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SB 589

Insurance, Health, Accident - As enacted, expands the definition of a health benefit plan; requires a health benefit plan that amends, renews, or delivers a policy of coverage on or after January 1, 2026, and that provides coverage for prescription contraceptives, to provide coverage for a 12-month refill of contraceptives obtained at one time by an insured person. - Amends TCA Title 56 and Title 71.

114th Regular Session (2025-2026) Introduced by Raumesh Akbari

Tennessee requires health insurers to cover 12-month contraceptive refills as one-time dispensation starting 2026, affecting coverage practices and patient access.

Comp. became Pub. Ch. 595
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Bill Summary · SB 589

Legislative bill overview

SB 589 requires health insurance plans in Tennessee that cover prescription contraceptives to allow patients to obtain a 12-month supply in a single fill starting January 1, 2026. The bill applies to plans that amend, renew, or newly deliver coverage on or after that date, modifying state insurance law under Title 56 and Title 71.

Why is this important

This affects prescription access and healthcare costs for Tennesseans using contraception. By allowing bulk fills, the bill aims to reduce pharmacy visits, improve medication adherence, and potentially lower out-of-pocket costs by consolidating copayments—though it also requires insurers to adjust their formulary and dispensing practices.

Potential points of contention

  • Insurance cost impacts: Insurers may argue that bulk 12-month dispensing increases upfront pharmacy costs and creates inventory/expiration concerns, potentially raising premiums or limiting plan options
  • Medication access equity: The requirement only applies to plans covering contraceptives; patients without such coverage or using non-formulary methods remain unaffected
  • Pharmacist and insurer implementation challenges: Pharmacies and insurance companies must restructure claims processing, prior authorization workflows, and inventory management to accommodate 12-month fills

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

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