This bill requires all health insurance policies, including those from hospital service corporations, medical service corporations, health maintenance organizations, and individual and group health insurance plans, to provide coverage for biomarker testing. Biomarker testing is defined as the analysis of biological samples to identify specific biomarkers that indicate normal biological processes, disease conditions, or responses to therapeutic interventions. Coverage is mandated for diagnosis, treatment, management, or monitoring of diseases, contingent upon the tests being supported by medical and scientific evidence, such as FDA approvals and recognized clinical guidelines. The bill also emphasizes that coverage for biomarker testing must be provided without any cost-sharing for individuals.

Additionally, the bill establishes strict timelines for prior authorization requests, requiring health insurers to respond within 72 hours for non-urgent requests and 24 hours for urgent requests. It ensures that patients and their healthcare providers have access to clear information regarding the appeals process for any adverse determinations related to biomarker testing. The provisions aim to enhance patient care by ensuring that biomarker testing is accessible and effectively integrated into treatment plans, while also minimizing disruptions, such as the need for multiple biopsies. The act is set to take effect 90 days after enactment and will apply to policies and contracts issued or renewed thereafter.