This bill mandates that group health plans and health insurance issuers offering group or individual health insurance coverage, which include benefits for screening, diagnostic, and supplemental breast examinations, cannot impose any cost-sharing requirements such as deductibles, co-payments, or other similar expenses on these services. The bill specifies that for high deductible plans as defined in 26 U.S.C. section 223(c)(2), the prohibition on cost-sharing applies only after the minimum deductible for the year has been met, except for preventive care services which are exempt from the deductible requirement.

The bill defines "cost-sharing requirements" to include any form of financial contribution by the patient such as deductibles, co-insurance, or co-payments. It also clarifies what constitutes a "diagnostic breast examination" and a "supplemental breast examination," with the former being necessary to evaluate abnormalities related to breast cancer screening or detection, and the latter being necessary for breast cancer screening based on personal or family medical history or other risk factors. The act is set to take effect on January 1, 2025.