HB 2296 requires health insurance plans in Missouri to cover nonopioid medications for acute pain without discrimination. It prohibits insurers from denying coverage for nonopioid drugs, forcing patients to try opioids first, or charging higher out-of-pocket costs for nonopioid options when prescribed by a licensed provider for pain expected to last 30 days or less. The law applies to all health benefit plans issued or renewed on or after January 1, 2027, directly affecting insurance companies and enrollees (policyholders) seeking pain treatment. This creates a clear standard for coverage of nonopioid alternatives to opioids for short-term pain management.
SB 1147 would establish new requirements for insurance plans to cover mental health treatments. It directly affects individuals with mental health conditions who rely on insurance for care, aiming to ensure comprehensive coverage. The bill, currently referred to the Senate Insurance and Banking Committee, proposes specific provisions for insurance coverage but does not detail exact mechanisms in the provided abstract. As a proposed policy change, it seeks to address gaps in mental health care access through insurance mandates.
SB 1449 would require health insurance plans to cover non-opioid alternatives for pain management, such as physical therapy or certain medications. This bill directly affects insurance companies, which would need to provide this coverage, and patients seeking pain treatment without opioids. The key provision mandates that insurers treat these non-opioid options with the same coverage terms as opioid medications. The bill aims to expand access to safer pain management options through insurance coverage.
HB 1966 requires health insurance plans in Missouri to cover nonopioid medications for acute pain (pain expected to last 30 days or less) on the same terms as opioids. It prohibits insurers from denying coverage for nonopioid drugs, forcing patients to try opioids first, or charging higher out-of-pocket costs for nonopioid options. The law directly affects patients (enrollees) and health insurance plans, ensuring equal treatment for nonopioid alternatives when prescribed by licensed providers. It takes effect for all new or renewed health benefit plans on or after January 1, 2027.
HB 1941 requires health insurance plans in Missouri to count payments for non-generic medications toward a patient's annual out-of-pocket maximum. Specifically, health carriers must include costs paid by enrollees for medications where a generic version is unavailable when calculating this limit. The bill also prohibits plans from adjusting cost-sharing requirements based on the availability of cost-assistance programs for such medications. This directly affects patients using non-generic prescription drugs who would otherwise face unexpectedly high out-of-pocket expenses. The law applies to most health benefit plans starting August 28, 2026.
SB 1113 requires health insurance plans to cover genetic screenings for hereditary cancer risk without cost-sharing (like copays or deductibles). It directly affects individuals with a family history of certain cancers who would otherwise face high out-of-pocket costs for these screenings. The key provision mandates that insurers include these screenings as a standard benefit in health plans, similar to other preventive services. This policy change ensures broader access to early detection tools for at-risk patients.
HB 1681 requires health insurance plans (health benefit plans) to include medication costs toward an enrollee's yearly out-of-pocket maximum when a generic drug alternative is unavailable for that medication. It prevents health carriers and pharmacy benefit managers from adjusting an enrollee's out-of-pocket costs or benefits based on the availability of cost-sharing assistance programs for non-generic medications. The bill applies to most health benefit plans starting August 28, 2026, and does not affect plans covered under the Labor Management Relations Act. This directly affects people enrolled in health insurance who need medications without generic options, ensuring these costs count toward their annual coverage limit.
HB 1680 requires health insurance plans to cover nonopioid medications equally to opioids for treating acute pain (short-term pain from injury or illness expected to last 30 days or less). It prohibits insurers from denying coverage for nonopioid drugs, forcing patients to try opioids first, or charging higher copays for nonopioid options compared to opioids. This directly affects health insurance plans and their enrollees (policyholders) who need pain treatment. The law applies to all health benefit plans issued or renewed on or after January 1, 2027. The bill aims to expand access to nonopioid pain management by removing financial and procedural barriers in insurance coverage.
HB 2236 establishes Missouri's "Infertility Access Program" through the Department of Health and Senior Services to improve fertility treatment access. The program provides travel assistance, lodging stipends, or telehealth subsidies for individuals in rural or medically underserved areas seeking care at certified fertility clinics. It also creates an "Infertility Access Fund" for program administration, requires health carriers to publish clear fertility coverage summaries, and mandates annual reports on treatment utilization, geographic barriers, and demographic data. The bill directly affects patients in underserved regions, certified fertility clinics, and health insurance providers offering fertility coverage.
SB 929 requires health insurance plans to cover self-administered hormonal contraceptives (such as pills, patches, or rings) without cost-sharing, meaning no copays or deductibles. This directly affects individuals who use these contraceptives and their insurance providers. The key provision mandates that insurers include these specific methods in their coverage, aligning with broader contraceptive access standards. The bill focuses on eliminating financial barriers to commonly used, non-prescription-dependent birth control options.
