KY Insurance Advisory Opinion 2021-01
AO 2021-0001 COLORECTAL CANCER SCREENINGS
PUBLIC PROTECTION CABINET
Andy Beshear
Department of Insurance
Kerry B. Harvey
Governor
P.O. Box 517
Secretary
Frankfort, Kentucky 40602-0517
Ray A. Perry
1-800-595-6053
Sharon P. Clark
Deputy Secretary
http://insurance.ky.gov
Commissioner
ppc.ky.gov
An Equal Opportunity Employer M/F/D
COMMONWEALTH OF KENTUCKY
DEPARTMENT OF INSURANCE
FRANKFORT, KENTUCKY
ADVISORY OPINION
2021-0001
The following Advisory Opinion is to advise the reader of the current position of the Kentucky
Department of Insurance (the “Department”) on the specified issue. The Advisory Opinion is
not legally binding on either the Department or the reader.
TO:
ALL HEALTH INSURERS AUTHORIZED TO OFFER HEALTH BENEFIT
PLANS IN THE COMMONWEALTH OF KENTUCKY
FROM:
SHARON P. CLARK, COMMISSIONER
KENTUCKY DEPARTMENT OF INSURANCE
RE:
COLORECTAL CANCER SCREENINGS
DATE:
May 27, 2021
* * * * * * *
This Advisory Opinion replaces Advisory Opinion 2015-03.
The purpose of this Advisory Opinion is to clarify the use of “complete colorectal cancer
screening” as that term is used in KRS 304.17A-257. Senate Bill 30 (SB 30) from the 2019
Kentucky Legislative Session amended KRS 304.17A-257 to require insurers to cover, without
any patient cost, all colorectal cancer examinations and laboratory tests specified in the most recent
version of the American Cancer Society guidelines for complete colorectal cancer screening of
asymptomatic individuals. Covered individuals shall be forty-five (45) years of age or older or
less than forty-five (45) years of age and at high risk for colorectal cancer according to the most
recent version of the American Cancer Society guidelines for complete colorectal cancer
screening.