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S2890A
2026 -- S 2890 SUBSTITUTE A
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LC005178/SUB A
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STATE OF RHODE ISLAND
IN GENERAL ASSEMBLY
JANUARY SESSION, A.D. 2026
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A N A C T
RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES
Introduced By:
Senators Urso, Murray, Ujifusa, Vargas, Lauria, Valverde, Appollonio,
and Rogers
Date Introduced:
March 04, 2026
Referred To:
Senate Health & Human Services
It is enacted by the General Assembly as follows:
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SECTION 1. Chapter 27-18 of the General Laws entitled "Accident and Sickness Insurance
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Policies" is hereby amended by adding thereto the following section:
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27-18-96. Coverage for hormonal and non-hormonal therapy to treat the symptoms
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of peri-menopause and menopause.
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(a) Every individual or group health insurance contract, plan, or policy delivered, issued
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for delivery, or renewed in this state on or after January 1, 2027, shall provide coverage for
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medically necessary hormone therapy treatment to treat the symptoms of peri-menopause and
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menopause.
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(b) Coverage for hormone replacement therapy to treat the symptoms of peri-menopause
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and menopause under this section shall mean at least one federal Food and Drug Administration-
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approved hormonal and non-hormonal treatment, and at least one hormonal replacement therapy
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option in each of the following modalities: oral, transdermal, topical, and vaginal.
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SECTION 2. Chapter 27-19 of the General Laws entitled "Nonprofit Hospital Service
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Corporations" is hereby amended by adding thereto the following section:
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27-19-88. Coverage for hormonal and non-hormonal therapy to treat the symptoms
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of peri-menopause and menopause.
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(a) Every individual or group health insurance contract, plan, or policy delivered, issued
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for delivery, or renewed in this state on or after January 1, 2027, shall provide coverage for
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medically necessary hormone therapy treatment to treat the symptoms of peri-menopause and
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menopause.
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(b) Coverage for hormone replacement therapy to treat the symptoms of peri-menopause
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and menopause under this section shall mean at least one federal Food and Drug Administration-
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approved hormonal and non-hormonal treatment, and at least one hormonal replacement therapy
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option in each of the following modalities: oral, transdermal, topical, and vaginal.
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SECTION 3. Chapter 27-20 of the General Laws entitled "Nonprofit Medical Service
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Corporations" is hereby amended by adding thereto the following section:
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27-20-84. Coverage for hormonal and non-hormonal therapy to treat the symptoms
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of peri-menopause and menopause.
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(a) Every individual or group health insurance contract, plan, or policy delivered, issued
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for delivery, or renewed in this state on or after January 1, 2027, shall provide coverage for
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medically necessary hormone therapy treatment to treat the symptoms of peri-menopause and
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menopause.
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(b) Coverage for hormone replacement therapy to treat the symptoms of peri-menopause
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and menopause under this section shall mean at least one federal Food and Drug Administration-
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approved hormonal and non-hormonal treatment, and at least one hormonal replacement therapy
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option in each of the following modalities: oral, transdermal, topical, and vaginal.
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SECTION 4. Chapter 27-41 of the General Laws entitled "Health Maintenance
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Organizations" is hereby amended by adding thereto the following section:
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27-41-101. Coverage for hormonal and non-hormonal therapy to treat the symptoms
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of peri-menopause and menopause.
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(a) Every individual or group health insurance contract, plan, or policy delivered, issued
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for delivery, or renewed in this state on or after January 1, 2027, shall provide coverage for
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medically necessary hormone therapy treatment to treat the symptoms of peri-menopause and
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menopause.
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(b) Every individual or group health insurance contract, plan, or policy delivered, issued
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for delivery, or renewed in this state on or after January 1, 2027, shall provide coverage for
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medically necessary hormone therapy treatment to treat the symptoms of peri-menopause and
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menopause.
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SECTION 5. This act shall take effect upon passage.
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LC005178/SUB A
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LC005178/SUB A - Page 2 of 2
EXPLANATION
BY THE LEGISLATIVE COUNCIL
OF
A N A C T
RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES
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This act would mandate health insurance coverage for medically necessary hormonal and
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non-hormonal therapy to treat symptoms of peri-menopause and menopause, if the therapy is
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recommended by a qualified healthcare provider who is licensed, accredited, or certified under
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Rhode Island law and the therapy has been proven safe and effective. This coverage would be
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mandated for all insurance policies issued on or after January 1, 2027.
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This act would take effect upon passage.
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LC005178/SUB A
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LC005178/SUB A - Page 3 of 2