The bill amends Chapters 27-18 and 27-20 of the General Laws by introducing new sections 27-18-57.1 and 27-20-43.1, which require health insurance contracts, plans, or policies issued or renewed in the state to provide comprehensive coverage for a variety of FDA-approved contraceptive methods and services. This includes coverage for prescribed contraceptive drugs, devices, and products without cost-sharing, with specific exceptions for male condoms and certain oral contraceptives lacking therapeutic equivalents. The bill mandates that at least one therapeutic equivalent of a contraceptive method must be covered without cost-sharing, and if a provider recommends a specific contraceptive based on medical necessity, it must also be covered without cost-sharing.

Additionally, the bill outlines that coverage must include emergency contraception, prescription contraceptives for initial dispensation of up to three months and subsequent refills for up to twelve months, voluntary female sterilization procedures, patient education and counseling, and follow-up services related to the covered contraceptives. It prohibits unreasonable restrictions or delays in coverage and ensures that benefits extend to enrollees' spouses and dependents. The bill also clarifies definitions for "provider" and "therapeutic equivalent," specifies that coverage cannot be subject to deductibles or other cost-sharing requirements (except as mandated by federal law), and allows for coverage of contraceptives prescribed for non-contraceptive medical reasons while excluding experimental treatments. The act is set to take effect on January 1, 2026.