(1) Every health insurance policy that covers hospital, medical or surgical expenses, other than coverage limited to expenses from accidents or specific diseases, shall provide coverage of mammograms as follows:

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(a) Mammograms for the purpose of diagnosis in symptomatic or high-risk individuals at any time upon referral of an individual’s health care provider; and

(b) An annual mammogram for the purpose of early detection for an individual 40 years of age or older, with or without referral from the individual’s health care provider.

(2) An insurance policy described in subsection (1) of this section must not limit coverage of mammograms to the schedule provided in subsection (1) of this section if the individual is determined by the individual’s health care provider to be at high risk for breast cancer. [Formerly 743.727; 2017 c.152 § 4]