SB3226 Summary

• Amends Illinois Insurance Code to require individual and group health insurance policies to cover all FDA-approved contraceptive drugs, devices, and products without cost-sharing (deductibles, copayments, or coinsurance).

• Mandates coverage of voluntary sterilization procedures, contraceptive services, patient education, counseling, and follow-up care including device insertion and removal.

• Requires plans to dispense 12 months' worth of contraception at one time and establish accessible appeals processes for non-covered contraceptive items based on provider medical necessity determinations.

• Prohibits organizations providing group health insurance from claiming exemptions based on religious or moral objections, except nonprofit religious entities that meet four specific criteria: inculcating religious values as their purpose, primarily employing and serving persons who share their religious tenets, and qualifying as nonprofit religious organizations under federal tax law.

• Takes effect immediately upon becoming law, with a fallback provision allowing broader Medicaid-level contraceptive coverage if federal requirements prevent the state from funding the full mandate.