You did not ask me, but I will throw in my two cents anyway. I do NOT believe that the gov should MANDATE that Insurance companies provide any particular service, period. They are a private entity and should not be under the thumb of the Fed Gov. unless they are being contracted by the gov to provide gov employees health care service. Then they should be told what services the gov wishes to provide their employees and make that a factor in whether or not they get the contract. Otherwise, it is not up to the gov to mandate what service a private business must provide.
And only a liberal would assume that it is up to the gov to provide funding for any kind of research. You liberals seem to think that someone else is always responsible for your well being.