Providing diagnostic and supplemental breast examinations without cost sharing

This bill requires health insurance plans in West Virginia to cover diagnostic and supplemental breast examinations without any out-of-pocket costs (like deductibles or copays) for policyholders. It directly affects West Virginia residents with health insurance who need these exams, including those for evaluating abnormalities (diagnostic) or for screening based on personal/family risk factors (supplemental). The law specifies that insurers must cover these services as defined by medical guidelines, with a limited exception for Health Savings Account-qualified high-deductible plans regarding federal tax rules. The Insurance Commissioner may create implementing rules to align with current medical standards.