§1185b — Title 29 Labor | U.S. Code

§1185b Required coverage for reconstructive surgery following mastectomies

Title 29 › Chapter CHAPTER 18— - EMPLOYEE RETIREMENT INCOME SECURITY PROGRAM › Subchapter SUBCHAPTER I— - PROTECTION OF EMPLOYEE BENEFIT RIGHTS › Subtitle Subtitle B— - Regulatory Provisions › Part part 7— - group health plan requirements › Subpart Subpart B— - Other Requirements › § 1185b

Last updated Apr 6, 2026|Official source

Summary

Group health plans and their insurers that pay for mastectomies must also cover breast reconstruction when a person covered by the plan chooses it. They must pay for rebuilding the breast that was removed at all stages, surgery on the other breast to make them look even, and for prosthetic devices and physical problems from the mastectomy, including lymphedemas. Plans must give written, clearly visible notice about this coverage to people in the plan. The notice must go out in the plan’s next mailing to the person, in the yearly information packet, or by January 1, 1999. Plans cannot refuse or cancel coverage just to avoid these rules, or punish or pay providers less or give incentives that stop providers from following them. Plans may still agree on payment amounts with providers. State laws in effect on October 21, 1998 that require at least this coverage still apply, and these rules do not change section 1144 about group health plans.

Title 29, §1185b

Labor — Source: USLM XML via OLRC

(a)A group health plan, and a health insurance issuer providing health insurance coverage in connection with a group health plan, that provides medical and surgical benefits with respect to a mastectomy shall provide, in a case of a participant or beneficiary who is receiving benefits in connection with a mastectomy and who elects breast reconstruction in connection with such mastectomy, coverage for—

(1)all stages of reconstruction of the breast on which the mastectomy has been performed;

(2)surgery and reconstruction of the other breast to produce a symmetrical appearance; and

(3)prostheses and physical complications of mastectomy, including lymphedemas;

(b)A group health plan, and a health insurance issuer providing health insurance coverage in connection with a group health plan shall provide notice to each participant and beneficiary under such plan regarding the coverage required by this section in accordance with regulations promulgated by the Secretary. Such notice shall be in writing and prominently positioned in any literature or correspondence made available or distributed by the plan or issuer and shall be transmitted—

(1)in the next mailing made by the plan or issuer to the participant or beneficiary;

(2)as part of any yearly informational packet sent to the participant or beneficiary; or

(3)not later than January 1, 1999;

(c)A group health plan, and a health insurance issuer offering group health insurance coverage in connection with a group health plan, may not—

(1)deny to a patient 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; and

(2)penalize or otherwise reduce or limit the reimbursement of an attending provider, or provide incentives (monetary or otherwise) to an attending provider, to induce such provider to provide care to an individual participant or beneficiary in a manner inconsistent with this section.

(d)Nothing in this section shall be construed to prevent a group health plan or a health insurance issuer offering group health insurance coverage from negotiating the level and type of reimbursement with a provider for care provided in accordance with this section.

(e)(1)Nothing in this section shall be construed to preempt any State law in effect on October 21, 1998, with respect to health insurance coverage that requires coverage of at least the coverage of reconstructive breast surgery otherwise required under this section.

(2)Nothing in this section shall be construed to affect or modify the provisions of section 1144 of this title with respect to group health plans.

Notes & Related Subsidiaries

Statutory Notes and Related Subsidiaries

Effective Date

Pub. L. 105–277, div. A, § 101(f) [title IX, § 902(c)], Oct. 21, 1998, 112 Stat. 2681–337, 2681–438, provided that: “(1) In general.—The

Amendments

made by this section [enacting this section] shall apply with respect to plan years beginning on or after the date of enactment of this Act [Oct. 21, 1998]. “(2) Special rule for collective bargaining agreements.—In the case of a group health plan maintained pursuant to 1 or more collective bargaining agreements between employee representatives and 1 or more employers, any plan amendment made pursuant to a collective bargaining agreement relating to the plan which amends the plan solely to conform to any requirement added by this section shall not be treated as a termination of such collective bargaining agreement.”