The Women's Health and Cancer Rights Act (WHCRA) requires health insurance plans that cover mastectomies to pay for reconstructive surgery in connection with a mastectomy. Issues include whether employers may impose deductibles or coinsurance requirements, minimum hospital stay entitlements, and notification demands.Effective with years beginning on October 21, 1998, the WHCRA requires health plans that cover mastectomies to pay for reconstructive surgery in connection with a mastectomy.
The WHCRA applies to group health plans, health insurance companies, or health maintenance organizations (HMOs), if the plan or coverage provides medical and surgical benefits with respect to a mastectomy.
The WHCRA does not require all group health plans, insurance companies, and HMOs to provide reconstructive surgery benefits. Only those which provide coverage for medical and surgical benefits with respec...(register to read more)