HB 2022 — An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, providing for coverage for scalp cooling systems.

PRINTER'S NO.   2581

                     THE GENERAL ASSEMBLY OF PENNSYLVANIA



                         HOUSE BILL
                         No. 2022
                                               Session of
                                                 2025

     INTRODUCED BY McNEILL, HANBIDGE, HOHENSTEIN, SANCHEZ, HILL-
        EVANS, CEPEDA-FREYTIZ, RIVERA, DONAHUE, GALLAGHER AND FLICK,
        NOVEMBER 7, 2025

     REFERRED TO COMMITTEE ON INSURANCE, NOVEMBER 12, 2025


                                    AN ACT
 1   Amending the act of May 17, 1921 (P.L.682, No.284), entitled "An
 2      act relating to insurance; amending, revising, and
 3      consolidating the law providing for the incorporation of
 4      insurance companies, and the regulation, supervision, and
 5      protection of home and foreign insurance companies, Lloyds
 6      associations, reciprocal and inter-insurance exchanges, and
 7      fire insurance rating bureaus, and the regulation and
 8      supervision of insurance carried by such companies,
 9      associations, and exchanges, including insurance carried by
10      the State Workmen's Insurance Fund; providing penalties; and
11      repealing existing laws," in casualty insurance, providing
12      for coverage for scalp cooling systems.
13      The General Assembly of the Commonwealth of Pennsylvania
14   hereby enacts as follows:
15      Section 1.    The act of May 17, 1921 (P.L.682, No.284), known
16   as The Insurance Company Law of 1921, is amended by adding a
17   section to read:
18      Section 631.2.    Coverage for Scalp Cooling Systems.--(a)
19   Each health insurance policy that is offered, issued or renewed
20   in this Commonwealth and that provides hospital, surgical,
21   medical, major medical or similar comprehensive coverage for
22   cancer chemotherapy treatment shall include coverage for scalp
 1   cooling system treatment.
 2      (b)    Coverage under this section shall be subject to:
 3      (1)    the deductible, copayment and coinsurance conditions
 4   applied to cancer chemotherapy treatment; and
 5      (2)    the terms and conditions specified in the health
 6   insurance policy, if the terms and conditions are consistent
 7   with this section.
 8      (c)    As used in this section:
 9      "Health insurance policy" means a policy, subscriber
10   contract, certificate or plan issued by an insurer that provides
11   medical or health care coverage. The term does not include any
12   of the following:
13      (1)    An accident only policy.
14      (2)    A credit only policy.
15      (3)    A long-term care or disability income policy.
16      (4)    A specified disease policy.
17      (5)    A Medicare supplement policy.
18      (6)    A fixed indemnity policy.
19      (7)    A dental only policy.
20      (8)    A vision only policy.
21      (9)    A workers' compensation policy.
22      (10)     An automobile medical payment policy.
23      (11)     A policy under which benefits are provided by the
24   Federal Government to active or former military personnel and
25   their dependents.
26      (12)     A hospital indemnity policy.
27      (13)     Any other similar policy providing for limited
28   benefits.
29      "Insurer" means an entity that is licensed by the Insurance
30   Department to offer, issue or renew a health insurance policy

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 1   and that is governed under any of the following:
 2      (1)   This act, including section 630 and Article XXIV.
 3      (2)   The act of December 29, 1972 (P.L.1701, No.364), known
 4   as the "Health Maintenance Organization Act."
 5      (3)   40 Pa.C.S. Ch. 61 (relating to hospital plan
 6   corporations) or 63 (relating to professional health services
 7   plan corporations).
 8      "Scalp cooling system treatment" means treatment using a
 9   device that cools the human scalp to prevent or reduce hair loss
10   during cancer chemotherapy treatment, if the device is designed
11   and intended for repeated use and is primarily and customarily
12   used to serve a medical purpose. The term includes treatment
13   using a cold cap or a refrigerated scalp cooling system.
14      Section 2.    This act shall apply as follows:
15            (1)   For health insurance policies for which either rates
16      or forms are required to be filed with the Federal Government
17      or the Insurance Department, the addition of section 631.2 of
18      the act shall apply to any policy for which a form or rate is
19      first filed on or after the effective date of this paragraph.
20            (2)   For health insurance policies for which neither
21      rates nor forms are required to be filed with the Federal
22      Government or the Insurance Department, the addition of
23      section 631.2 of the act shall apply to any policy issued or
24      renewed on or after 120 days after the effective date of this
25      paragraph.
26            (3)   For medical assistance and Children's Health
27      Insurance Program managed care plans, the addition of section
28      631.2 of the act shall apply beginning January 1, 2027, or 60
29      days after the effective date of this paragraph, whichever is
30      later.

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1     Section 3.    This act shall take effect in 60 days.




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