Bill > HB540

This bill requires various health insurance plans in Kentucky to provide coverage for polymerase chain reaction (PCR) testing used to detect the COVID-19 virus, beginning January 1, 2026. Specifically, the bill expands the definition of "health benefit plan" to include short-term limited-duration coverage and student health insurance, and mandates that these plans cover PCR testing for COVID-19. The requirement will apply to self-insured employer group health plans for state postsecondary education institutions, the state employee health plan, Medicaid, and the Kentucky Children's Health Insurance Program (KCHIP). The bill requires the Department for Medicaid Services or the Cabinet for Health and Family Services to obtain any necessary federal approvals for implementing these changes, and allows for potential delays in implementation if federal authorization is needed. The provisions will take effect on January 1, 2026, and will apply to health benefit plans issued or renewed on or after that date. By mandating COVID-19 PCR testing coverage across multiple types of health insurance plans, the bill aims to ensure broader access to testing for Kentucky residents.