Find It Early Act

Summary#

This bill, the Find It Early Act, requires health plans and federal programs to cover extra breast screening and diagnostic imaging with no cost-sharing for people at higher risk of breast cancer. It applies to private group and individual plans (including grandfathered plans), ERISA plans, Medicare (including Medicare Advantage), Medicaid, TRICARE, and Department of Veterans Affairs care. Covered services include 2D and 3D mammograms, breast ultrasound, breast MRI, molecular breast imaging, contrast-enhanced mammography, and other technologies as allowed by applicable guidelines. The bill ties who is eligible and how often imaging is allowed to the most recent American College of Radiology criteria and National Comprehensive Cancer Network (NCCN) guidelines. The effective date for most changes is January 1, 2026; some Medicaid changes allow a state implementation delay if state law is required.

What it means for you#

• If you are identified as at increased risk for breast cancer or have heterogeneously or extremely dense breasts, you can get covered breast imaging without copays or other cost-sharing when recommended by the named guidelines.
• A health care provider may also determine you need additional screening because of factors such as age, race, ethnicity, or personal or family medical history; those services would also be covered without cost-sharing when supported by the cited guidelines.
• The rule applies across many types of coverage: employer plans, individual market plans, Medicare, Medicaid, TRICARE, and VA health care as described in the bill.

Expenses#

No publicly available information.

Proponents' View#

The bill’s provisions show supporters want to remove out-of-pocket costs for additional breast imaging for people at higher risk or with dense breast tissue and to align coverage and frequency with ACR and NCCN guidance across private and federal programs.

Opponents' View#

No publicly available information.