Dementia treatment medical services and prescription medications coverage requirement provision and step therapy requirements for medical assistance provision

This bill requires health insurance plans in Minnesota to cover all FDA-approved medical services and prescription medications for dementia treatment, including diagnostic testing. It prohibits health plans from using step therapy (requiring patients to try less effective or cheaper treatments first) for these dementia treatments. The law applies to health plans offered, issued, or renewed on or after January 1, 2026, directly affecting Minnesotans with dementia and their insurance providers. It also modifies prior authorization rules for certain medications but centers on guaranteeing access to dementia-specific care without restrictive coverage hurdles.