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1 | | (C) The General Assembly intends to build on existing |
2 | | State and federal law to promote gender equity and women's |
3 | | health and to ensure greater contraceptive coverage equity |
4 | | and timely access to all federal Food and Drug |
5 | | Administration approved methods of birth control for all |
6 | | individuals covered by an individual or group health |
7 | | insurance policy in Illinois. |
8 | | (D) Medical management techniques such as denials, |
9 | | step therapy, or prior authorization in public and private |
10 | | health care coverage can impede access to the most |
11 | | effective contraceptive methods. |
12 | | (2) As used in this subsection (a): |
13 | | "Contraceptive services" includes consultations, |
14 | | examinations, procedures, and medical services related to the |
15 | | use of contraceptive methods (including natural family |
16 | | planning) to prevent an unintended pregnancy. |
17 | | "Medical necessity", for the purposes of this subsection |
18 | | (a), includes, but is not limited to, considerations such as |
19 | | severity of side effects, differences in permanence and |
20 | | reversibility of contraceptive, and ability to adhere to the |
21 | | appropriate use of the item or service, as determined by the |
22 | | attending provider. |
23 | | "Therapeutic equivalent version" means drugs, devices, or |
24 | | products that can be expected to have the same clinical effect |
25 | | and safety profile when administered to patients under the |
26 | | conditions specified in the labeling and satisfy the following |
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1 | | general criteria: |
2 | | (i) they are approved as safe and effective; |
3 | | (ii) they are pharmaceutical equivalents in that they |
4 | | (A) contain identical amounts of the same active drug |
5 | | ingredient in the same dosage form and route of |
6 | | administration and (B) meet compendial or other applicable |
7 | | standards of strength, quality, purity, and identity; |
8 | | (iii) they are bioequivalent in that (A) they do not |
9 | | present a known or potential bioequivalence problem and |
10 | | they meet an acceptable in vitro standard or (B) if they do |
11 | | present such a known or potential problem, they are shown |
12 | | to meet an appropriate bioequivalence standard; |
13 | | (iv) they are adequately labeled; and |
14 | | (v) they are manufactured in compliance with Current |
15 | | Good Manufacturing Practice regulations. |
16 | | (3) An individual or group policy of accident and health |
17 | | insurance amended,
delivered, issued, or renewed in this State |
18 | | after the effective date of this amendatory Act of the 99th |
19 | | General Assembly shall provide coverage for all of the |
20 | | following services and contraceptive methods: |
21 | | (A) All contraceptive drugs, devices, and other |
22 | | products approved by the United States Food and Drug |
23 | | Administration. This includes all over-the-counter |
24 | | contraceptive drugs, devices, and products approved by the |
25 | | United States Food and Drug Administration, excluding male |
26 | | condoms. The following apply: |
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1 | | (i) If the United States Food and Drug |
2 | | Administration has approved one or more therapeutic |
3 | | equivalent versions of a contraceptive drug, device, |
4 | | or product, a policy is not required to include all |
5 | | such therapeutic equivalent versions in its formulary, |
6 | | so long as at least one is included and covered without |
7 | | cost-sharing and in accordance with this Section. |
8 | | (ii) If an individual's attending provider |
9 | | recommends a particular service or item approved by the |
10 | | United States Food and Drug Administration based on a |
11 | | determination of medical necessity with respect to |
12 | | that individual, the plan or issuer must cover that |
13 | | service or item without cost sharing. The plan or |
14 | | issuer must defer to the determination of the attending |
15 | | provider. |
16 | | (iii) If a drug, device, or product is not covered, |
17 | | plans and issuers must have an easily accessible, |
18 | | transparent, and sufficiently expedient process that |
19 | | is not unduly burdensome on the individual or a |
20 | | provider or other individual acting as a patient's |
21 | | authorized representative to ensure coverage without |
22 | | cost sharing. |
23 | | (iv) This coverage must provide for the dispensing |
24 | | of 12 months' worth of contraception at one time. |
25 | | (B) Voluntary sterilization procedures. |
26 | | (C) Contraceptive services, patient education, and |
