State laws may provide additional rights and benefits to individuals coping with cancer. Triage Cancer also has charts of state laws related to employment, disability insurance, health insurance, accessing medical records, estate planning, other cancer-related state laws, genetic information, and immigration. Please note that this information changes frequently, so check back for up-to-date information.
This chart includes the state laws that provide benefits and protections in the health insurance related to COVID-19.
Congress has passed several pieces of legislation that may provide federal benefits. The CARES Act and Families First Act requires that group health plans and individual health insurers cover (without cost-sharing) COVID-19 testing and urgent-care, emergency room, and telehealth visits that result in an order for an administration of a COVID-19 test. For more information visit the COVID-19 module of CancerFinances.org.
| State | Testing Exceeds CARES Act Standards | Lower Cost Share of COVID Treatment | Early Prescription Refill | Premium Grace Period | Off-formulary drug coverage | |||||
|---|---|---|---|---|---|---|---|---|---|---|
| ALABAMA | ||||||||||
| ALASKA | x | https://www.commerce.alaska.gov/web/Portals/11/Pub/INS_B20-04.pdf | x | https://aws.state.ak.us/OnlinePublicNotices/Notices/View.aspx?id=197304 | x | https://aws.state.ak.us/OnlinePublicNotices/Notices/View.aspx?id=197636 | x | https://aws.state.ak.us/OnlinePublicNotices/Notices/View.aspx?id=197636 | ||
| ARIZONA | x | https://insurance.az.gov/covid19 | ||||||||
| ARKANSAS | x | https://insurance.arkansas.gov/news/2020/apr/02/60-day-covid-19-insurance-cancellation-moratoriums/ | ||||||||
| CALIFORNIA | x | http://www.dmhc.ca.gov/Portals/0/Docs/OPL/APL-COVID-19WaiverOfCostShare3-5-20Final.pdf | x | http://www.dmhc.ca.gov/Portals/0/Docs/OPL/APL-COVID-19WaiverOfCostShare3-5-20Final.pdf | x | http://www.dmhc.ca.gov/Portals/0/Docs/OPL/APL-COVID-19WaiverOfCostShare3-5-20Final.pdf | ||||
| COLORADO | x | https://www.colorado.gov/pacific/dora/news/consumer-advisory-division-insurance-directs-insurers-covid-19-coverage | x | https://drive.google.com/file/d/1LkOHSK3lnHyL_bUXdFM7Rjx5cRZ4ndt7/view | ||||||
| CONNECTICUT | x | https://portal.ct.gov/-/media/CID/1_Bulletins/Bulletin-IC-40.pdf?la=en | ||||||||
| DELAWARE | x | https://insurance.delaware.gov/wp-content/uploads/sites/15/2020/03/domestic-foreign-insurers-bulletin-no116.pdf | ||||||||
| *DISTRICT OF COLUMBIA | x | https://www.dchealthlink.com/coronavirus | x | https://www.dchealthlink.com/coronavirus | x | https://www.dchealthlink.com/coronavirus | x | https://www.dchealthlink.com/coronavirus | ||
| FLORIDA | x | https://floridaspharmacy.gov/latest-news/gov-desantis-declares-state-of-emergency-in-florida-in-response-to-covid-19/ | ||||||||
| GEORGIA | x | https://www.oci.ga.gov/ExternalResources/Announcements/Directive-3202020-1057.pdf | ||||||||
| HAWAII | ||||||||||
| IDAHO | ||||||||||
| ILLINOIS | ||||||||||
| INDIANA | ||||||||||
| IOWA | x | https://iid.iowa.gov/documents/individual-and-small-group-coverage-impacted-by-covid-19 | ||||||||
| KANSAS | ||||||||||
| KENTUCKY | x | https://pharmacy.ky.gov/Documents/Executive%20Order%202020-220.pdf | ||||||||
| LOUISIANA | x | https://info.groupbenefits.org/docs/OGBforms/News/2020/COVID19healthplans3162020.pdf | x | https://www.ldi.la.gov/docs/default-source/documents/legaldocs/rules/rule40-cur-moratoriumonpolicy.pdf?sfvrsn=de244f52_6 | ||||||
| MAINE | x | https://www.maine.gov/pfr/insurance/consumer/consumer_guides/pdf/consumer_%20guide_to_insurance_provisions_and_resources_in_maine_during_covid-19.pdf | x | https://www.maine.gov/tools/whatsnew/index.php?topic=DHS+Press+Releases&id=2227379&v=article | x | https://www.maine.gov/pfr/insurance/consumer/consumer_guides/pdf/consumer_%20guide_to_insurance_provisions_and_resources_in_maine_during_covid-19.pdf | ||||
