2026 -- S 2890 SUBSTITUTE A

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LC005178/SUB A

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     STATE OF RHODE ISLAND

IN GENERAL ASSEMBLY

JANUARY SESSION, A.D. 2026

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A N   A C T

RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES

     

     Introduced By: Senators Urso, Murray, Ujifusa, Vargas, Lauria, Valverde, Appollonio,
and Rogers

     Date Introduced: March 04, 2026

     Referred To: Senate Health & Human Services

     It is enacted by the General Assembly as follows:

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     SECTION 1. Chapter 27-18 of the General Laws entitled "Accident and Sickness Insurance

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Policies" is hereby amended by adding thereto the following section:

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     27-18-96. Coverage for hormonal and non-hormonal therapy to treat the symptoms

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of peri-menopause and menopause.

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     (a) Every individual or group health insurance contract, plan, or policy delivered, issued

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for delivery, or renewed in this state on or after January 1, 2027, shall provide coverage for

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medically necessary hormone therapy treatment to treat the symptoms of peri-menopause and

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menopause.

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     (b) Coverage for hormone replacement therapy to treat the symptoms of peri-menopause

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and menopause under this section shall mean at least one federal Food and Drug Administration-

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approved hormonal and non-hormonal treatment, and at least one hormonal replacement therapy

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option in each of the following modalities: oral, transdermal, topical, and vaginal.

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     SECTION 2. Chapter 27-19 of the General Laws entitled "Nonprofit Hospital Service

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Corporations" is hereby amended by adding thereto the following section:

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     27-19-88. Coverage for hormonal and non-hormonal therapy to treat the symptoms

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of peri-menopause and menopause.

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     (a) Every individual or group health insurance contract, plan, or policy delivered, issued

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for delivery, or renewed in this state on or after January 1, 2027, shall provide coverage for

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medically necessary hormone therapy treatment to treat the symptoms of peri-menopause and

 

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menopause.

2

     (b) Coverage for hormone replacement therapy to treat the symptoms of peri-menopause

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and menopause under this section shall mean at least one federal Food and Drug Administration-

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approved hormonal and non-hormonal treatment, and at least one hormonal replacement therapy

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option in each of the following modalities: oral, transdermal, topical, and vaginal.

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     SECTION 3. Chapter 27-20 of the General Laws entitled "Nonprofit Medical Service

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Corporations" is hereby amended by adding thereto the following section:

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     27-20-84. Coverage for hormonal and non-hormonal therapy to treat the symptoms

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of peri-menopause and menopause.

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     (a) Every individual or group health insurance contract, plan, or policy delivered, issued

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for delivery, or renewed in this state on or after January 1, 2027, shall provide coverage for

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medically necessary hormone therapy treatment to treat the symptoms of peri-menopause and

13

menopause.

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     (b) Coverage for hormone replacement therapy to treat the symptoms of peri-menopause

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and menopause under this section shall mean at least one federal Food and Drug Administration-

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approved hormonal and non-hormonal treatment, and at least one hormonal replacement therapy

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option in each of the following modalities: oral, transdermal, topical, and vaginal.

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     SECTION 4. Chapter 27-41 of the General Laws entitled "Health Maintenance

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Organizations" is hereby amended by adding thereto the following section:

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     27-41-101. Coverage for hormonal and non-hormonal therapy to treat the symptoms

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of peri-menopause and menopause.

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     (a) Every individual or group health insurance contract, plan, or policy delivered, issued

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for delivery, or renewed in this state on or after January 1, 2027, shall provide coverage for

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medically necessary hormone therapy treatment to treat the symptoms of peri-menopause and

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menopause.

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     (b) Every individual or group health insurance contract, plan, or policy delivered, issued

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for delivery, or renewed in this state on or after January 1, 2027, shall provide coverage for

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medically necessary hormone therapy treatment to treat the symptoms of peri-menopause and

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menopause.

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     SECTION 5. This act shall take effect upon passage.

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EXPLANATION

BY THE LEGISLATIVE COUNCIL

OF

A N   A C T

RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES

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     This act would mandate health insurance coverage for medically necessary hormonal and

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non-hormonal therapy to treat symptoms of peri-menopause and menopause, if the therapy is

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recommended by a qualified healthcare provider who is licensed, accredited, or certified under

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Rhode Island law and the therapy has been proven safe and effective. This coverage would be

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mandated for all insurance policies issued on or after January 1, 2027.

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     This act would take effect upon passage.

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