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Missouri law requires:

  • Direct access to a network obstetrician, gynecologist or OB/GYN for obstetrical or gynecological diagnosis, treatment or referral;
  • Coverage for the diagnosis, treatment and appropriate management of osteoporosis, which may include bone mass measurement when medically indicated. Osteoporosis screenings with bone density scans are covered at 100% if the provider bills it as a preventive service. Services not billed as preventive are covered the same as any other test and/or office visit; and
  • Coverage for contraceptives either at no charge or at the same level of deductible, coinsurance or copayment as any other drug. Contraceptives are defined as prescription drugs and devices approved by the FDA for use as a contraceptive. Coverage is not required for drugs and devices that are intended to induce abortion.

Women's Health and Cancer Rights Notice
As required by the Women's Health and Cancer Rights Act of 1998, MCHCP medical plans provide benefits for mastectomy-related services including all stages of reconstruction and surgery to achieve symmetry between the breasts, prostheses, and complications resulting from a mastectomy, including lymphedema. Call UMR for more information.


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