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SB 2770

Illinois Senate•Passed

Summary

SB 2770, “LOC FIRST RESPONDER INSURANCE”, was introduced in the Senate on Jan 13, 2026 by Sen. Patrick Joyce (D) with 21 co-sponsors. It last saw action on Jul 24, 2026: Public Act . . . . . . . . . 104-0630.

Record

Text

SB 2770 has 21 co-sponsors and 4 roll calls.

sb2770/enrolled.txt
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Full Text of SB2770
Home
Legislation
Full Text
	SB2770 - 104th General Assembly
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			Senate Amendment 001
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		Introduced
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		Senate Amendment 001
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		SB2770 Enrolled		LRB104 16719 RTM 30125 b
    AN ACT concerning local government.
    Be it enacted by the People of the State of Illinois,
represented in the General Assembly:
    Section 5. The Counties Code is amended by changing
Section 5-1069 as follows:
    (55 ILCS 5/5-1069)
    Sec. 5-1069. Group life, health, accident, hospital, and
medical insurance.
    (a) The county board of any county may arrange to provide,
for the benefit of employees of the county, group life,
health, accident, hospital, and medical insurance, or any one
or any combination of those types of insurance, or the county
board may self-insure, for the benefit of its employees, all
or a portion of the employees' group life, health, accident,
hospital, and medical insurance, or any one or any combination
of those types of insurance, including a combination of
self-insurance and other types of insurance authorized by this
Section, provided that the county board complies with all
other requirements of this Section. The insurance may include
provision for employees who rely on treatment by prayer or
spiritual means alone for healing in accordance with the
tenets and practice of a well recognized religious
denomination. The county board may provide for payment by the
		SB2770 Enrolled	- 2 -	LRB104 16719 RTM 30125 b
county of a portion or all of the premium or charge for the
insurance with the employee paying the balance of the premium
or charge, if any. If the county board undertakes a plan under
which the county pays only a portion of the premium or charge,
the county board shall provide for withholding and deducting
from the compensation of those employees who consent to join
the plan the balance of the premium or charge for the
insurance.
    (b) If the county board does not provide for
self-insurance or for a plan under which the county pays a
portion or all of the premium or charge for a group insurance
plan, the county board may provide for withholding and
deducting from the compensation of those employees who consent
thereto the total premium or charge for any group life,
health, accident, hospital, and medical insurance.
    (c) The county board may exercise the powers granted in
this Section only if it provides for self-insurance or, where
it makes arrangements to provide group insurance through an
insurance carrier, if the kinds of group insurance are
obtained from an insurance company authorized to do business
in the State of Illinois. The county board may enact an
ordinance prescribing the method of operation of the insurance
program.
    (d) If a county, including a home rule county, is a
self-insurer for purposes of providing health insurance
coverage for its employees, the insurance coverage shall
		SB2770 Enrolled	- 3 -	LRB104 16719 RTM 30125 b
include screening by low-dose mammography for all patients 35
years of age or older for the presence of occult breast cancer
unless the county elects to provide mammograms itself under
Section 5-1069.1. The coverage shall be as follows:
        (1) A baseline mammogram for patients 35 to 39 years
    of age.
        (2) An annual mammogram for patients 40 years of age
    or older.
        (3) A mammogram at the age and intervals considered
    medically necessary by the patient's health care provider
    for patients under 40 years of age and having a family
    history of breast cancer, prior personal history of breast
    cancer, positive genetic testing, or other risk factors.
        (4) For a group policy of accident and health
    insurance that is amended, delivered, issued, or renewed
    on or after January 1, 2020 (the effective date of Public
    Act 101-580), a comprehensive ultrasound screening of an
    entire breast or breasts if a mammogram demonstrates
    heterogeneous or dense breast tissue or when medically
    necessary as determined by a physician licensed to
    practice medicine in all of its branches, advanced
    practice registered nurse, or physician assistant.
        (4.5) For a group policy of accident and health
    insurance that is amended, delivered, issued, or renewed
    on or after January 1, 2026 (the effective date of Public
    Act 103-808), molecular breast imaging (MBI) and magnetic
		SB2770 Enrolled	- 4 -	LRB104 16719 RTM 30125 b
    resonance imaging of an entire breast or breasts if a
    mammogram demonstrates heterogeneous or dense breast
    tissue or when medically necessary as determined by a
    physician licensed to practice medicine in all of its
    branches, advanced practice registered nurse, or physician
    assistant.
