2022 -- S 2327 SUBSTITUTE A | |
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LC003431/SUB A/2 | |
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STATE OF RHODE ISLAND | |
IN GENERAL ASSEMBLY | |
JANUARY SESSION, A.D. 2022 | |
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A N A C T | |
RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES | |
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Introduced By: Senators Euer, Quezada, DiMario, Lawson, Murray, Kallman, | |
Date Introduced: February 15, 2022 | |
Referred To: Senate Health & Human Services | |
It is enacted by the General Assembly as follows: | |
1 | SECTION 1. Section 27-18-57 of the General Laws in Chapter 27-18 entitled "Accident |
2 | and Sickness Insurance Policies" is hereby amended to read as follows: |
3 | 27-18-57. F.D.A. approved prescription contraceptive drugs and devices. |
4 | (a) Every individual or group health insurance contract, plan, or policy issued pursuant to |
5 | this title that provides prescription coverage and is delivered, issued for delivery, or renewed, |
6 | amended or effective in this state on or after January 1, 2023 shall provide coverage for F.D.A. |
7 | approved contraceptive drugs and devices requiring a prescription all of the following services and |
8 | contraceptive methods. Provided, that nothing in this subsection shall be deemed to mandate or |
9 | require coverage for the prescription drug RU 486. |
10 | (1) All FDA-approved contraceptive drugs, devices, and other products. The following |
11 | applies to this coverage: |
12 | (i) If there is a therapeutic equivalent of an FDA-approved contraceptive drug, device, or |
13 | product, the contract must include either the original FDA-approved contraceptive drug device, or |
14 | product or at least one of its therapeutic equivalents. "Therapeutic equivalent" shall have the same |
15 | definition as that set forth by the FDA; |
16 | (ii) If the covered therapeutic equivalent versions of a drug, device, or product are not |
17 | available or are deemed medically inadvisable, a group or blanket policy shall provide coverage |
18 | for an alternate therapeutic equivalent version of the contraceptive drug, device, or product, based |
19 | on the determination of the health care provider, without cost-sharing; |
| |
1 | (iii) Coverage required by this section must include all over-the-counter contraceptive |
2 | drugs, devices and products approved by the FDA when prescribed by a licensed provider, |
3 | excluding male condoms. |
4 | (2) Voluntary sterilization procedures; |
5 | (3) Patient education and counseling on contraception; and |
6 | (4) Follow-up services related to the drugs, devices, products, and procedures covered |
7 | under this section, including, but not limited to, management of side effects, counseling for |
8 | continued adherence, and device insertion and removal. |
9 | (b) A group or blanket policy subject to this section shall not impose a deductible, |
10 | coinsurance, copayment or any other cost-sharing requirement on the coverage provided pursuant |
11 | to this section. For a qualifying high-deductible health plan for a health savings account, the carrier |
12 | shall establish the plan's cost-sharing for the coverage provided pursuant to this section at the |
13 | minimum level necessary to preserve the enrollee's ability to claim tax-exempt contributions and |
14 | withdrawals from his or her health savings account under 26 U.S.C. § 223. |
15 | (c) Except as otherwise authorized under this subsection, a group or blanket policy shall |
16 | not impose any restrictions or delays on the coverage required under this section. |
17 | (d) Benefits for an enrollee under this section shall be the same for an enrollee's covered |
18 | spouse or domestic partner and covered non-spouse dependents. |
19 | (b)(e) Notwithstanding any other provision of this section, any insurance company may |
20 | issue to a religious employer an individual or group health insurance contract, plan, or policy that |
21 | excludes coverage for prescription contraceptive methods that are contrary to the religious |
22 | employer's bona fide religious tenets. |
23 | (c)(f) As used in this section, "religious employer" means an employer that is a "church or |
24 | a qualified church-controlled organization" as defined in 26 U.S.C. § 3121. |
25 | (d)(g) This section does not apply to insurance coverage providing benefits for: (1) Hospital |
26 | confinement indemnity; (2) Disability income; (3) Accident only; (4) Long-term care; (5) Medicare |
27 | supplement; (6) Limited benefit health; (7) Specified disease indemnity; (8) Sickness or bodily |
28 | injury or death by accident or both; and (9) Other limited-benefit policies. |
29 | (e)(h) Every religious employer that invokes the exemption provided under this section |
30 | shall provide written notice to prospective enrollees prior to enrollment with the plan, listing the |
31 | contraceptive healthcare services the employer refuses to cover for religious reasons. |
32 | (f)(i) Beginning on the first day of each plan year after April 1, 2019, every health insurance |
