Insurance, Health, Accident - As enacted, expands the definition of a health benefit plan; requires a health benefit plan that amends, renews, or delivers a policy of coverage on or after January 1, 2026, and that provides coverage for prescription contraceptives, to provide coverage for a 12-month refill of contraceptives obtained at one time by an insured person. - Amends TCA Title 56 and Title 71.

SB 589 requires health insurance plans in Tennessee that cover prescription contraceptives to provide a 12-month refill option at one time, instead of shorter-term refills. This applies to all health benefit plans (including Medicaid/TennCare and CoverKids programs) that renew, amend, or issue coverage on or after January 1, 2026. The bill directly affects insured individuals who use prescription contraceptives by simplifying access to longer-term supply. It amends Tennessee law to expand the definition of "health benefit plan" and updates the effective date for this requirement. The policy change focuses on coverage mechanics, not outcomes or advocacy.