This bill requires all health insurance policies, including those for small employers and Medicaid, to provide coverage for biomarker testing, which involves analyzing biological samples to identify indicators related to diseases. Coverage is mandated for diagnosis, treatment, management, or monitoring of diseases, contingent upon the tests being supported by medical and scientific evidence, including FDA approvals and recognized clinical guidelines. The bill also emphasizes the need to minimize disruptions in patient care, particularly concerning the necessity for multiple biopsies or samples.

Additionally, the bill sets forth requirements for timely decision-making regarding prior authorization requests for biomarker testing, mandating that insurers communicate decisions within 72 hours for non-urgent requests and 24 hours for urgent ones. It ensures that individuals and their healthcare providers have access to clear information on the appeals process for any adverse determinations. The provisions aim to enhance patient care and will take effect 90 days after enactment, applying to policies and contracts issued or renewed thereafter.