An Act To Require Health Insurance Coverage For Specialized Risk Screening For First Responders

LD 784 requires Maine health insurance plans to cover specific preventive screenings for first responders (including firefighters, police officers, EMTs, and emergency communications personnel) without denying coverage, requiring prior authorization (except to verify first responder status or for screenings by designated providers), or charging out-of-pocket costs. The screenings include cancer tests linked to job risks, blood tests, age-independent cancer screenings, and tests for inflammation or nutritional deficiencies. This law applies to all health insurance policies issued or renewed on or after January 1, 2027, ensuring first responders can access these preventive services without financial or administrative barriers.