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1 | | counseling on contraception. |
2 | | (D) Follow-up services related to the drugs, devices, |
3 | | products, and procedures covered under this Section, |
4 | | including, but not limited to, management of side effects, |
5 | | counseling for continued adherence, and device insertion |
6 | | and removal. |
7 | | (4) Except as otherwise provided in this subsection (a), a |
8 | | policy subject to this subsection (a) shall not impose a |
9 | | deductible, coinsurance, copayment, or any other cost-sharing |
10 | | requirement on the coverage provided. The provisions of this |
11 | | paragraph do not apply to coverage of voluntary male |
12 | | sterilization procedures to the extent such coverage would |
13 | | disqualify a high-deductible health plan from eligibility for a |
14 | | health savings account pursuant to the federal Internal Revenue |
15 | | Code, 26 U.S.C. 223. |
16 | | (5) Except as otherwise authorized under this subsection |
17 | | (a), a policy shall not impose any restrictions or delays on |
18 | | the coverage required under this subsection (a). |
19 | | (6) If, at any time, the Secretary of the United States |
20 | | Department of Health and Human Services, or its successor |
21 | | agency, promulgates rules or regulations to be published in the |
22 | | Federal Register or publishes a comment in the Federal Register |
23 | | or issues an opinion, guidance, or other action that would |
24 | | require the State, pursuant to any provision of the Patient |
25 | | Protection and Affordable Care Act (Public Law 111-148), |
26 | | including, but not limited to, 42 U.S.C. 18031(d)(3)(B) or any |
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1 | | successor provision, to defray the cost of any coverage |
2 | | outlined in this subsection (a), then this subsection (a) is |
3 | | inoperative with respect to all coverage outlined in this |
4 | | subsection (a) other than that authorized under Section 1902 of |
5 | | the Social Security Act, 42 U.S.C. 1396a, and the State shall |
6 | | not assume any obligation for the cost of the coverage set |
7 | | forth in this subsection (a). |
8 | | (b) This subsection (b) shall become operative if and only |
9 | | if subsection (a) becomes inoperative. |
10 | | An individual or group policy of accident and health |
11 | | insurance amended,
delivered, issued, or renewed in this State |
12 | | after the date this subsection (b) becomes operative that |
13 | | provides coverage for
outpatient services and outpatient |
14 | | prescription drugs or devices must provide
coverage for the |
15 | | insured and any
dependent of the
insured covered by the policy |
16 | | for all outpatient contraceptive services and
all outpatient |
17 | | contraceptive drugs and devices approved by the Food and
Drug |
18 | | Administration. Coverage required under this Section may not |
19 | | impose any
deductible, coinsurance, waiting period, or other |
20 | | cost-sharing or limitation
that is greater than that required |
21 | | for any outpatient service or outpatient
prescription drug or |
22 | | device otherwise covered by the policy.
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23 | | Nothing in this subsection (b) shall be construed to |
24 | | require an insurance
company to cover services related to |
25 | | permanent sterilization that requires a
surgical procedure. |
26 | | As used in this subsection (b), "outpatient contraceptive |
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1 | | service" means
consultations, examinations, procedures, and |
2 | | medical services, provided on an
outpatient basis and related |
3 | | to the use of contraceptive methods (including
natural family |
4 | | planning) to prevent an unintended pregnancy.
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5 | | (c) Nothing in this Section shall be construed to require |
6 | | an insurance
company to cover services related to an abortion |
7 | | as the term "abortion" is
defined in the Illinois Abortion Law |
8 | | of 1975.
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9 | | (d) If a plan or issuer utilizes a network of providers, |
10 | | nothing in this Section shall be construed to require coverage |
11 | | or to prohibit the plan or issuer from imposing cost-sharing |
12 | | for items or services described in this Section that are |
13 | | provided or delivered by an out-of-network provider, unless the |
14 | | plan or issuer does not have in its network a provider who is |
15 | | able to or is willing to provide the applicable items or |
16 | | services.
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17 | | (Source: P.A. 99-672, eff. 1-1-17 .)".
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