Women's Health and Cancer Rights Act

The U.S. Women's Health and Cancer Rights Act (WHCRA), signed into law on October 21, 1998, contains protections for patients who elect breast reconstruction in connection with a mastectomy. For plan participants and beneficiaries receiving benefits in connection with a mastectomy, plans offering coverage for a mastectomy must also cover reconstructive surgery and other benefits related to a mastectomy.

Generally, group health plans, as well as their insurance companies and Health Maintenance Organization's (HMOs), that provide coverage for medical and surgical benefits with respect to a mastectomy must comply with WHCRA. However, if your coverage is provided by a "church plan" or "governmental plan" it may not be subject to this law.

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