A. All individual and group health insurance policies providing coverage on an expense incurred basis, and all individual and group service or indemnity type contracts issued by a nonprofit corporation which provide coverage for a female forty-five (45) years of age or older in this state, except for policies that provide coverage for specified disease or other limited benefit coverage, shall include the coverage specified by this section for a bone density test to qualified individuals covered by the policy when such test is requested by a primary care or referral physician. The test shall be subject to the policy deductible, copayments and coinsurance limits of the plan; provided, however, no policy or contract shall be required to reimburse more than One Hundred Fifty Dollars ($150.00) for any such test. B. For purposes of this section: 1. "Qualified individual" means an individual: a. with an estrogen hormone deficiency, b. with: (1) vertebral abnormalities, (2) primary hyperparathyroidism, or (3) a history of fragility bone fractures, c. who is receiving long-term glucocorticoid, or d. who is currently under treatment for osteoporosis; and 2. "Bone density test" means a medically accepted measurement of bone mass used to detect low bone mass and to determine a qualified individual's risk for osteoporosis.
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