VA SB790

Requires Virginia health insurers, HMOs, and health care plan providers to cover medically necessary treatment for menopause and perimenopause, including symptoms such as hot flashes, irregular periods, vaginal and bladder problems, bone loss, cholesterol changes, and sleep disruptions.

Applies to individual and group accident and sickness insurance policies providing hospital, medical, surgical, or major medical coverage on an expense-incurred basis.

Exempts short-term travel policies, accident-only policies, limited disease policies, and Medicare supplement plans from the coverage requirement.

Takes effect January 1, 2027, applying to policies delivered, issued, reissued, or extended in Virginia on or after that date, or when policy terms or premiums are changed.

Excludes application to individual and small group markets if the mandated benefit is already included in Virginia's essential health benefits benchmark plan.