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This bill amends federal health insurance law to prohibit group health plans and individual health insurance issuers from imposing cost-sharing requirements (deductibles, copayments, coinsurance) for diagnostic and supplemental breast examinations. The bill defines diagnostic breast examinations as medically necessary exams used to evaluate abnormalities detected by screening or other means, and supplemental breast examinations as screening exams for individuals with elevated breast cancer risk based on personal or family history. The requirements apply to plan years beginning January 1, 2026, and do not prevent plans from requiring prior authorization or other utilization controls.
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