33 | issuer offering group or individual health insurance coverage that covers prescription contraception |
34 | shall not restrict reimbursement for dispensing a covered prescription contraceptive up to three |
| LC003431/SUB A/2 - Page 2 of 9 |
1 | hundred sixty-five (365) days at a time. |
2 | (j) Nothing in this section shall be construed to exclude coverage for contraceptive drugs, |
3 | devices, or products for reasons other than contraceptive purposes, such as decreasing the risk of |
4 | ovarian cancer or eliminating symptoms of menopause, or for contraception that is necessary to |
5 | preserve the life or health of an enrollee. |
6 | SECTION 2. Section 27-19-48 of the General Laws in Chapter 27-19 entitled "Nonprofit |
7 | Hospital Service Corporations" is hereby amended to read as follows: |
8 | 27-19-48. F.D.A. approved prescription contraceptive drugs and devices. |
9 | (a) Every individual or group health insurance contract, plan, or policy issued pursuant to |
10 | this title that provides prescription coverage and is delivered, or renewed, amended or effective in |
11 | this state on or after January 1, 2023 shall provide coverage for F.D.A. approved contraceptive |
12 | drugs and devices requiring a prescription all of the following services and contraceptive methods. |
13 | Provided, that nothing in this subsection shall be deemed to mandate or require coverage for the |
14 | prescription drug RU 486. |
15 | (1) All FDA-approved contraceptive drugs, devices, and other products. The following |
16 | applies to this coverage: |
17 | (i) If there is a therapeutic equivalent of an FDA-approved contraceptive drug, device, or |
18 | product, the contract must include either the original FDA-approved contraceptive drug device, or |
19 | product or at least one of its therapeutic equivalents. "Therapeutic equivalent" shall have the same |
20 | definition as that set forth by the FDA; |
21 | (ii) If the covered therapeutic equivalent versions of a drug, device, or product are not |
22 | available or are deemed medically inadvisable, a group or blanket policy shall provide coverage |
23 | for an alternate therapeutic equivalent version of the contraceptive drug, device, or product, based |
24 | on the determination of the health care provider, without cost-sharing; |
25 | (iii) Coverage required by this section must include all over-the-counter contraceptive |
26 | drugs, devices and products approved by the FDA when prescribed by a licensed provider, |
27 | excluding male condoms. |
28 | (2) Voluntary sterilization procedures; |
29 | (3) Patient education and counseling on contraception; and |
30 | (4) Follow-up services related to the drugs, devices, products, and procedures covered |
31 | under this section, including, but not limited to, management of side effects, counseling for |
32 | continued adherence, and device insertion and removal. |
33 | (b) A group or blanket policy subject to this section shall not impose a deductible, |
34 | coinsurance, copayment or any other cost-sharing requirement on the coverage provided pursuant |
| LC003431/SUB A/2 - Page 3 of 9 |
1 | to this section. For a qualifying high-deductible health plan for a health savings account, the carrier |
2 | shall establish the plan's cost-sharing for the coverage provided pursuant to this section at the |
3 | minimum level necessary to preserve the enrollee's ability to claim tax-exempt contributions and |
4 | withdrawals from his or her health savings account under 26 U.S.C. § 223. |
5 | (c) Except as otherwise authorized under this subsection, a group or blanket policy shall |
6 | not impose any restrictions or delays on the coverage required under this section. |
7 | (d) Benefits for an enrollee under this section shall be the same for an enrollee's covered |
8 | spouse or domestic partner and covered non-spouse dependents. |
9 | (b)(e) Notwithstanding any other provision of this section, any hospital service corporation |
10 | may issue to a religious employer an individual or group health insurance contract, plan, or policy |
11 | that excludes coverage for prescription contraceptive methods that are contrary to the religious |
12 | employer's bona fide religious tenets. |
13 | (c)(f) As used in this section, "religious employer" means an employer that is a "church or |
14 | a qualified church-controlled organization" as defined in 26 U.S.C. § 3121. |
15 | (d)(g) Every religious employer that invokes the exemption provided under this section |
16 | shall provide written notice to prospective enrollees prior to enrollment with the plan, listing the |
17 | contraceptive healthcare services the employer refuses to cover for religious reasons. |
18 | (e)(h) Beginning on the first day of each plan year after April 1, 2019, every health |
19 | insurance issuer offering group or individual health insurance coverage that covers prescription |
20 | contraception shall not restrict reimbursement for dispensing a covered prescription contraceptive |
21 | up to three hundred sixty-five (365) days at a time. |
22 | (i) Nothing in this section shall be construed to exclude coverage for contraceptive drugs, |
