Health plans coverage of doula services requirement provisions, language modifications around coverage of doula services, and appropriation

SF 3768 requires all health insurance plans in Minnesota to cover doula services - defined as childbirth support provided by a certified doula - without any out-of-pocket costs for enrollees (such as deductibles or co-pays). The bill prohibits health plans from imposing review requirements, referral limits, or quantity restrictions on this coverage. The commissioner of commerce will reimburse insurers for the added costs starting in fiscal year 2028, funded through state appropriations, with the policy taking effect January 1, 2027. This applies to all health plans offered after that date and modifies Medicaid coverage for doula services to align with these requirements.