Bill > LD784

This bill requires health insurance carriers in Maine to provide comprehensive, no-cost specialized risk screening for first responders, defined as employees or volunteers in state, county, or municipal emergency services like fire, medical, communications, correctional, or police services. The bill mandates coverage for specific medical tests including cancer screenings related to occupational exposure, comprehensive blood tests, early mammography and prostate examinations regardless of age, tests measuring endovascular inflammation markers, and assessments of vitamin and mineral levels. To qualify for these screenings, a first responder must have a provider's determination that the tests have meaningful potential preventive clinical benefits and are medically appropriate. Insurance carriers are prohibited from denying coverage for these screenings or imposing prior authorization requirements, with limited exceptions for verifying the enrollee's first responder status. Furthermore, the bill requires that these specialized screenings be provided without any deductibles, copayments, or other out-of-pocket costs for the first responder. The provisions will apply to all health insurance policies executed or renewed in the state on or after January 1, 2027, reflecting a proactive approach to addressing potential health risks faced by first responders.

Health and Social Services

https://legislature.maine.gov/legis/bills/display_ps.asp?LD=784&snum=132