Creating a bypass mechanism for health insurer step therapy protocols when medically necessary.

This bill creates a process for patients and doctors to bypass "step therapy" requirements from health insurers when a different prescription drug is medically necessary. Step therapy protocols typically require patients to try lower-cost drugs before more expensive ones. The bill outlines specific conditions under which an exception must be granted, such as when the required drug is ineffective or harmful, or for the treatment of serious mental illness or advanced cancer.

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