Health plans required to cover pap tests and subsequent diagnostic services, commissioner of commerce required to defray the cost of coverage of pap tests and subsequent diagnostic services, related language modified, and money appropriated.

HF 3789 requires all health insurance plans in Minnesota to cover pap tests and any necessary follow-up diagnostic services without cost-sharing (like deductibles or copays) for enrollees. It directly affects health insurance companies and their members by mandating this coverage starting January 1, 2027. The bill also requires the commissioner of commerce to reimburse insurers for the costs of this coverage, beginning in fiscal year 2028, using funds from the general budget. This applies to all health plans sold in Minnesota after the effective date, ensuring no additional out-of-pocket costs for these preventive services.