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SF 417

A bill for an act relating to insurance coverage and Medicaid coverage for annual lung cancer screenings for at-risk individuals.

2025-2026 Regular Session Introduced by Tony Bisignano and 10 co-sponsors

SF 417 mandates insurance coverage for annual lung cancer screenings without cost-sharing for at-risk individuals, improving early detection and survival rates.

Subcommittee: Driscoll, Bisignano, and Klimesh.
#cancer #insurance #insurancedivision #lungs #medicalassistance #publicassistance
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Bill Summary · SF 417

Summary of SF 417: Annual Lung Cancer Screening Coverage

Purpose and Intent

Senate File 417 (SF 417) aims to enhance healthcare access for at-risk individuals by mandating insurance coverage for annual lung cancer screenings. The bill is designed to improve early detection of lung cancer, which can significantly increase survival rates, particularly among populations at higher risk.

Key Provisions

  1. Coverage Requirement:

    • The bill requires all health insurance policies, contracts, or plans that provide third-party payment or prepayment for health or medical expenses to cover annual lung cancer screenings for individuals identified as at-risk.

  2. Definition of Terms:

    • At-Risk Individual: Defined as a person who meets specific criteria for lung cancer risk, although the criteria are not detailed in the provided text.
    • Lung Cancer Screening: Specifically refers to low-dose computed tomography (CT) scans of the lungs.

  3. Cost-Sharing Prohibition:

    • Health carriers are prohibited from imposing any cost-sharing requirements (such as copayments, deductibles, or coinsurance) for the lung cancer screening mandated by this bill.

  4. Applicability:

    • The coverage requirement applies to various types of insurance plans, including:
      • Individual and group accident and sickness insurance.
      • Hospital or medical service contracts.
      • Health maintenance organization contracts.
      • Plans for public employees.
    • The bill does not apply to certain types of insurance, such as accident-only, dental, vision, or long-term care insurance.

  5. Implementation Timeline:

    • The provisions of this bill will take effect for policies delivered, issued for delivery, continued, or renewed on or after January 1, 2026.

Affected Parties

  • Individuals: At-risk individuals will benefit directly from the mandated coverage, allowing them to access necessary screenings without financial barriers.
  • Insurance Providers: Health insurance companies will need to adjust their policies to comply with the new coverage requirements.
  • Healthcare Providers: Medical professionals involved in lung cancer screenings will see an increase in patients eligible for these services.

Legislative Actions

  • Introduced: February 24, 2025
  • Referred to Commerce: The bill was referred to the Commerce Committee for further consideration.
  • Subcommittee Assignment: On February 25, 2025, the bill was assigned to a subcommittee consisting of Senators Driscoll, Bisignano, and Klimesh for review.

Conclusion

SF 417 represents a significant step toward improving lung cancer screening accessibility for at-risk individuals by ensuring that such screenings are covered by insurance without cost-sharing. This legislative effort underscores the importance of early detection in combating lung cancer and aims to enhance public health outcomes in the state.

Compiled from official sources — confirm details with the bill’s official record.

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