Breast cancer; to require coverage of breast reconstruction surgery

HB 453 requires all health insurance plans in Alabama - including private coverage, Medicaid, and public employee health plans - to cover breast reconstruction surgery after mastectomy or cancer treatment. It ensures patients can choose their preferred surgeon (even outside their insurance network) and defines comprehensive coverage to include all necessary procedures for physical and psychological recovery. The bill sets rules for cost-sharing in private insurance and allows patients or healthcare providers to sue insurers who fail to comply, with enforcement by the Attorney General and Insurance Commissioner. The bill is currently pending in the House Insurance Committee as of February 12, 2026.