Prohibit the practice of white bagging

HB 3087 prohibits "white bagging," a practice where insurers require patients to get certain medications from specific pharmacies rather than their doctor's office. It directly affects health insurers, pharmacy benefit managers, and healthcare providers by requiring insurers to pay for physician-administered medications (like cancer drugs) when medically necessary, regardless of whether the medication comes from a network pharmacy. The bill mandates that insurers pay at the agreed rate or wholesale cost, bans extra fees for patients, and forbids denying coverage based solely on where the medication is obtained. It does not stop insurers from setting different copays or requiring medical necessity criteria.