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State Laws

Learn about state laws that affect access and the affordability of health services needed by members of the hereditary cancer community. Sign up for our newsletter to get the latest updates.
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At the federal level, the Affordable Care Act requires coverage of certain cancer screenings at no cost to the patient. These screenings are appropriate for people at average risk of cancer. Additional cancer screenings are typically recommended for people with an inherited genetic mutation that increases their cancer risk. Many states have laws requiring coverage of these “supplemental” screenings and other health services for individuals at increased risk of cancer.

Click below to learn about your state’s breast screening law(s). In the coming months, we will add information about laws for other high-risk cancer screenings.

Glossary of Terms

Alabama

Open

Breast Screening

This state follows the federal breast cancer screening law:

  • Coverage of annual breast cancer (including tomosynthesis/3D ) with no copay, deductible, or coinsurance starting at age 40
    • before age 40 and screening with other technologies such as or are not covered by federal law and  applies
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Alaska

Open

Effective January 1, 2025

  • Coverage of and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Arizona

Open

Breast Screening

  • Follows National Comprehensive Cancer Network (NCCN) guidelines
  • Coverage of and  
    • Copay, deductible, and coinsurance apply to services beyond the
  • Includes most individual and group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Arkansas

Open

Breast Screening

  • Coverage of  and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

California

Open

Breast Screening

This state follows the federal breast cancer screening law:

  • Coverage of annual breast cancer (including tomosynthesis/3D ) with no copay, deductible, or coinsurance starting at age 40
    • before age 40 and screening with other technologies such as or are not covered by federal law and  applies
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Colorado

Open

Breast Screening

  • Follows National Comprehensive Cancer Network (NCCN) or guidelines 
  • Coverage of  and with no copay, deductible, or coinsurance
  • Includes most individual, small group and large employer policies
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Connecticut

Open

Breast Screening

  • Coverage of and with no copays, deductible, or coinsurance
  • Includes most individual and group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Delaware

Open

Breast Screening

  • Coverage of and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

District of Columbia

Open

Breast Screening

  • Coverage of  
    • Copay, deductible, and coinsurance apply to services beyond the
  • Includes most individual and group health plans, and Medicaid
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Florida

Open

Breast Screening

This state follows the federal breast cancer screening law:

  • Coverage of annual breast cancer (including tomosynthesis/3D ) with no copay, deductible, or coinsurance starting at age 40
    • before age 40 and screening with other technologies such as or are not covered by federal law and  applies
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Georgia

Open

Breast Screening

  • Follows current medical professional organization guidelines such as the National Comprehensive Cancer Network (NCCN)
    • Coverage of  and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Hawaii

Open

Breast Screening

  • Coverage of for women of any age with a history of breast cancer or whose mother or sister has/had breast cancer
    • Copay, deductible, and coinsurance apply to services beyond the
  • Includes most individual and group health plans
  • Women only 

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Idaho

Open

Breast Screening

This state follows the federal breast cancer screening law:

  • Coverage of annual breast cancer (including tomosynthesis/3D ) with no copay, deductible, or coinsurance starting at age 40
    • before age 40 and screening with other technologies such as or are not covered by federal law and  applies
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Illinois

Open

Breast Screening

  • Coverage of  and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Women only

Effective January 1, 2026 - law becomes gender-neutral and coverage will extend to Medicaid

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Indiana

Open

Breast Screening

  • Coverage of ONE breast per year for women at increased risk of breast cancer
    • Coverage of , if determined medically necessary by a physician
    • Copay, deductible, and coinsurance apply to services beyond the
  • Includes most individual and group health plans 
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Iowa

Open

Breast Screening

Effective January 1, 2025

  • Coverage of  and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Kansas

Open

Breast Screening

This state follows the federal breast cancer screening law:

  • Coverage of annual breast cancer (including tomosynthesis/3D ) with no copay, deductible, or coinsurance starting at age 40
    • before age 40 and screening with other technologies such as or are not covered by federal law and  applies
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Kentucky

Open

Effective January 1, 2025

  • Follows National Comprehensive Cancer Network (NCCN) guidelines 
    • Coverage of  and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans, and Medicaid
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Louisiana

Open

Breast Screening

  • Follows National Comprehensive Cancer Network (NCCN) or American Society of Breast Surgeons guidelines 
    • Copay (not coinsurance or deductible) applies to services beyond the
  • Includes most individual and group health plans
  • Women only 

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Maine

Open

Breast Screening

  • Coverage of  and with no copay, deductible, or coinsurance 
  • Includes most group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Maryland