| MARYLAND | x | https://governor.maryland.gov/2020/03/06/coronavirus-update-governor-hogan-announces-new-directive-requiring-state-insurers-to-waive-costs-for-testing-provides-additional-details-on-confirmed-cases/ | ||||||||
| MASSACHUSETTS | x | https://www.mass.gov/doc/bulletin-2020-02-addressing-covid-19-coronavirus-testing-and-treatment-issued-362020/download | x | https://www.mass.gov/doc/bulletin-2020-02-addressing-covid-19-coronavirus-testing-and-treatment-issued-362020/download | x | https://www.mass.gov/files/documents/2020/03/13/pharmacy-facts-141_0.pdf | ||||
| MICHIGAN | ||||||||||
| MINNESOTA | x | https://www.mnsure.org/shop-compare/about-plans/covid-19/index.jsp | ||||||||
| MISSISSIPPI | x | https://www.mid.ms.gov/legal/bulletins/20203bul.pdf | ||||||||
| MISSOURI | ||||||||||
| MONTANA | ||||||||||
| NEBRASKA | ||||||||||
| NEVADA | x | https://www.mid.ms.gov/legal/bulletins/20203bul.pdf | ||||||||
| NEW HAMPSHIRE | x | https://www.nh.gov/insurance/consumers/health-insurance-coronavirus-faq.htm | ||||||||
| NEW JERSEY | ||||||||||
| NEW MEXICO | x | https://www.osi.state.nm.us/wp-content/uploads/2020/03/Governor-Press-Release.pdf | x | https://www.osi.state.nm.us/wp-content/uploads/2020/03/Governor-Press-Release.pdf | ||||||
| NEW YORK | x | https://www.governor.ny.gov/news/no-20213-continuing-temporary-suspension-and-modification-laws-relating-disaster-emergency | ||||||||
| NORTH CAROLINA | x | https://www.ncdoi.gov/news/press-releases/2020/03/27/nc-insurance-commissioner-orders-deferral-premium-payments-help | ||||||||
| NORTH DAKOTA | ||||||||||
| OHIO | x | https://iop-odi-content.s3.amazonaws.com/static/Legal/Bulletins/Documents/2020-07.pdf | x | https://insurance.ohio.gov/static/Legal/Bulletins/Documents/2020-02_COVID-19.pdf | ||||||
| OKLAHOMA | x | https://www.oid.ok.gov/lh-bulletin-no-2020-02-amended/ | x | https://www.oid.ok.gov/lh-bulletin-no-2020-02-amended/ | ||||||
| OREGON | x | https://dfr.oregon.gov/news/2020/Pages/20200325-grace-period-insurance-deadlines.aspx | ||||||||
| PENNSYLVANIA | ||||||||||
| *PUERTO RICO | x | http://ocs.gobierno.pr/enocspr/files/Cartas%20Normativas%202020/CN-202-268-D_eng.pdf | x | http://ocs.gobierno.pr/enocspr/files/Cartas%20Normativas%202020/CN-202-268-D_eng.pdf | ||||||
| RHODE ISLAND | x | https://www.ri.gov/press/view/37915 | ||||||||
| SOUTH CAROLINA | ||||||||||
| SOUTH DAKOTA | ||||||||||
| TENNESSEE | x | https://www.tn.gov/content/dam/tn/commerce/documents/insurance/bulletins/030920-Tennessee-Bulletin_20-02.pdf | ||||||||
| TEXAS | x | https://www.tdi.texas.gov/rules/2020/documents/20206305.pdf | x | https://www.tdi.texas.gov/rules/2020/documents/20206305.pdf | ||||||
| UTAH | ||||||||||
| VERMONT | ||||||||||
| VIRGINIA | ||||||||||
| WASHINGTON | x | https://www.insurance.wa.gov/sites/default/files/documents/emergency-order-20-02_3.pdf | x | https://www.insurance.wa.gov/sites/default/files/documents/emergency-order-number-20-01.pdf | x | https://www.insurance.wa.gov/sites/default/files/documents/emergency-order-20-02_3.pdf | ||||
| WEST VIRGINIA | x | https://www.wvinsurance.gov/Portals/0/pdf/20-05_Prescription_Refill_Bulletin.pdf?ver=2020-03-14-144759-590 | x | https://www.wvinsurance.gov/Portals/0/pdf/pressrelease/20-07%20COVID-19%20Regulatory%20Guidance.pdf?ver=2020-03-26-195235-360 | x | https://www.wvinsurance.gov/Portals/0/pdf/20-05_Prescription_Refill_Bulletin.pdf?ver=2020-03-14-144759-590 | ||||
| WISCONSIN | x | https://oci.wi.gov/Pages/Regulation/Bulletin20200306COVID-19.aspx | ||||||||
| WYOMING | ||||||||||
| GUAM |