OK| Bulletin 2025-05 from the Oklahoma Insurance Department outlines recent Oklahoma legislative changes affecting health insurance coverage, effective November 1, 2025, requiring insurers to update policies accordingly.
- House Bill 1389: Expands breast cancer screening coverage by including contrast-enhanced mammograms and molecular breast imaging under diagnostic examinations, and mandates coverage for supplemental screenings—such as MRI or ultrasound—for individuals at higher risk due to family history or dense breast tissue.
- House Bill 1516: Raises the minimum age for minors to contract for life or accident and health insurance from 15 to 16 years, provided there is signed parental or guardian consent, and clarifies that insurance agents are not liable for failure to obtain such consent.
- Senate Bill 109: Requires health benefit plans to cover clinical genetic testing for inherited cancer gene mutations and evidence-based cancer imaging for high-risk individuals without cost-sharing, though exceptions apply to maintain HSA eligibility for qualified high-deductible plans.
- Senate Bill 176: Mandates that health plans providing contraceptive drug coverage must offer a three-month supply initially and a six-month supply thereafter, with no restrictions on requesting smaller quantities, while explicitly excluding coverage requirements for medications used to terminate pregnancies.
- Senate Bill 1019: Prohibits insurers from imposing time limits on covered anesthesia services during medical or surgical procedures, ensuring full coverage for necessary anesthesia duration without restrictions or exclusions
- Senate Bill 1050: Amends the Unfair Claims Settlement Practices Act by reducing the time insurers have to request refunds on paid claims—from 12 to 6 months for claimants and from 18 to 12 months for healthcare providers—tightening post-payment audit windows.