The bill amends existing laws to require health insurance plans to provide comprehensive coverage for FDA-approved contraceptive drugs, devices, and products without cost-sharing, effective January 1, 2025. This includes voluntary sterilization procedures, related clinical services, and follow-up services, with plans prohibited from imposing deductibles, coinsurance, copayments, or any other cost-sharing requirements. Insurers must also allow for a supply of contraceptives up to twelve months at a time without requiring a formal request beyond a pharmacy claim. The bill ensures equal benefits for an enrollee's covered spouse or domestic partner and dependents and maintains a provision for religious employers to exclude contraceptive coverage that conflicts with their religious tenets, with the exclusion not applying to services provided for non-contraceptive purposes.

The Department is tasked with monitoring plan compliance, which includes adopting rules and regulations, engaging in a stakeholder process, conducting random reviews, and submitting an annual report on compliance and implementation efforts. The bill also requires health insurance issuers to reimburse for up to a 365-day supply of prescription contraceptives, which can be furnished all at once or over the course of twelve months. Additionally, the bill adds provisions for therapeutic equivalents and alternatives based on medical necessity as determined by a healthcare provider. The act will take effect upon passage, ensuring broader access and coverage for contraceptive services.

Statutes affected:
7255: 27-18-57, 27-19-48, 27-20-43, 27-41-59