Require insurance coverage for pre-exposure prophylaxis medication

LB 715 requires most health insurance plans in Nebraska to cover pre-exposure prophylaxis (PrEP) medication - used to prevent HIV infection - when prescribed by a doctor. This applies to individual/group health insurance policies, hospital/surgical plans, and self-funded employee benefit plans (unless federal law blocks it), but excludes limited-benefit policies like those covering only one disease. The bill does not eliminate patient cost-sharing like deductibles or copays, meaning insured individuals may still pay out-of-pocket for PrEP. It directly affects people who need HIV prevention medication but face coverage barriers under current insurance rules.