Requires insurance coverage of skin cancer screenings

HB 1942 requires Missouri health insurance plans sold or renewed on or after January 1, 2027, to cover one annual whole-body skin exam for suspicious lesions without any cost-sharing (like copays or deductibles). This applies to all standard health benefit plans issued in Missouri, directly affecting insured Missourians seeking preventive skin cancer screenings. The bill mandates coverage using standard medical codes for the exam and prohibits insurers from charging patients for this specific service. It excludes supplemental policies like Medicare supplements and short-term plans from this requirement.