What states require insurance
coverage of off-label cancer drugs?
What is off-label
use?
Off-label use refers to the use of an approved drug
for any purpose, or in any manner, other than what is described in the drug's
labeling. Off-label use of an approved drug is not the same as expanded access or
special exemption, which are mechanisms allowing patient access to
investigational drugs not yet approved by FDA.
New drugs can be legally marketed in the United States only
after approval by the U.S. Food and Drug Administration (FDA). Approval is the final stage of a multiyear
process of study and testing to establish that the new drug is safe and
effective for the proposed use. (The FDA maintains a searchable database of approved cancer
drugs, complete with labeling information.)
A cancer drug rarely receives approval for cancer treatment
in general. Instead, a drug is approved for use in treating a specific tumor
type, or stage, for which it has been tested in patients. The specific approved
use is called an indication. The indication is described in the drug's
labeling, a printed insert in the drug's packaging. The insert also describes
in detail the chemical composition of the drug, how it works in the body, and
the possible adverse effects of taking it.
However, once the FDA approves a drug, licensed physicians
can prescribe the drug for any purpose they consider medically appropriate. The
FDA -- although responsible for ensuring that a drug is safe and effective for
the specific approved indication -- does not regulate the practice of
medicine.
Off-label uses may include giving an approved drug:
- for a disease other than the disease it is
approved for,
- at a different dose or frequency than specified
in the product's labeling, or
- to treat a child
when the drug is approved to treat adults.
An off-label use of a drug can cease to be off label if the
drug's manufacturer submits a supplemental application and obtains FDA approval
for the new use of the product. FDA encourages, but does not require, drug
makers to do this.
To submit a supplemental application, the drug maker must
conduct studies to show that the product is safe and effective for the proposed
new use. Unless the drug company expects to gain a significant commercial
benefit from expanded approval of a drug already on the market, it may decide
not to invest time and money in such additional studies.
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Why is off-label use of
drugs so common in cancer treatment?
A 1991 study by the U.S. General Accounting Office found that
one-third of all drug administrations to cancer patients were off label and
more than half of cancer patients received at least one drug for an off-label
indication. Frequently the standard of care for a particular type or stage of
cancer involves the off-label use of one or more drugs.
Off-label use of drugs is widespread in cancer treatment for
several reasons.
- Some cancer drugs are found to be effective
against a variety of tumor types.
The mechanism of action of a drug (the way it works in the
body) often suggests that the drug might be effective against tumor types other
than those for which it is approved.
For example, Platinol (cisplatin) works to halt the
uncontrolled growth of cancer cells by interrupting the copying of DNA in
growing cells. Because uncontrolled cell growth is part of most cancers,
cisplatin is often used in the treatment of thyroid and lung cancers although
it is only approved to treat bladder, testicular and ovarian cancers.
Some cancer drugs are approved because they effectively act
on a specific biological target present in a particular type of tumor. Examples
of such targeted drugs include:
- Gleevec
(STI571), which blocks the bcr-abl protein in chronic myelogenous
leukemia,
- Herceptin
(trastuzumab), which blocks the HER 2 protein in breast cancer, and
- Nolvadex (tamoxifen), which blocks the estrogen
receptor in breast cancer.
However, once a drug is on the market further research may
show that it also acts on different biological targets present in other kinds
of cancer. Doctors may then begin to use the drug off label to treat those
other cancers.
- Cancer chemotherapy often involves the use
of multiple drugs.
Multiple-drug treatment regimens have been shown to be
effective in several types of cancer, including lymphoma, leukemia, bladder,
testicular and breast cancer. The regimens might include one or more drugs not
approved specifically for that disease. Also, the FDA generally does not
approve multidrug regimens themselves, in part because such regimens are so
numerous as to make separate approvals impractical. Multidrug regimens change
over time as doctors try different combinations and observe which regimens seem
to produce the greatest benefit for patients.
- Cancer treatment is always evolving.
Researchers continually conduct studies to determine new uses
for already marketed drugs and to find effective combinations of drugs for new
indications. The results of these studies are published in peer-reviewed
medical journals. When a new treatment approach seems to produce better
outcomes for patients, other doctors adopt it and it may become a new standard
of care.
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Can off-label drug use be
harmful?
