Women’s Health and Cancer Rights Act
The Federal law
The Women’s Health and Cancer Rights Act (WHCRA) helps protect many women with breast cancer who choose to have their breasts rebuilt (reconstructed) after a mastectomy. This federal law requires most group insurance plans that cover mastectomies to also cover breast reconstruction. It was signed into law on October 21, 1998. The United States Departments of Labor and Health and Human Services oversee this law.
- Applies to group health plans for plan years starting on or after October 1, 1998
- Applies to group health plans, health insurance companies, and HMOs, as long as the plan covers medical and surgical costs for mastectomy
Under the WHCRA, mastectomy benefits must cover:
- Reconstruction of the breast that was removed by mastectomy
- Surgery and reconstruction of the other breast to make the breasts look symmetrical or balanced after mastectomy
- Any external breast prostheses (breast forms that fit into your bra) that are needed before or during the reconstruction
- Any physical complications at all stages of mastectomy, including lymphedema
Mastectomy benefits may have a yearly deductible and may require that you pay co-insurance. Co-insurance is when health costs are insured for less than the full amount and the patient must pay the difference.
For instance, the company may cover 80% of your expenses after you pay the deductible, leaving you to pay the other 20%. This 20% is also called a co-payment or co-pay. But any required deductible and co-insurance must be like those the plan uses for other conditions it covers. So, if a plan pays 80% for hospital and surgery fees for an appendectomy, but only 70% of hospital and surgery fees for breast reconstruction, that would violate the WHCRA.
Questions and answers about the WHCRA
Does the WHCRA allow insurers to take people off their plans so that they don’t have to pay breast reconstruction benefits?
No. The WHCRA does not allow insurance plans and insurance companies to kick people out of the plan or keep them from enrolling or renewing their coverage under the plan to avoid WHCRA requirements.
Does the WHCRA let insurance plans give doctors incentives to discourage women from having breast reconstruction after mastectomy?
No. The WHCRA also does not allow insurance plans and insurance issuers to penalize doctors or lead them to provide care in a way that does not support the WHCRA. Nor does it allow insurance plans to reward doctors who do not encourage their patients to look into breast reconstruction.
Does my insurance provider have to tell me that I’m covered for breast reconstruction under the WHRCA?
Yes. The law also requires that insurance providers notify you of this coverage when you enroll in their plan, and every year after that.
What if my state has laws that require insurers to cover breast reconstruction?
Several states have their own laws requiring health plans that cover mastectomies to provide coverage for reconstructive surgery after a mastectomy. These state laws only apply to those health plans purchased by an employer from a commercial insurance company. If an employer is self-insured, state laws do not apply but federal laws do. Federal laws (like the WHCRA) are enforced by the US Department of Labor.
A self-insured (or self-funded) plan is one in which the employer, rather than a commercial insurance company, pays for the insured person’s health expenses. Some employers that self-insure will hire a commercial insurance company to write the checks and track the paperwork, even though the money for the payments still comes from the employer. So it can be hard to tell whether you are in a self-insured or a commercially insured plan unless you ask.
If you are unsure of your plan’s status, ask your employer’s benefits manager. You can contact your state’s insurance department to find out if your state provides extra protection that will apply to your coverage if you are not in a self-insured plan. The WHCRA applies to self-insured plans that aren’t covered by state law and sets a minimum standard to be sure this service is available for all women in every state. This includes states with weaker or no laws covering breast reconstruction.
I have been diagnosed with breast cancer and plan to have a mastectomy. How will the WHCRA affect my benefits?
Under the Act, group health plans, insurance companies, and HMOs that offer mastectomy coverage must also provide coverage for reconstructive surgery after mastectomy. This coverage includes reconstruction of the breast removed by mastectomy, reconstruction of the other breast to give a more balanced look, breast prostheses, and treatment of physical complications at all stages of the mastectomy, including lymphedema (swelling in the arm that sometimes happens after breast cancer treatment).
This law sets a federal floor (minimum requirement) so that women can have breast reconstruction after mastectomy, even if they live in states that do not make insurance companies provide this coverage.
Does the WHCRA require all group plans, insurance companies, and HMOs to provide reconstructive surgery benefits?
In most cases, yes, as long as the insurance plan also covers medical and surgical benefits for mastectomies. But certain church plans and government plans may not be required to pay for reconstructive surgery. If you are insured under a health plan sponsored by a church or local government plan, check with your plan administrator about it.
Under the WHCRA, can insurance providers impose deductibles or co-insurance requirements for reconstructive surgery in connection with a mastectomy?
Yes. But the deductibles and co-insurance must be like those that are used for other benefits under the plan or coverage. The company can’t have you paying a higher deductible or co-pay for breast rebuilding than you would pay for other types of surgery.
My state requires the coverage for breast reconstruction that’s required by the WHCRA and also requires minimum hospital stays for my mastectomy. If I have a mastectomy and breast reconstruction, am I also entitled to the minimum hospital stay?
It depends. If you have coverage through your employer and your employer is insured, you would be entitled to the minimum hospital stay required by the state law. If you have coverage through your employer but your coverage is not provided by an insurance company or HMO (that is, your employer “self-insures” your coverage), then state law does not apply. In that case, only the federal WHCRA applies and it does not require minimum hospital stays. To find out if your group health plan is insured or self-insured (self-funded), contact your plan administrator.
If you have coverage under a private health insurance policy (not through your employer), check with your State Insurance Commissioner’s office to learn if state law applies.
Are health plans required to give me notice of the WHCRA benefits?
