Health Insurance Prior Authorization; Prohibiting health maintenance organizations from excluding coverage for certain cancer treatment drugs; prohibiting health insurers and health maintenance organizations from requiring, before providing prescription drug coverage for the treatment of stage 4 metastatic cancer and associated conditions, that treatment has failed with a different drug; requiring health insurers to provide and disclose procedures for insureds to request exceptions to step-therapy protocols; prohibiting health insurers, under certain circumstances, from retroactively denying a claim at any time because of insured ineligibility, etc.