Clinical Trials: State Laws About Insurance Coverage

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How to find out more about your health plan’s clinical trial coverage

Living in a state that does not require clinical trials coverage doesn’t mean your insurance provider will not offer coverage. It’s always a good idea to contact your insurer first to find out what they will cover before you get involved in a clinical trial. If you disagree with their decision, you can submit an appeal. (For more on this, see Health Insurance and Financial Assistance for the Cancer Patient.)

If you are thinking about entering a clinical trial and your insurance doesn’t want to cover it, contact your state insurance department to learn the details of any laws specific to your state. State insurance departments can give you the most up-to-date information about what your insurance company must pay for. You can find your state’s insurance department contact information in the blue pages of your local phone book, or visit the website of the National Association of Insurance Commissioners at

If you have more questions, contact your American Cancer Society’s Clinical Trials Matching Service at 1-800-303-5691.To learn more, please read our document called The Health Care Law: How It Can Help People With Cancer and Their Families. You can also get up-to-date information online from the US Department of Health & Human Services at

Last Medical Review: 01/22/2014
Last Revised: 02/05/2014