Healthcare

SB 440 clarifies that standalone dental and vision insurance plans (known as "excepted benefits") are not required to cover specific medical treatments, services, or conditions unless state law explicitly mandates it. This change directly affects health insurance plans offering these stand-alone benefits, removing an implied obligation to cover certain medical needs under those plans. The law applies to all new or renewed insurance policies issued on or after July 1, 2025, ensuring clarity for insurers and policyholders. It does not alter existing coverage requirements for standard health insurance plans.

HB 1198 requires Tennessee health insurers and TennCare to allow patients to try biosimilar drugs (cost-effective copies of brand-name medications) before covering the original branded drug. It amends state law to permit health carriers to mandate a biosimilar trial for equivalent branded prescriptions, removing prior requirements for generic drug trials. The bill also directs TennCare’s pharmacy committee to consider biosimilar drugs when recommending medications for the state’s preferred drug list. These changes aim to reduce prescription drug costs by increasing biosimilar adoption, as stated in the bill’s legislative findings.