        (5) For a group policy of accident and health
    insurance that is amended, delivered, issued, or renewed
    on or after January 1, 2020 (the effective date of Public
    Act 101-580), a diagnostic mammogram when medically
    necessary, as determined by a physician licensed to
    practice medicine in all its branches, advanced practice
    registered nurse, or physician assistant.
    A policy subject to this subsection shall not impose a
deductible, coinsurance, copayment, or any other cost-sharing
requirement on the coverage provided; except that this
sentence does not apply to coverage of diagnostic mammograms
to the extent such coverage would disqualify a high-deductible
health plan from eligibility for a health savings account
pursuant to Section 223 of the Internal Revenue Code (26
U.S.C. 223).
    For purposes of this subsection:
    "Diagnostic mammogram" means a mammogram obtained using
diagnostic mammography.
    "Diagnostic mammography" means a method of screening that
is designed to evaluate an abnormality in a breast, including
		SB2770 Enrolled	- 5 -	LRB104 16719 RTM 30125 b
an abnormality seen or suspected on a screening mammogram or a
subjective or objective abnormality otherwise detected in the
breast.
    "Low-dose mammography" means the x-ray examination of the
breast using equipment dedicated specifically for mammography,
including the x-ray tube, filter, compression device, and
image receptor, with an average radiation exposure delivery of
less than one rad per breast for 2 views of an average size
breast. The term also includes digital mammography.
    (d-5) Coverage as described by subsection (d) shall be
provided at no cost to the insured and shall not be applied to
an annual or lifetime maximum benefit.
    (d-10) When health care services are available through
contracted providers and a person does not comply with plan
provisions specific to the use of contracted providers, the
requirements of subsection (d-5) are not applicable. When a
person does not comply with plan provisions specific to the
use of contracted providers, plan provisions specific to the
use of non-contracted providers must be applied without
distinction for coverage required by this Section and shall be
at least as favorable as for other radiological examinations
covered by the policy or contract.
    (d-15) If a county, including a home rule county, is a
self-insurer for purposes of providing health insurance
coverage for its employees, the insurance coverage shall
include mastectomy coverage, which includes coverage for
		SB2770 Enrolled	- 6 -	LRB104 16719 RTM 30125 b
prosthetic devices or reconstructive surgery incident to the
mastectomy. Coverage for breast reconstruction in connection
with a mastectomy shall include:
        (1) reconstruction of the breast upon which the
    mastectomy has been performed;
        (2) surgery and reconstruction of the other breast to
    produce a symmetrical appearance; and
        (3) prostheses and treatment for physical
    complications at all stages of mastectomy, including
    lymphedemas.
Care shall be determined in consultation with the attending
physician and the patient. The offered coverage for prosthetic
devices and reconstructive surgery shall be subject to the
deductible and coinsurance conditions applied to the
mastectomy, and all other terms and conditions applicable to
other benefits. When a mastectomy is performed and there is no
evidence of malignancy then the offered coverage may be
limited to the provision of prosthetic devices and
reconstructive surgery to within 2 years after the date of the
mastectomy. As used in this Section, "mastectomy" means the
removal of all or part of the breast for medically necessary
reasons, as determined by a licensed physician.
    A county, including a home rule county, that is a
self-insurer for purposes of providing health insurance
coverage for its employees, may not penalize or reduce or
limit the reimbursement of an attending provider or provide
		SB2770 Enrolled	- 7 -	LRB104 16719 RTM 30125 b
incentives (monetary or otherwise) to an attending provider to
induce the provider to provide care to an insured in a manner
inconsistent with this Section.
    (d-20) The requirement that mammograms be included in
health insurance coverage as provided in subsections (d)
through (d-15) is an exclusive power and function of the State
and is a denial and limitation under Article VII, Section 6,
subsection (h) of the Illinois Constitution of home rule
county powers. A home rule county to which subsections (d)
through (d-15) apply must comply with every provision of those
subsections.
    (d-25) If a county, including a home rule county, is a
self-insurer for purposes of providing health insurance
coverage, the insurance coverage shall include joint mental
health therapy services for any member of the sheriff's
office, including the sheriff, and any spouse or partner of
the member who resides with the member.
    The joint mental health therapy services provided under
this subsection shall be performed by a physician licensed to
practice medicine in all of its branches, a licensed clinical
psychologist, a licensed clinical social worker, a licensed
clinical professional counselor, a licensed marriage and
family therapist, a licensed social worker, or a licensed
professional counselor.
