AN ACT to provide health coverage PARITY for breast cancer diagnostic imaging.

The General Assembly of North Carolina enacts:

SECTION 1.(a)  G.S. 58‑51‑57 is recodified as G.S. 58‑3‑271.

SECTION 1.(b)  G.S. 58‑65‑92 is repealed.

SECTION 1.(c)  G.S. 58‑67‑76 is repealed.

SECTION 2.  G.S. 58‑3‑271, as enacted by Section 1(a) of this act, reads as rewritten:

§ 58‑3‑271.  Coverage for screening and diagnostic examinations for breast cancer, including mammograms and other imaging, and cervical cancer screening.

(a)        The following definitions apply in this section:

(1)        Breast magnetic resonance imaging. – A diagnostic tool that uses a powerful magnetic field, radio waves, and a computer to produce detailed pictures of the structures within the breast.

(2)        Breast ultrasound. – A noninvasive diagnostic tool that uses high‑frequency sound waves to produce detailed images of the breast.

(3)        Cost‑sharing requirement. – A deductible, coinsurance, copayment, and any maximum limitation on the application of a deductible, coinsurance, copayment, or similar out‑of‑pocket expense.

(4)        Diagnostic examination for breast cancer. – An examination for breast cancer that is determined by the health care provider treating the patient to be medically necessary and appropriate and that may include a diagnostic low‑dose mammography, breast magnetic resonance imaging, or breast ultrasound to evaluate the abnormality in the breast that meets one of the following criteria:

a.         Is seen or suspected from a screening examination for breast cancer.

b.         Is detected by another means of examination.

c.         Is suspected based on the medical history or family medical history of the individual.

(5)        Low‑dose mammography. – A radiologic procedure for the early detection of breast cancer using equipment dedicated specifically for mammography, including a physician's interpretation of the results of the procedure.

(6)        Screening of early detection of cervical cancer. – Examinations and laboratory tests used to detect cervical cancer, including conventional PAP smear screening, liquid‑based cytology, and human papilloma virus (HPV) detection methods for women with equivocal findings on cervical cytologic analysis that are subject to the approval of and have been approved by the United States Food and Drug Administration.

(a)(b)   Every policy or contract of accident or health insurance, and every preferred provider benefit plan under G.S. 58‑50‑56, that is issued, renewed, or amended on or after January 1, 1992, heath benefit plan offered by an insurer in this State shall provide coverage for examinations and laboratory tests for the screening for the early detection of cervical cancer and for low‑dose screening mammography. The same deductibles, coinsurance, and other limitations as apply to similar services covered under the policy, contract, or plan shall apply to coverage for examinations and laboratory tests for the screening for the early detection of cervical cancer and low‑dose screening mammography.

(a1)      As used in this section, examinations and laboratory tests for the screening for the early detection of cervical cancer means conventional PAP smear screening, liquid‑based cytology, and human papilloma virus (HPV) detection methods for women with equivocal findings on cervical cytologic analysis that are subject to the approval of and have been approved by the United States Food and Drug Administration.

(b)        As used in this section, low‑dose screening mammography means a radiologic procedure for the early detection of breast cancer provided to an asymptomatic woman using equipment dedicated specifically for mammography, including a physician's interpretation of the results of the procedure.

(c)        Every health benefit plan offered by an insurer in this State that provides benefits for a diagnostic examination for breast cancer shall ensure that the cost‑sharing requirements applicable to a diagnostic examination for breast cancer are no less favorable than the cost‑sharing requirements applicable to a screening examination for breast cancer.

(c)(d)   Coverage for low‑dose screening mammography shall be provided as follows:

(1)        One or more mammograms a year, as recommended by a physician, for any woman who is at risk for breast cancer. For purposes of this subdivision, a woman is at risk for breast cancer if any one or more of the following is true:

a.         The woman has a personal history of breast cancer;cancer.

b.         The woman has a personal history of biopsy‑proven benign breast disease;disease.

c.         The woman's mother, sister, or daughter has or has had breast cancer; orcancer.

d.         The woman has not given birth prior to the age of 30;30.

(2)        One baseline mammogram for any woman 35 through 39 years of age, inclusive;inclusive.

(3)        A mammogram every other year for any woman 40 through 49 years of age, inclusive, or more frequently upon recommendation of a physician; andphysician.

(4)        A mammogram every year for any woman 50 years of age or older.

(d)(e)   Reimbursement for a mammogram authorized under this section shall be made only if the facility in which the mammogram was performed meets mammography accreditation standards established by the North Carolina Medical Care Commission.

(e)(f)    Coverage for the screening for the early detection of cervical cancer shall be in accordance with the most recently published American Cancer Society guidelines or guidelines adopted by the North Carolina Advisory Committee on Cancer Coordination and Control. Coverage shall include the examination, the laboratory fee, and the physician's interpretation of the laboratory results. Reimbursements for laboratory fees shall be made only if the laboratory meets accreditation standards adopted by the North Carolina Medical Care Commission.

SECTION 3.  This act becomes effective October 1, 2021, and applies to insurance contracts issued, renewed, or amended on or after that date.