The proposed bill aims to eliminate cost-sharing requirements for certain breast imaging examinations under health insurance policies in South Dakota. Specifically, it prohibits health insurance policies from imposing any out-of-pocket expenses, such as deductibles, coinsurance, or copayments, for medically necessary screening examinations, diagnostic breast examinations, and supplemental breast examinations. The bill defines these terms and outlines the criteria for what constitutes a diagnostic or supplemental breast examination, ensuring that individuals receive necessary care without financial barriers.

Additionally, the bill includes provisions regarding health savings accounts, stating that if the application of this section would make an individual ineligible for a health savings account, the cost-sharing prohibition will only apply after the individual has met the minimum deductible requirements. This ensures compliance with federal regulations while still providing essential coverage for breast health examinations.