    This subsection is a limitation under subsection (i) of
Section 6 of Article VII of the Illinois Constitution on the
		SB2770 Enrolled	- 8 -	LRB104 16719 RTM 30125 b
concurrent exercise by home rule units of powers and functions
exercised by the State.
    (e) The term "employees" as used in this Section includes
elected or appointed officials but does not include temporary
employees.
    (f) The county board may, by ordinance, arrange to provide
group life, health, accident, hospital, and medical insurance,
or any one or a combination of those types of insurance, under
this Section to retired former employees and retired former
elected or appointed officials of the county.
    (g) Rulemaking authority to implement this amendatory Act
of the 95th General Assembly, if any, is conditioned on the
rules being adopted in accordance with all provisions of the
Illinois Administrative Procedure Act and all rules and
procedures of the Joint Committee on Administrative Rules; any
purported rule not so adopted, for whatever reason, is
unauthorized.
    (h) If a county, including a home rule county, is a
self-insurer for purposes of providing health insurance
coverage for its employees, the insurance coverage shall
include, on and after June 1, 2025, mental health counseling
for any county employee who is a first responder without
imposing a deductible, coinsurance, copayment, or any other
cost-sharing requirement on the coverage provided, except that
this subsection does not apply to the extent such coverage
would disqualify a high-deductible health plan from
		SB2770 Enrolled	- 9 -	LRB104 16719 RTM 30125 b
eligibility for a health savings account pursuant to Section
223 of the Internal Revenue Code.
    The requirement that mental health counseling be included
in health insurance coverage as provided in this subsection is
an exclusive power and function of the State and is a denial
and limitation under Article VII, Section 6, subsection (h) of
the Illinois Constitution of home rule county powers.
    As used in this subsection:
    "First responders" means police and corrections officers; [,]
deputy sheriffs; [,] firefighters; [,] emergency medical services
personnel, as that term is defined in Section 3.5 of the
Emergency Medical Services (EMS) Systems Act, dispatched
pursuant to a 9-1-1 call; [,] emergency medical dispatchers, as
that term is defined in Section 3.70 of the Emergency Medical
Services (EMS) Systems Act; [,] public safety telecommunicators,
as that term is defined in Section 2 of the Emergency Telephone
System Act, and mental health professionals employed and
dispatched by any unit of local government in response to
emergency crisis calls received on public emergency service
lines instead of or in conjunction with law enforcement; 
county medical examiners or coroners; and deputy county 
medical examiners or deputy coroners.
    "Mental health counseling" means counseling therapy
sessions provided by a clinical social worker, professional
counselor, or licensed psychologist.
(Source: P.A. 103-808, eff. 1-1-26; 103-818, eff. 1-1-25;
		SB2770 Enrolled	- 10 -	LRB104 16719 RTM 30125 b
103-1011, eff. 1-1-25; 104-417, eff. 8-15-25.)
    Section 10. The Illinois Municipal Code is amended by
changing Section 10-4-2.4 as follows:
    (65 ILCS 5/10-4-2.4)
    Sec. 10-4-2.4. Mental health counseling.
    (a) As used in this Section:
    "First responders" means police and corrections officers; [,]
deputy sheriffs; [,] firefighters; [,] emergency medical services
personnel, as that term is defined in Section 3.5 of the
Emergency Medical Services (EMS) Systems Act, dispatched
pursuant to a 9-1-1 call; [,] emergency medical dispatchers, as
that term is defined in Section 3.70 of the Emergency Medical
Services (EMS) Systems Act; [,] public safety telecommunicators,
as that term is defined in Section 2 of the Emergency Telephone
System Act; [, and] mental health professionals employed and
dispatched by any unit of local government in response to
emergency crisis calls received on public emergency service
lines instead of or in conjunction with law enforcement; 
county medical examiners or coroners; and deputy county 
medical examiners or deputy coroners.
    "Mental health counseling" means counseling therapy
sessions provided by a clinical social worker, professional
counselor, or licensed psychologist.
    (b) If a municipality, including a home rule municipality,
		SB2770 Enrolled	- 11 -	LRB104 16719 RTM 30125 b
is a self-insurer for purposes of providing health insurance
coverage for its employees, the insurance coverage shall
include, on and after June 1, 2025, mental health counseling
for any employee who is a first responder without imposing a
deductible, coinsurance, copayment, or any other cost-sharing
requirement on the coverage provided, except that this Section
does not apply to the extent such coverage would disqualify a
high-deductible health plan from eligibility for a health
savings account pursuant to Section 223 of the Internal
Revenue Code.
    (c) The requirement that mental health counseling be
included in health insurance coverage as provided in this
Section is an exclusive power and function of the State and is
a denial and limitation under Article VII, Section 6,
subsection (h) of the Illinois Constitution of home rule
powers.
(Source: P.A. 103-1011, eff. 1-1-25.)