23 | devices, or products for reasons other than contraceptive purposes, such as decreasing the risk of |
24 | ovarian cancer or eliminating symptoms of menopause, or for contraception that is necessary to |
25 | preserve the life or health of an enrollee. |
26 | SECTION 3. Section 27-20-43 of the General Laws in Chapter 27-20 entitled "Nonprofit |
27 | Medical Service Corporations" is hereby amended to read as follows: |
28 | 27-20-43. F.D.A. approved prescription contraceptive drugs and devices. |
29 | (a) Every individual or group health insurance contract, plan, or policy issued pursuant to |
30 | this title that provides prescription coverage and for delivery, or renewed, amended or effective in |
31 | this state on or after January 1, 2023 shall provide coverage for F.D.A. approved contraceptive |
32 | drugs and devices requiring a prescription all of the following services and contraceptive methods. |
33 | Provided, that nothing in this subsection shall be deemed to mandate or require coverage for the |
34 | prescription drug RU 486. |
| LC003431/SUB A/2 - Page 4 of 9 |
1 | (i) If there is a therapeutic equivalent of an FDA-approved contraceptive drug, device, or |
2 | product, the contract must include either the original FDA-approved contraceptive drug device, or |
3 | product or at least one of its therapeutic equivalents. "Therapeutic equivalent" shall have the same |
4 | definition as that set forth by the FDA; |
5 | (ii) If the covered therapeutic equivalent versions of a drug, device, or product are not |
6 | available or are deemed medically inadvisable, a group or blanket policy shall provide coverage |
7 | for an alternate therapeutic equivalent version of the contraceptive drug, device, or product, based |
8 | on the determination of the health care provider, without cost-sharing; |
9 | (iii) Coverage required by this section must include all over-the-counter contraceptive |
10 | drugs, devices and products approved by the FDA when prescribed by a licensed provider, |
11 | excluding male condoms. |
12 | (2) Voluntary sterilization procedures; |
13 | (3) Patient education and counseling on contraception; and |
14 | (4) Follow-up services related to the drugs, devices, products, and procedures covered |
15 | under this section, including, but not limited to, management of side effects, counseling for |
16 | continued adherence, and device insertion and removal. |
17 | (b) A group or blanket policy subject to this section shall not impose a deductible, |
18 | coinsurance, copayment or any other cost-sharing requirement on the coverage provided pursuant |
19 | to this section. For a qualifying high-deductible health plan for a health savings account, the carrier |
20 | shall establish the plan's cost-sharing for the coverage provided pursuant to this section at the |
21 | minimum level necessary to preserve the enrollee's ability to claim tax-exempt contributions and |
22 | withdrawals from his or her health savings account under 26 U.S.C. § 223. |
23 | (c) Except as otherwise authorized under this subsection, a group or blanket policy shall |
24 | not impose any restrictions or delays on the coverage required under this section. |
25 | (d) Benefits for an enrollee under this section shall be the same for an enrollee's covered |
26 | spouse or domestic partner and covered non-spouse dependents. |
27 | (b)(e) Notwithstanding any other provision of this section, any medical service corporation |
28 | may issue to a religious employer an individual or group health insurance contract, plan, or policy |
29 | that excludes coverage for prescription contraceptive methods which are contrary to the religious |
30 | employer's bona fide religious tenets. |
31 | (c)(f) As used in this section, "religious employer" means an employer that is a "church or |
32 | a qualified church-controlled organization" as defined in 26 U.S.C. § 3121. |
33 | (d)(g) Every religious employer that invokes the exemption provided under this section |
34 | shall provide written notice to prospective enrollees prior to enrollment with the plan, listing the |
| LC003431/SUB A/2 - Page 5 of 9 |
1 | contraceptive healthcare services the employer refuses to cover for religious reasons. |
2 | (e)(h) Beginning on the first day of each plan year after April 1, 2019, every health |
3 | insurance issuer offering group or individual health insurance coverage that covers prescription |
4 | contraception shall not restrict reimbursement for dispensing a covered prescription contraceptive |
5 | up to three hundred sixty-five (365) days at a time. |
6 | (i) Nothing in this section shall be construed to exclude coverage for contraceptive drugs, |
7 | devices, or products for reasons other than contraceptive purposes, such as decreasing the risk of |
8 | ovarian cancer or eliminating symptoms of menopause, or for contraception that is necessary to |
9 | preserve the life or health of an enrollee. |
10 | SECTION 4. Section 27-41-59 of the General Laws in Chapter 27-41 entitled "Health |
11 | Maintenance Organizations" is hereby amended to read as follows: |
