No. HB 1339
Filed under Insurance.
Required Coverage for Imaging and Genetic Testing for Cancer Risk; Requires individual health policies, group, blanket, & franchise policies, & health maintenance contracts to provide coverage for evidence-based cancer imaging & genetic testing for hereditary cancer risk, without any cost-sharing requirements, for specified individuals.
Plain English Summary
AI-GENERATEDThis bill creates three brand-new insurance mandates -- for individual policies, group and franchise policies, and HMO contracts -- requiring coverage for genetic testing and imaging tied to inherited cancer risk. No comparable statutory requirement exists for these tests today.
Covered plans must pay for genetic testing for hereditary cancer risk when a health care professional recommends it for someone with a personal or family history of cancer, and for cancer imaging recommended for someone at increased cancer risk.
None of this coverage can carry a deductible, copayment, coinsurance, or any other out-of-pocket cost, which is a stronger protection than most mandated health benefits receive under Florida law.
AIIndividual policies, group/blanket/franchise policies, and HMO contracts that provide major medical or similar comprehensive coverage must pay for germline genetic testing for hereditary cancer risk, when a health care professional recommends it for someone with a personal or family history of cancer.
AIThe same policies and contracts must also cover cancer-detection imaging for a person identified as being at increased risk of cancer, where that imaging follows National Comprehensive Cancer Network clinical practice guidelines.
AIInsurers and HMOs cannot apply any deductible, coinsurance, copayment, or similar out-of-pocket charge to this genetic testing or imaging coverage, so an eligible patient pays nothing out of pocket for it.