Reinserts the provisions of the introduced bill with the following changes. Provides that deputy county medical examiners and deputy coroners (in addition to county medical examiners and coroners) are first responders for the purposes of provisions requiring a county to provide health insurance coverage for its employees who are first responders without imposing a deductible, coinsurance, copayment, or any other cost-sharing requirement.

Sponsors

Sen. Patrick Joyce (D) sponsors SB 2770, and 21 members have co-sponsored it.

Committees

SB 2770 went before 4 committees: Assignments, Local Government, Rules and Insurance.

Assignments
Assignments
Referred to · Jan 13, 2026
Local Government
Local Government
Referred to · Feb 3, 2026
Rules
Rules
Referred to · Apr 17, 2026 · 5,290 Bills
Insurance
Insurance
Referred to · Apr 27, 2026

History

SB 2770 has taken 49 actions since Jan 13, 2026, the latest on Jul 24, 2026.

ChamberAction
Jul 24, 2026
Senate
Governor Approved
Jul 24, 2026
Senate
Effective Date January 1, 2027
Jul 24, 2026
Senate
Public Act . . . . . . . . . 104-0630
Jun 18, 2026
Senate
Sent to the Governor
May 30, 2026
Senate
Added as Co-Sponsor Sen. Cristina Castro

Votes

SB 2770 went to 4 roll calls across both chambers, the latest on May 21, 2026 at 89–21.

ChamberQuestion
Yea
Nay
May 21, 2026
House
House Third Reading
89
21
May 5, 2026
House
House Insurance Committee
10
5
Feb 25, 2026
Senate
Senate Local Government Committee
10
0
Feb 25, 2026
Senate
Senate Local Government Committee
10
0

Source: ilga.gov · legiscan.com