If an insurance company provides free screening for a group that's at risk for a given disease (think Africans and sickle cell anemia), do they have to provide it for everyone? What about conditions that are more common in women than men? Does this law mean that insurance companies have to pay for yearly pap smears for men as long as they pay it for women, even though men don't have a cervix? After all, having a cervix or not is a determined by genes.