Coverage of routine care related to certain clinical trials by health insurance policies and plans. (FE)
Impact
The passage of SB645 would significantly alter existing health insurance policies by ensuring that individuals engaged in clinical trials are not financially penalized for their participation. This change is anticipated to make clinical trials more accessible to patients who might be hesitant to enroll due to concerns over personal costs. It sets clear expectations for health insurers regarding coverage, thereby promoting patient rights and engagement in clinical research.
Summary
Senate Bill 645 aims to enhance the coverage of routine patient costs associated with participation in approved clinical trials by requiring health insurance policies to cover these costs. This legislation specifically mandates that health insurance plans providing hospital care must include coverage for routine patient costs and services linked to clinical trial participation. A 'qualified individual' is defined as someone eligible to partake in an approved clinical trial concerning cancer or other life-threatening conditions. By establishing this requirement, the bill seeks to remove barriers that prevent patients from participating in potentially life-saving research, ensuring insurance does not discriminate based on trial participation.
Contention
Notable points of contention surrounding SB645 may relate to potential concerns from insurance providers regarding the financial implications of expanded coverage. Critics may argue that requiring coverage for routine patient costs could lead to increased premiums for all insured individuals. Additionally, there could be debates about the criteria for what constitutes 'routine patient costs' and how these will be regulated within the broader health insurance framework, particularly regarding plans that may operate on a self-insured basis.