215 ILCS 5/356g
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article XX - Accident And Health Insurance

 (from Ch. 73, par. 968g)Sec. 356g. Mammograms; mastectomies.(a) Every insurer shall provide in each group or individual  policy, contract, or certificate of insurance issued or renewed for persons  who are residents of this State, coverage for screening by low-dose  mammography for all women 35 years of age or older for the presence of  occult breast cancer within the provisions of the policy, contract, or  certificate. The coverage shall be as follows:(1) A baseline mammogram for women 35 to 39 years of     age.(2) An annual mammogram for women 40 years of age or     older.(3) A mammogram at the age and intervals considered     medically necessary by the woman's health care provider for women under 40 years of age and having a family history of breast cancer, prior personal history of breast cancer, positive genetic testing, or other risk factors.(4) For an individual or group policy of accident and     health insurance or a managed care plan that is amended, delivered, issued, or renewed on or after the effective date of this amendatory Act of the 101st General Assembly, a comprehensive ultrasound screening and MRI of an entire breast or breasts if a mammogram demonstrates heterogeneous or dense breast tissue or when medically necessary as determined by a physician licensed to practice medicine in all of its branches.(5) A screening MRI when medically necessary, as     determined by a physician licensed to practice medicine in all of its branches.(6) For an individual or group policy of accident and     health insurance or a managed care plan that is amended, delivered, issued, or renewed on or after the effective date of this amendatory Act of the 101st General Assembly, a diagnostic mammogram when medically necessary, as determined by a physician licensed to practice medicine in all its branches, advanced practice registered nurse, or physician assistant.A policy subject to this subsection shall not impose a deductible, coinsurance, copayment, or any other cost-sharing requirement on the coverage provided; except that this sentence does not apply to coverage of diagnostic mammograms to the extent such coverage would disqualify a high-deductible health plan from eligibility for a health savings account pursuant to Section 223 of the Internal Revenue Code (26 U.S.C. 223).For purposes of this Section:"Diagnostic  mammogram" means a mammogram obtained using diagnostic mammography."Diagnostic  mammography" means a method of screening that is designed to  evaluate an abnormality in a breast, including an abnormality seen  or suspected on a screening mammogram or a subjective or objective  abnormality otherwise detected in the breast."Low-dose mammography"  means the x-ray examination of the breast using equipment dedicated  specifically for mammography, including the x-ray tube, filter, compression  device, and image receptor, with radiation exposure delivery of less than  1 rad per breast for 2 views of an average size breast.  The term also includes digital mammography and includes breast tomosynthesis. As used in this Section, the term "breast tomosynthesis" means a radiologic procedure that involves the acquisition of projection images over the stationary breast to produce cross-sectional digital three-dimensional images of the breast.If, at any time, the Secretary of the United States Department of Health and Human Services, or its successor agency, promulgates rules or regulations to be published in the Federal Register or publishes a comment in the Federal Register or issues an opinion, guidance, or other action that would require the State, pursuant to any provision of the Patient Protection and Affordable Care Act (Public Law 111-148), including, but not limited to, 42 U.S.C. 18031(d)(3)(B) or any successor provision, to defray the cost of any coverage for breast tomosynthesis outlined in this subsection, then the requirement that an insurer cover breast tomosynthesis is inoperative other than any such coverage authorized under Section 1902 of the Social Security Act, 42 U.S.C. 1396a, and the State shall not assume any obligation for the cost of coverage for breast tomosynthesis set forth in this subsection.(a-5) Coverage as described by subsection (a) shall be provided at no cost to the insured and shall not be applied to an annual or lifetime maximum benefit.(a-10) When health care services are available through contracted providers and a person does not comply with plan provisions specific to the use of contracted providers, the requirements of  subsection (a-5) are not applicable.  When a person does not comply with plan provisions specific to the use of contracted providers, plan provisions specific to the use of non-contracted providers must be applied without distinction for coverage required by this Section and shall be at least as favorable as for other radiological examinations covered by the policy or contract.(b) No policy of accident or health insurance that provides for  the surgical procedure known as a mastectomy shall be issued, amended,  delivered, or renewed in this State unless  that coverage also provides for prosthetic devices  or reconstructive surgery  incident to the mastectomy.  Coverage for breast reconstruction in connection with a mastectomy shall  include:(1) reconstruction of the breast upon which the     mastectomy has been performed;(2) surgery and reconstruction of the other breast to     produce a symmetrical appearance; and(3) prostheses and treatment for physical     complications at all stages of mastectomy, including lymphedemas.  Care shall be determined in consultation with the attending physician and the  patient.  The offered coverage for prosthetic devices and  reconstructive surgery shall be subject to the deductible and coinsurance  conditions applied to the mastectomy, and all other terms and conditions  applicable to other benefits.  When a mastectomy is performed and there is  no evidence of malignancy then the offered coverage may be limited to the  provision of prosthetic devices and reconstructive surgery to within 2  years after the date of the mastectomy. As used in this Section,  "mastectomy" means the removal of all or part of the breast for medically  necessary reasons, as determined by a licensed physician.Written notice of the availability of coverage under this Section shall be  delivered to the insured upon enrollment and annually thereafter.  An insurer  may not deny to an insured eligibility, or continued eligibility, to enroll or  to renew coverage under the terms of the plan solely for the purpose of  avoiding the requirements of this Section.  An insurer may not penalize or  reduce or  limit the reimbursement of an attending provider or provide incentives  (monetary or otherwise) to an attending provider to induce the provider to  provide care to an insured in a manner inconsistent with this Section.(c) Rulemaking authority to implement Public Act 95-1045, if any, is conditioned on the rules being adopted in accordance with all provisions of the Illinois Administrative Procedure Act and all rules and procedures of the Joint Committee on Administrative Rules; any purported rule not so adopted, for whatever reason, is unauthorized.(Source: P.A. 100-395, eff. 1-1-18; 101-580, eff. 1-1-20.)