IL HB5318

Requires group health insurance policies to cover annual prostate cancer screenings without any deductible, coinsurance, copayment, or other cost-sharing requirements, effective January 1, 2024

Expands the definition of "prostate cancer screening" beyond digital rectal exams and PSA tests to include all medically viable detection methods and medically necessary follow-up testing such as urinary analysis, serum biomarkers, and medical imaging including MRIs

Maintains coverage requirements for annual Pap smear tests for women and surveillance tests for ovarian cancer for at-risk women, now also without cost-sharing

Coverage applies to asymptomatic men age 50 and over, African-American men age 40 and over, and men age 40 and over with a family history of prostate cancer, when recommended by a physician

Exempts high-deductible health plans from the prostate cancer screening coverage mandate to the extent it would disqualify the plan from health savings account eligibility under IRS Section 223