Bill > HB2545

This bill, known as the Insurance Coverage for Vaginal Estrogen Act, mandates that health insurance policies offered, issued, or renewed in Pennsylvania must provide coverage for vaginal estrogen, which is estrogen in a form applied or inserted into the vagina or related areas, for the treatment of menopausal symptoms, such as hot flashes and vaginal dryness, and for the prevention of urinary tract infections. This coverage must include all United States Food and Drug Administration-approved drugs, devices, and combination products for administering vaginal estrogen, and will be subject to the policy's existing terms like medical necessity and cost sharing, which refers to the portion of healthcare costs an individual pays out-of-pocket, excluding premiums or costs for non-covered services. The act specifies when this coverage requirement will take effect for different types of health insurance policies, with a general effective date 90 days after enactment.