Senate Bill 440 amends Tennessee Code Annotated, specifically Title 56, by introducing a new section that exempts excepted benefits, as defined in 56-7-2802, from the requirement to provide coverage for specific individuals, providers, treatments, services, conditions, or diseases. This exemption applies unless the law explicitly requires coverage for those excepted benefits.

The bill is set to take effect on July 1, 2025, and will apply to all insurance policies or contracts that are entered into, issued, delivered, amended, or renewed on or after that date. This legislative change aims to clarify the coverage obligations related to excepted benefits within the state's insurance framework.