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Bill

Bill

SB 362

Health insurance; coverage for donor human milk, penalties.

2026 Regular Session Introduced by Jennifer Carroll Foy

Virginia requires health insurers to cover donor human milk for eligible patients and imposes penalties for non-compliance with the new mandate.

Engrossed by Senate (Voice Vote)
0
WeVote Research Nonpartisan
Bill Summary · SB 362

Legislative bill overview

SB 362 requires health insurance plans in Virginia to cover donor human milk (breast milk from screened donors) as a covered benefit. The bill also establishes penalties for insurance companies that fail to comply with this coverage mandate.

Why is this important

Donor human milk can be medically necessary for premature infants, immunocompromised newborns, and babies with certain allergies who cannot tolerate formula. Insurance coverage requirements remove financial barriers for families who need this specialized medical product, which can cost $100-200+ per ounce out-of-pocket.

Potential points of contention

  • Cost impact: Insurance companies may argue this expands covered benefits without corresponding rate adjustments, potentially increasing premiums for all policyholders
  • Medical necessity definition: Unclear criteria for what conditions qualify—overly broad coverage could increase costs; too restrictive definitions limit access for those who need it
  • Penalty structure: The bill's specific penalty amounts and enforcement mechanisms are not detailed in available information, raising questions about adequacy and fairness

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

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