Open

Breast Screening

Effective January 1, 2024

  • Coverage of  and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Massachusetts

Open

Effective January 1, 2025

  • Coverage of and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Michigan

Open

Breast Screening

This state follows the federal breast cancer screening law:

  • Coverage of annual breast cancer (including tomosynthesis/3D ) with no copay, deductible, or coinsurance starting at age 40
    • before age 40 and screening with other technologies such as or are not covered by federal law and  applies
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Minnesota

Open

Breast Screening

  • Coverage of (including tomosynthesis/3D) with no copay, deductible, or coinsurance for individuals at increased risk for breast cancer, defined as: 
    • a family history with one or more first- or second-degree relatives with breast cancer;
    • testing positive for or mutations;
    • previous diagnosis of breast cancer
  • Coverage of with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Mississippi

Open

Breast Screening

Effective July 1, 2024

  • Coverage of  and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Missouri

Open

Breast Screening

Effective January 1, 2024

  • Coverage of  and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Montana

Open

Breast Screening

  • Coverage of  and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Nebraska

Open

Breast Screening

  • Follows National Comprehensive Cancer Network (NCCN) guidelines version 1.2022
    • ONE (additional if necessary), ONE digital breast tomosynthesis/3D , ONE and/or ONE breast each year
    • applies to
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Nevada

Open

Breast Screening

Effective January 1, 2024

  • Coverage of and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

New Hampshire

Open

Breast Screening

Effective January 1, 2025

  • Coverage of and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

New Jersey

Open

Breast Screening

  • Coverage of mammograms; , , or additional testing as needed after a baseline examination
    • applies to services beyond the
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

New Mexico

Open

Breast Screening

  • Coverage of and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

New York

Open

Breast Screening

  • Coverage of and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

North Carolina

Open

Breast Screening

This state follows the federal breast cancer screening law:

  • Coverage of annual breast cancer (including tomosynthesis/3D ) with no copay, deductible, or coinsurance starting at age 40
    • before age 40 and screening with other technologies such as or are not covered by federal law and  applies
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

North Dakota

Open

Breast Screening

This state follows the federal breast cancer screening law:

  • Coverage of annual breast cancer (including tomosynthesis/3D ) with no copay, deductible, or coinsurance starting at age 40
    • before age 40 and screening with other technologies such as or are not covered by federal law and  applies
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Ohio

Open

Breast Screening

  • Follows guidelines
    • Coverage of  with no copay, deductible, or coinsurance
    • applies to  
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Oklahoma

Open

Breast Screening

  • Coverage of and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans, including the State and Education Employees Group Health Insurance Plan
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Oregon

Open

Breast Screenings

Effective January 1, 2024

  • Coverage of and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Pennsylvania

Open

Breast Screening

Effective January 1, 2025

  • Coverage of ONE per year with no copay, deductible, or coinsurance
  • applies to
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Rhode Island

Open

Breast Screening

Effective January 1, 2024

  • Coverage of TWO per year for women at increased risk of breast cancer
    • applies to services beyond the
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

South Carolina

Open

Breast Screening

This state follows the federal breast cancer screening law:

  • Coverage of annual breast cancer (including tomosynthesis/3D ) with no copay, deductible, or coinsurance starting at age 40
    • before age 40 and screening with other technologies such as or are not covered by federal law and  applies
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

South Dakota

Open

Breast Screening

This state follows the federal breast cancer screening law:

  • Coverage of annual breast cancer (including tomosynthesis/3D ) with no copay, deductible, or coinsurance starting at age 40
    • before age 40 and screening with other technologies such as or are not covered by federal law and  applies
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Tennessee

Open

Breast Screening

  • Coverage of  and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Texas

Open

Breast Screening

This state follows the federal breast cancer screening law:

  • Coverage of annual breast cancer (including tomosynthesis/3D ) with no copay, deductible, or coinsurance starting at age 40
    • before age 40 and screening with other technologies such as or are not covered by federal law and  applies
  • Includes most individual and group health plans
  • Women only
  • Medicaid coverage effective April 01, 2025

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Utah

Open

Breast Screening

This state follows the federal breast cancer screening law:

  • Coverage of annual breast cancer (including tomosynthesis/3D ) with no copay, deductible, or coinsurance starting at age 40
    • before age 40 and screening with other technologies such as or are not covered by federal law and  applies
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Vermont

Open

Breast Screening

  • Currently follows the

Effective January 1, 2026

  • Coverage of and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Virginia

Open

Breast Screening

This state follows the federal breast cancer screening law:

  • Coverage of annual breast cancer (including tomosynthesis/3D ) with no copay, deductible, or coinsurance starting at age 40
    • before age 40 and screening with other technologies such as or are not covered by federal law and  applies
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Washington

Open

Breast Screening

Effective January 1, 2024

  • Coverage of  and with no copay, deductible, or coinsurance
  • Includes most individual and group health plans
  • Gender-neutral

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

West Virginia

Open

Breast Screening

This state follows the federal breast cancer screening law:

  • Coverage of annual breast cancer (including tomosynthesis/3D ) with no copay, deductible, or coinsurance starting at age 40
    • before age 40 and screening with other technologies such as or are not covered by federal law and  applies
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Wisconsin

Open

Breast Screening

This state follows the federal breast cancer screening law:

  • Coverage of annual breast cancer (including tomosynthesis/3D ) with no copay, deductible, or coinsurance starting at age 40
    • before age 40 and screening with other technologies such as or are not covered by federal law and  applies
  • Includes most individual and group health plans
  • Women only

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Wyoming

Open

Breast Screening

This state follows the federal breast cancer screening law:

  • Coverage of annual breast cancer (including tomosynthesis/3D ) with no copay, deductible, or coinsurance starting at age 40
    • before age 40 and screening with other technologies such as or are not covered by federal law and  applies
  • Includes most individual and group health plans
  • Women only
  • For eligible individuals, the Wyoming Breast and Cervical Cancer Screening Program (WBCCEDP) covers and ultrasounds for high-risk individuals starting at age 18

Don’t have a known genetic mutation but have dense breasts? Visit DenseBreast-info.org for the latest on state and federal laws related to breast density notification and screening.

Note: Coverage with applies to in-network providers and facilities only. Unless explicitly stated, these laws may not apply to Medicaid, Medicare, self-funded, high-deductible, catastrophic, ERISA, federal, or small employer health plans.

Disclaimer: FORCE does its best to reflect information about current laws that benefit the community. The information provided may not be comprehensive and is not a guarantee of coverage. Contact your health plan or state insurance commission for additional information.

Take Action Now

Interested in current legislative efforts?

Visit the Public Policy section of our website for information about state and federal policy initiatives.

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State Laws - Glossary of Terms

Types of Laws:

Federal breast cancer screening law - most group and individual health insurance plans in the U.S. must cover annual breast cancer screening mammograms (including tomosynthesis/3D mammograms) with no copay, deductible, or coinsurance for women, starting at age 40. This coverage applies to in-network providers and facilities only.

  • Mammograms before age 40 and screening with other technologies such as MRI or ultrasound are not covered by federal law; cost-sharing applies unless a state law requires coverage with no out-of-pocket costs.

State laws - apply to specified health plans in the state. Employers typically must abide by the laws in the state where they are based. A health plan does not have to follow laws from other states where employees may reside. For example, if you live in New Jersey but work for a company based in New York, the insurance policy follows New York laws—even for employees who live in nearby states. Check with your employer for more information.

Payment Terms:

Coinsurance - the percentage of a covered healthcare service’s cost that you pay after meeting your deductible.

Copay - a fixed amount of money you pay for certain medical services. The remaining balance is typically covered by the insurance company. 

Cost-sharing - the costs you pay for the services provided, often referred to as your copay, coinsurance, and/or deductible. The health insurance premium is separate from these costs.

Deductible - the amount you must pay for covered healthcare services before insurance begins paying. Note that copays don’t always count toward your deductible.

No cost-sharing - no out-of-pocket costs apply to the health services provided (including copay, coinsurance, and deductible) so they are “free” to the patient.

Types of Tests/Imaging:

Diagnostic imaging - medical tests and/or examinations following a suspicious mammogram or other type of breast exam that requires further imaging to determine if cancer is present

Supplemental/high-risk screening - Breast cancer screening for individuals at increased risk of breast cancer due to a genetic predisposition or other factors, including (but not limited to) MRI, ultrasound, digital breast tomosynthesis/3D mammogram.

Screening Guideline Organizations:

American College of Radiology (ACR) - A medical professional society representing radiologists, radiation oncologists, and related specialties that establishes screening guidelines for cancer and other health conditions.

National Comprehensive Cancer Network (NCCN) - A national alliance that develops evidence-based guidelines to inform cancer prevention and treatment. FORCE shares NCCN guidelines for individuals at increased risk of cancer on our website.