Relating to cost-sharing requirements for breast examinations

West Virginia's SB 518 prohibits health insurance plans from requiring copays, deductibles, or other out-of-pocket costs for specific breast examinations. It applies to "diagnostic" exams (used to evaluate suspicious findings) and "supplemental" exams (high-risk screening based on personal/family history), covering services like mammograms, ultrasounds, or MRIs. The law takes effect for all new or renewed insurance policies in West Virginia starting July 1, 2027, and includes one exception for Health Savings Account plans under federal rules. This directly affects insurers selling health coverage in West Virginia and patients needing these medically necessary breast exams.