Yes. Both health plans and health insurance issuers are required to tell you about WHCRA benefits. They must do this when you enroll and every year after that. The annual notice may be sent by itself or it may be included in almost any written communication by the plan or insurer, such as newsletters, annual reports, policy renewal letters, enrollment notices, and others. Enrollment notices may even be a phone number or Web address from which to get more information about coverage.
Does the WHCRA affect the amount that my health plan will pay my doctors?
No. The WHCRA does not keep a plan or health insurance issuer from bargaining about amounts and types of payment with doctors. But the law does forbid insurance plans and issuers from penalizing doctors or providing incentives that would cause a doctor to give care that is not consistent with WHCRA.
Did the 2010 passage of the Affordable Care Act (ACA) affect WHCRA?
No. The WHCRA was not changed by the ACA and there are no provisions or regulations that affect it. Health insurance plans that offer mastectomy must continue to offer breast reconstruction.
Do the WHCRA requirements apply to Medicare or Medicaid?
No. The law does not apply to Medicare and Medicaid.
Still, Medicare covers breast reconstruction if you had a mastectomy because of breast cancer. Medicaid coverage varies in each state, so you will have to get this information for your state. (See the section called “To learn more” for contact information.)
Where can I get more information about my rights under the WHCRA?
If you have more questions or concerns, you can contact:
- The US Department of Labor, which has the WHCRA information on its Web site at www.dol.gov/ebsa/Publications/whcra.html, or you can call their toll-free number at 1-866-487-2365
- Your health plan administrator (a number should be listed on your insurance card)
- Your State Insurance Commissioner’s office [The number should be listed in your local phone book in the state government section, or you can find it at the National Association of Insurance Commissioners online at www.naic.org/state_web_map.htm. If you can’t find the number elsewhere, call 1-866-470-NAIC (1-800-470-6242).]
You may also want to check the “National organizations and Web sites” section for other sources of help.
To learn more
More information from your American Cancer Society
We have selected some related information that may also be helpful to you. These materials may be viewed on our Web site, www.cancer.org, or ordered from our toll-free number, 1-800-227-2345.
Breast cancer and surgery and treatment effects
Breast Cancer (also in Spanish)
Breast Reconstruction After Mastectomy (also in Spanish)
Reach To Recovery (also in Spanish)
Exercises After Breast Surgery (also in Spanish)
Lymphedema: What Every Woman With Breast Cancer Should Know (also in Spanish)
Health insurance and financial issues
Health Insurance and Financial Assistance for the Cancer Patient (also in Spanish)
In Treatment: Financial Guidance for Cancer Survivors and Their Families (also in Spanish)
Your American Cancer Society also has books that you might find helpful. Call us at 1-800-227-2345 or visit our bookstore online to find out about costs or to place an order.
National organizations and Web sites*
Along with the American Cancer Society, other sources of information and support include:
Cancer Legal Resource Center (CLRC)
Toll-free number: 1-866-843-2572 (1-866-THE-CLRC) (leave a number for a call back)
Web site: www.disabilityrightslegalcenter.org (choose “About DLRC” to get to the CLRC page)
Offers information on disabilities and your legal rights with a special focus on cancer
Web site: www.healthcare.gov
National Association of Insurance Commissioners (NAIC)
Toll-free number: 1-866-470-6242 (1-866-470-NAIC)
Web site: www.naic.org
For state insurance department phone numbers, visit: www.naic.org/state_web_map.htm
To contact your state insurance commission, which regulates insurance in your state
US Department of Health and Human Services Center for Medicare & Medicaid Services
Toll-free number: 1-877-267-2323
Web site: www.cms.hhs.gov
Information on what’s covered by Medicare and Medicaid
US Department of Labor, Employee Benefits Security Administration
Toll-free number: 1-866-444-3272 (1-866-444-EBSA)
Web site: www.dol.gov/ebsa/
Has information on employee benefits and health insurance requirements
*Inclusion on this list does not imply endorsement by the American Cancer Society.
No matter who you are, we can help. Contact us anytime, day or night, for information and support. Call us at 1-800-227-2345 or visit www.cancer.org.
US Department of Health and Human Services. Centers for Medicare and Medicaid Services. The Women’s Health & Cancer Rights Act. Accessed at http://www.cms.hhs.gov/HealthInsReformforConsume/06_TheWomen’sHealthandCancerRightsAct.asp July 2, 2008. Content no longer available.
US Department of Health and Human Services, Centers for Medicare and Medicaid Services. Health Insurance Reform for Consumers. Accessed at http://www.cms.gov/Regulations-and-Guidance/Health-Insurance-Reform/HealthInsReformforConsume/index.html?redirect=/HealthInsReformforConsume/ on September 19, 2012.
US Department of Health and Human Services, Centers for Medicare and Medicaid Services. Your Medicare Benefits. June 2012. Accessed at www.medicare.gov/Pubs/pdf/10116.pdf on September 19, 2012.
US Department of Health and Human Services, Centers for Medicare and Medicaid Services. The Women’s Health and Cancer Rights Act (WHCRA) of 1998—Helpful Tips As of 06/27/2008. Accessed at www.cms.hhs.gov/HealthInsReformforConsume/Downloads/WHCRA_Helpful_Tips.pdf on September 11, 2012.
US Department of Labor, Employee Benefits Security Administration. Fact Sheet: Women’s Health and Cancer Rights Act. Accessed at www.dol.gov/ebsa/newsroom/fswhcra.html on September 11, 2012.
US Department of Labor, Employee Benefits Security Administration. Your Rights After A Mastectomy: Women’s Health & Cancer Rights Act of 1998. Accessed at www.dol.gov/ebsa/Publications/whcra.html on September 11, 2012.
Last Revised: 09/18/2012