASSEMBLY BILL 117 |
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194 | 194 | | based on personal or family medical history or additional factors that may increase |
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195 | 195 | | an individual's risk of breast cancer. |
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196 | 196 | | SECTION 15. 632.895 (8) (am) of the statutes is created to read: |
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197 | 197 | | 632.895 (8) (am) Every disability insurance policy and self-insured health plan |
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198 | 198 | | shall provide coverage to an individual who is at increased risk of breast cancer, as |
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199 | 199 | | determined in accordance with the most recent applicable guidelines of the National |
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200 | 200 | | Comprehensive Cancer Network, or has heterogeneously or extremely dense breast |
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201 | 201 | | tissue, as defined by the Breast Imaging-Reporting and Data System established by |
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202 | 202 | | the American College of Radiology, for supplemental breast screening examinations |
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203 | 203 | | or diagnostic breast examinations for the detection of breast cancer, including |
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204 | 204 | | diagnostic mammography, breast ultrasounds, breast magnetic resonance imaging, |
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205 | 205 | | or other technologies as determined in accordance with applicable criteria and |
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206 | 206 | | guidelines. Coverage required under this paragraph shall be subject to the limits on |
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207 | 207 | | cost-sharing described under par. (d) 2. and 3. |
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208 | 208 | | SECTION 16. 632.895 (8) (d) of the statutes is renumbered 632.895 (8) (d) 1. and |
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209 | 209 | | amended to read: |
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210 | 210 | | 632.895 (8) (d) 1. Coverage is required under this subsection despite whether |
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211 | 211 | | the woman shows any symptoms of breast cancer. Except as provided in subds. 2. |
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212 | 212 | | and 3. and pars. (b), (c) and (e), coverage under this subsection may only be subject |
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213 | 213 | | to exclusions and limitations, including deductibles, copayments and restrictions on |
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214 | 214 | | excessive charges, that are applied to other radiological examinations covered under |
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215 | 215 | | the disability insurance policy. |
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216 | 216 | | SECTION 17. 632.895 (8) (d) 2. of the statutes is created to read: |
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241 | 241 | | SECTION 17 ASSEMBLY BILL 117 |
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242 | 242 | | 632.895 (8) (d) 2. A disability insurance policy or self-insured health plan may |
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243 | 243 | | not impose on a covered individual a cost-sharing amount for a supplemental breast |
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244 | 244 | | screening examination or diagnostic breast examination. |
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245 | 245 | | SECTION 18. 632.895 (8) (d) 3. of the statutes is created to read: |
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246 | 246 | | 632.895 (8) (d) 3. If, under federal law, application of this paragraph would |
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247 | 247 | | result in ineligibility for a health savings account under section 223 of the Internal |
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248 | 248 | | Revenue Code, this paragraph shall apply to a health-savings-account-qualified |
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249 | 249 | | high deductible health plan with respect to the deductible of such a plan only after |
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250 | 250 | | the enrollee has satisfied the minimum deductible under section 223 of the Internal |
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251 | 251 | | Revenue Code, except with respect to items or services that are preventive care |
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252 | 252 | | pursuant to section 223 (c) (2) (C) of the Internal Revenue Code, in which case this |
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253 | 253 | | paragraph shall apply regardless of whether the minimum deductible under section |
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254 | 254 | | 223 of the Internal Revenue Code has been satisfied. |
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255 | 255 | | SECTION 19.0Initial applicability. |
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256 | 256 | | (1) For policies and plans containing provisions inconsistent with this act, the |
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257 | 257 | | act first applies to policy or plan years beginning on January 1 of the year following |
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258 | 258 | | the year in which this subsection takes effect, except as provided in sub. (2). |
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259 | 259 | | (2) For policies and plans that are affected by a collective bargaining agreement |
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260 | 260 | | containing provisions inconsistent with this act, this act first applies to policy or plan |
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261 | 261 | | years beginning on the effective date of this subsection or on the day on which the |
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262 | 262 | | collective bargaining agreement is newly established, extended, modified, or |
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263 | 263 | | renewed, whichever is later. |
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264 | 264 | | SECTION 20.0Effective date. |
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287 | 287 | | 23 - 7 -2023 - 2024 Legislature |
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288 | 288 | | LRB-2159/1 |
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289 | 289 | | JPC&SWB:emw |
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290 | 290 | | SECTION 20 |
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291 | 291 | | ASSEMBLY BILL 117 |
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292 | 292 | | (1) This act takes effect on the first day of the 4th month beginning after |
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293 | 293 | | publication. |
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294 | 294 | | (END) |
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