FL H1273

Health insurance policies and health maintenance contracts must provide coverage for all FDA-approved contraceptive drugs, devices, products, and procedures without cost-sharing (deductibles, copayments, coinsurance).

Coverage excludes over-the-counter contraceptives and must include therapeutic equivalents, patient education, counseling, and follow-up services related to contraceptive use without cost-sharing.

Religious employers organized as nonprofits and referenced in Internal Revenue Code sections 6033(a)(3)(A)(i) or (iii) are exempt from contraceptive coverage requirements but must provide employees and prospective employees reasonable notice of the exemption listing which contraceptive items are not covered.

Eligible organizations (nonprofits or closely held for-profit entities with religious objections) may obtain accommodation by providing self-certification to insurers or notice to the Department of Health; insurers must then exclude contraceptive coverage from the policy and provide separate payments for contraceptive items at no cost to participants.

Effective date is July 1, 2018; the Department of Health shall adopt rules establishing exemption and accommodation processes.