relative to insurance coverage for biomarker testing.

SB 120 requires health insurers and Medicaid to cover biomarker testing when it has "clinical utility" - meaning the test results directly inform treatment decisions for a patient's condition. The bill specifies that coverage must be based on accepted medical evidence, such as FDA-approved test indications, CMS guidelines, or nationally recognized clinical practice guidelines. It also mandates that prior authorization requests for such testing be resolved within 72 hours for urgent cases and 14 days for non-urgent cases. This bill directly affects patients seeking biomarker tests, insurers, and healthcare providers by standardizing coverage criteria and processing timelines.