HF703

The bill presented requires health insurance plans in Minnesota to cover cancer imaging and clinical genetic testing. This is specifically for individuals who are at an increased risk of cancer according to guidelines set by the National Comprehensive Cancer Network (NCCN). These services include genomic testing to identify inherited genetic mutations linked to cancer and recommended imaging techniques based on evidence.

Key points of the bill are:

1. Definitions: It clearly defines what constitutes "clinical genetic testing" and "imaging" under the terms of health insurance coverage.

2. Coverage Requirements: Health plans must cover both clinical genetic testing and cancer imaging without subjecting these services to any form of cost-sharing (like deductibles, copayments, or coinsurance).

3. Exceptions Based on Deductible: There is a provision that if covering these tests without cost-sharing would make a health plan incompatible with health savings accounts or certain types of catastrophic plans under U.S. federal laws, the zero cost-sharing rule will only apply once a plan's deductible is met by the enrollee.

This bill aims to reduce barriers for those needing essential cancer risk assessment and monitoring services, promoting early detection and management of cancer.