Use of a drug off label may cause harm when the drug's effect
against a kind of cancer has not been demonstrated and there is no medical
reason to believe the drug might be an effective treatment for that kind of
cancer. All drugs have side effects; the side effects of cancer drugs vary
depending on the kind of cancer being treated. When a drug's effect against a
type of cancer has not been demonstrated, and its side effects are unknown, the
possible risks of giving the drug may outweigh the possible benefits.
For example, the FDA approved the use of Gleevec to treat
chronic myelogenous leukemia (CML). However, its effect against chronic
lymphocytic leukemia (CLL) has not been studied. The biological process that
leads to the development of CLL is quite different from that which causes CML.
Currently, there is little scientific data to support using Gleevec to treat
CLL. Furthermore, it is not known what side effects the drug might cause in
patients with CLL. For these reasons, the off-label use of Gleevec to treat CLL
is generally not advised.
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Will my health insurance
cover drugs used off label for cancer treatment?
Some managed care organizations and health insurance
providers decline to reimburse the cost of drugs used off label to treat
cancer. Some insurers argue that when a drug is used for an unapproved
indication, the use is experimental and therefore, excluded from coverage.
However, because changes frequently occur in the standard of
care for cancer treatment, some insurance providers may be unaware of new
combination drug regimens or new uses for approved drugs. In some cases,
insurers may attempt to limit a doctor's choice of drugs to those that are
lower in cost.
Since drugs used off label are often the standard of care for
a particular kind of cancer, insurers' denial of coverage for such treatment
means that patients may not receive what their doctors consider the best
available treatment for their disease. To address this problem, federal and
state lawmakers have passed laws that require coverage of off-label drug use
for cancer treatment when the use is documented in certain authoritative drug
reference books or in the medical literature.
The U.S. Congress passed a law in 1993 requiring Medicare
(http://www.medicare.gov/), the federally funded health care program for
elderly and disabled people, to cover off-label drugs used in cancer treatment
when the use is supported by:
- a citation in at least one of the following
authoritative drug reference books.
- two or more peer-reviewed articles published in
respected medical journals.
Medicare coverage policy is not binding on private health
insurance providers, although some insurers have adopted coverage policies
consistent with Medicare's. Many states (see
below) have passed laws or issued regulations requiring state-regulated
private health insurers to provide coverage similar to Medicare's for off-label
drug use in cancer treatment. However, organizations (usually large companies)
funding their own health insurance coverage are exempt from these state laws
and regulations, although many comply voluntarily.
The complexity of the laws and regulations governing health
insurance coverage means there is no simple answer to the question of whether
your own health plan covers drugs used off label for cancer treatment. When
considering off-label drug use, you and your doctor should carefully check your
plan's coverage policy.
If coverage is initially denied, it may be helpful for the
doctor to provide the insurer with copies of peer-reviewed journal articles or
other documents supporting the proposed off-label use.
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What questions should I ask
my doctor about off-label drug use?
The following are some questions you may wish to ask your
doctor about off-label drug use in cancer treatment.
- What evidence is there to support the off-label
use of this drug to treat the type of cancer that I have?
- Is the off-label use of this drug likely to be
more effective that the use of an approved drug?
- What are the risks and benefits of off-label
treatment with this drug?
- Will my health insurance cover off-label
treatment with this drug?
- If my treatment involves a multidrug regimen and
one of the drugs is being used off label, will my health insurance cover it?
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What states require insurance coverage of
off-label cancer drugs?
The following states require
some state-regulated health insurance providers to cover the off-label use of
FDA-approved drugs for cancer treatment. Except where indicated, state law
requires the coverage.
Although the wording of these laws varies from state to
state, most require off-label uses to be covered when documented in
authoritative drug reference books. Many, but not all, laws also require
coverage when an off-label use is documented in the peer-reviewed medical
literature.
Source: Association of Community Cancer Centers
| Alabama |
Missouri |
| Arizona |
Nebraska |
| Arkansas |
Nevada |
| California |
New Hampshire |
| Colorado |
New Jersey |
| Connecticut |
New Mexico# |
| Florida |
New York |
| Georgia |
North Carolina |
| Hawaii* |
North Dakota |
| Illinois |
Ohio |
| Indiana |
Oklahoma |
| Kansas |
Oregon |
| Kentucky |
Rhode Island |
| Louisiana |
South Carolina |
| Maine |
South Dakota |
| Maryland |
Tennessee |
| Massachusetts |
Texas |
| Michigan |
Virginia |
| Minnesota |
Washington# |
| Mississippi |
|
* Non-legislative agreement with insurance providers
# Administrative rule with force of law
|
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