12 | 27-41-59. F.D.A. approved prescription contraceptive drugs and devices. |
13 | (a) Every individual or group health insurance contract, plan, or policy issued pursuant to |
14 | this title that provides prescription coverage and is delivered, issued for delivery, or renewed, |
15 | amended or effective in this state on or after January 1, 2023 shall provide coverage for F.D.A. |
16 | approved contraceptive drugs and devices requiring a prescription; provided, all of the following |
17 | services and contraceptive methods. Provided, that nothing in this subsection shall be deemed to |
18 | mandate or require coverage for the prescription drug RU 486. |
19 | (1) All FDA-approved contraceptive drugs, devices, and other products. The following |
20 | applies to this coverage: |
21 | (i) If there is a therapeutic equivalent of an FDA-approved contraceptive drug, device, or |
22 | product, the contract must include either the original FDA-approved contraceptive drug device, or |
23 | product or at least one of its therapeutic equivalents. "Therapeutic equivalent" shall have the same |
24 | definition as that set forth by the FDA; |
25 | (ii) If the covered therapeutic equivalent versions of a drug, device, or product are not |
26 | available or are deemed medically inadvisable, a group or blanket policy shall provide coverage |
27 | for an alternate therapeutic equivalent version of the contraceptive drug, device, or product, based |
28 | on the determination of the health care provider, without cost-sharing; |
29 | (iii) Coverage required by this section must include all over-the-counter contraceptive |
30 | drugs, devices and products approved by the FDA when prescribed by a licensed provider, |
31 | excluding male condoms. |
32 | (2) Voluntary sterilization procedures; |
33 | (3) Patient education and counseling on contraception; and |
34 | (4) Follow-up services related to the drugs, devices, products, and procedures covered |
| LC003431/SUB A/2 - Page 6 of 9 |
1 | under this section, including, but not limited to, management of side effects, counseling for |
2 | continued adherence, and device insertion and removal. |
3 | (b) A group or blanket policy subject to this section shall not impose a deductible, |
4 | coinsurance, copayment or any other cost-sharing requirement on the coverage provided pursuant |
5 | to this section. For a qualifying high-deductible health plan for a health savings account, the carrier |
6 | shall establish the plan's cost-sharing for the coverage provided pursuant to this section at the |
7 | minimum level necessary to preserve the enrollee's ability to claim tax-exempt contributions and |
8 | withdrawals from his or her health savings account under 26 U.S.C. § 223. |
9 | (c) Except as otherwise authorized under this subsection, a group or blanket policy shall |
10 | not impose any restrictions or delays on the coverage required under this section. |
11 | (d) Benefits for an enrollee under this section shall be the same for an enrollee's covered |
12 | spouse or domestic partner and covered non-spouse dependents. |
13 | (b)(e) Notwithstanding any other provision of this section, any health maintenance |
14 | corporation may issue to a religious employer an individual or group health insurance contract, |
15 | plan, or policy that excludes coverage for prescription contraceptive methods that are contrary to |
16 | the religious employer's bona fide religious tenets. |
17 | (c)(f) As used in this section, "religious employer" means an employer that is a "church or |
18 | a qualified church-controlled organization" as defined in 26 U.S.C. § 3121. |
19 | (d)(g) Every religious employer that invokes the exemption provided under this section |
20 | shall provide written notice to prospective enrollees prior to enrollment with the plan, listing the |
21 | contraceptive healthcare services the employer refuses to cover for religious reasons. |
22 | (e)(h) Beginning on the first day of each plan year after April 1, 2019, every health |
23 | insurance issuer offering group or individual health insurance coverage that covers prescription |
24 | contraception shall not restrict reimbursement for dispensing a covered prescription contraceptive |
25 | up to three hundred sixty-five (365) days at a time. |
26 | (i) Nothing in this section shall be construed to exclude coverage for contraceptive drugs, |
27 | devices, or products for reasons other than contraceptive purposes, such as decreasing the risk of |
28 | ovarian cancer or eliminating symptoms of menopause, or for contraception that is necessary to |
29 | preserve the life or health of an enrollee. |
30 | SECTION 5. Chapter 40-8 of the General Laws entitled "Medical Assistance" is hereby |
31 | amended by adding thereto the following section: |
32 | 40-8-33. F.D.A.-approved prescription contraceptive drugs and devices. |
33 | (a) Every individual or group health insurance contract, plan, or policy issued pursuant to |
34 | this chapter that is delivered, issued for delivery, renewed, amended or effective in this state on or |
| LC003431/SUB A/2 - Page 7 of 9 |
1 | after January 1, 2023 shall provide coverage for all of the following services and contraceptive |
