Bill > SB1113

This bill requires health insurance plans in Missouri to provide comprehensive coverage for genetic counseling and genetic testing for individuals at increased risk of cancer, starting January 1, 2027. The legislation mandates that health benefit plans cover genetic counseling services provided by certified professionals and genetic laboratory tests for individuals with a personal or family history of cancer, as determined by a clinical risk assessment. Importantly, health carriers are prohibited from using the results of genetic counseling or testing to make any underwriting decisions, such as determining eligibility, establishing premiums, or limiting coverage. The bill also stipulates that there can be no cost-sharing requirements for these services, meaning patients would not have to pay out-of-pocket expenses for genetic counseling or testing. The legislation defines key terms such as "genetic counseling" as services that address the physical and psychological aspects of genetic disorders or disease risks, and ensures that these services must be provided by professionals accredited by a recognized body. The bill includes a provision to maintain compliance with federal health savings account regulations, ensuring that the coverage requirements do not inadvertently disqualify high-deductible health plans from tax-advantaged status.

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https://www.senate.mo.gov/26info/BTS_Web/Bill.aspx?SessionType=R&BillID=679