Establishing insurance provisions requiring coverage for annual breast cancer screenings

This bill requires health insurance plans in West Virginia to cover annual mammograms for women aged 40 and older without needing a doctor's order first. It also mandates coverage for mammograms for women under 40 with breast cancer risk factors (like family history), based on medical necessity as determined by their provider. These requirements apply to all individual and group health insurance policies delivered, issued, or renewed in West Virginia on or after January 1, 2026. The policy affects all women in the state who have health insurance through these plans, ensuring coverage aligns with current medical guidelines for breast cancer screening.