No. SB 1372
Filed under Insurance.
Coverage for Cancer Imaging and Genetic Testing; Requiring health insurers and health maintenance organizations to provide certain coverage; prohibiting such coverage from being subject to cost-sharing requirements, etc.
Plain English Summary
AI-GENERATEDThis bill creates a single new mandate requiring every health insurer and health maintenance organization in Florida to cover genetic testing for an inherited cancer mutation and evidence-based cancer imaging for people identified as being at risk, effective July 1, 2026.
The mandate applies broadly: any health insurance policy a health insurer issues, and any contract a health maintenance organization issues, without limiting it to major medical or comprehensive plans specifically.
None of this coverage can carry a deductible, copayment, coinsurance, or other cost-sharing charge. For health-savings-account-qualified high-deductible plans, though, federal tax law limits that protection to care treated as preventive until the deductible is met.
AIEvery health insurer issuing a health insurance policy in Florida, and every HMO issuing a health maintenance contract, must cover germline genetic testing for an inherited cancer-risk mutation for a person with a personal or family history of cancer.
AIThe same insurers and HMOs must also cover evidence-based cancer imaging for individuals at increased risk of cancer, using imaging modalities that follow National Comprehensive Cancer Network clinical practice guidelines.
AIInsurers and HMOs cannot apply a deductible, coinsurance, copayment, or similar out-of-pocket charge to the mandated genetic testing or imaging, so an eligible person is not billed for it directly.
AIIf barring cost-sharing entirely would make a health-savings-account-qualified high-deductible plan lose its federal tax-qualified status, the no-cost-sharing rule instead applies only after the plan's own minimum deductible has been met, except for care federal tax law treats as preventive.