Prohibits pre-approval or precertification of medical tests, procedures and prescription drugs covered under health benefits or prescription drug benefits plans.

This bill prohibits health insurers, third-party administrators, pharmacy benefits managers, and state health benefit programs (like the State Health Benefits Program and School Employees’ Health Benefits Program) from requiring pre-approval or precertification for covered medical tests, procedures, or prescription drugs. It directly affects patients and healthcare providers by removing insurance company barriers that previously delayed care. The key provision states that payment for covered services must be made without pre-approval if the service is prescribed by a licensed provider and included in the plan. The bill applies to all health and prescription drug plans issued or purchased on or after its effective date. It aims to streamline access to medically necessary treatments by ensuring insurers pay for doctor-recommended care without bureaucratic delays.