WV SB518

Health insurance policies that cover breast examinations must eliminate all cost-sharing requirements (deductibles, copayments, coinsurance) for screening, diagnostic, and supplemental breast examinations.

Diagnostic breast examinations include breast MRI, ultrasound, and mammograms used to evaluate abnormalities found during screening or other examinations.

Supplemental breast examinations cover additional screening for individuals with no current abnormality but elevated breast cancer risk due to personal or family medical history.

High Deductible Health Plans paired with Health Savings Accounts may retain cost-sharing requirements until the minimum federal deductible is met, except for preventive care services which remain exempt.

Applies to policies issued, renewed, or modified on or after January 1, 2027 (July 1, 2027 for public employee insurance), and grants the Insurance Commissioner rulemaking authority.