Requires certain health insurance policies to include coverage for the cost of certain infant and baby formulas

Bill S 868 requires most health insurance plans covering prescription drugs to include coverage for medically necessary infant and baby formulas. It directly affects insured individuals with specific medical conditions like metabolic disorders, severe allergies, Crohn's disease, or gastrointestinal motility issues, as determined by a physician's written order. The bill mandates that coverage must be provided for formulas proven effective for these conditions (including amino acid-based or modified solid foods), with a minimum annual coverage of $3,000 per person. It distinguishes required medical formulas from elective nutritional supplements and applies to policies already covering prescription drugs.