2 | methods. Provided, that nothing in this subsection shall be deemed to mandate or require coverage |
3 | for the prescription drug RU 486. |
4 | (1) All FDA-approved contraceptive drugs, devices, and other products. The following |
5 | applies to this coverage: |
6 | (i) If there is a therapeutic equivalent of an FDA-approved contraceptive drug, device, or |
7 | product, the contract must include either the original FDA-approved contraceptive drug device, or |
8 | product or at least one of its therapeutic equivalents. "Therapeutic equivalent" shall have the same |
9 | definition as that set forth by the FDA; |
10 | (ii) If the covered therapeutic equivalent versions of a drug, device, or product are not |
11 | available or are deemed medically inadvisable, a group or blanket policy shall provide coverage |
12 | for an alternate therapeutic equivalent version of the contraceptive drug, device, or product, based |
13 | on the determination of the health care provider, without cost-sharing; |
14 | (iii) Coverage required by this section must include all over-the-counter contraceptive |
15 | drugs, devices and products approved by the FDA when prescribed by a licensed provider, |
16 | excluding male condoms. |
17 | (2) Voluntary sterilization procedures; |
18 | (3) Patient education and counseling on contraception; and |
19 | (4) Follow-up services related to the drugs, devices, products, and procedures covered |
20 | under this section, including, but not limited to, management of side effects, counseling for |
21 | continued adherence, and device insertion and removal. |
22 | (b) A group or blanket policy subject to this section shall not impose a deductible, |
23 | coinsurance, copayment or any other cost-sharing requirement on the coverage provided pursuant |
24 | to this section. For a qualifying high-deductible health plan for a health savings account, the carrier |
25 | shall establish the plan's cost-sharing for the coverage provided pursuant to this section at the |
26 | minimum level necessary to preserve the enrollee's ability to claim tax-exempt contributions and |
27 | withdrawals from his or her health savings account under 26 U.S.C. § 223. |
28 | (c) Except as otherwise authorized under this subsection, a group or blanket policy shall |
29 | not impose any restrictions or delays on the coverage required under this section. |
30 | (d) Benefits for an enrollee under this section shall be the same for an enrollee's covered |
31 | spouse or domestic partner and covered non-spouse dependents. |
32 | (e) Notwithstanding any other provision of this section, any health maintenance |
33 | corporation may issue to a religious employer an individual or group health insurance contract, |
34 | plan, or policy that excludes coverage for prescription contraceptive methods that are contrary to |
| LC003431/SUB A/2 - Page 8 of 9 |
1 | the religious employer's bona fide religious tenets. |
2 | (f) As used in this section, "religious employer" means an employer that is a "church or a |
3 | qualified church-controlled organization" as defined in 26 U.S.C. § 3121. |
4 | (g) Every religious employer that invokes the exemption provided under this section shall |
5 | provide written notice to prospective enrollees prior to enrollment with the plan, listing the |
6 | contraceptive health care services the employer refuses to cover for religious reasons. |
7 | (h) Beginning on the first day of each plan year after April 1, 2022, every health insurance |
8 | issuer offering group or individual health insurance coverage that covers prescription contraception |
9 | shall not restrict reimbursement for dispensing a covered prescription contraceptive up to three |
10 | hundred sixty-five (365) days at a time. |
11 | (i) Nothing in this section shall be construed to exclude coverage for contraceptive drugs, |
12 | devices, or products for reasons other than contraceptive purposes, such as decreasing the risk of |
13 | ovarian cancer or eliminating symptoms of menopause, or for contraception that is necessary to |
14 | preserve the life or health of an enrollee. |
15 | SECTION 6. This act shall take effect upon passage. |
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LC003431/SUB A/2 | |
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| LC003431/SUB A/2 - Page 9 of 9 |
EXPLANATION | |
BY THE LEGISLATIVE COUNCIL | |
OF | |
A N A C T | |
RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES | |
*** | |
1 | This act would require every individual or group health insurance contract effective on or |
2 | after January 1, 2023, to provide coverage to the insured and the insured's spouse and dependents |
3 | for all FDA-approved contraceptive drugs, devices and other products, voluntary sterilization |
4 | procedures, patient education and counseling on contraception and follow-up services as well as |
5 | Medicaid coverage for a twelve (12) month supply for Medicaid recipients. |
6 | This act would take effect upon passage. |
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LC003431/SUB A/2 | |
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