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
Amending the act of May 17, 1921 (P.L.682, No.284), entitled "An
act relating to insurance; amending, revising, and
consolidating the law providing for the incorporation of
insurance companies, and the regulation, supervision, and
protection of home and foreign insurance companies, Lloyds
associations, reciprocal and inter-insurance exchanges, and
fire insurance rating bureaus, and the regulation and
supervision of insurance carried by such companies,
associations, and exchanges, including insurance carried by
the State Workmen's Insurance Fund; providing penalties; and
repealing existing laws," in casualty insurance, providing
for coverage for scalp cooling systems.
The General Assembly of the Commonwealth of Pennsylvania
hereby enacts as follows:
Section 1. The act of May 17, 1921 (P.L.682, No.284), known
as The Insurance Company Law of 1921, is amended by adding a
section to read:
Section 631.2. Coverage for Scalp Cooling Systems.--(a)
Each health insurance policy that is offered, issued or renewed
in this Commonwealth and that provides hospital, surgical,
medical, major medical or similar comprehensive coverage for
cancer chemotherapy treatment shall include coverage for scalp
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
cooling system treatment.
(b) Coverage under this section shall be subject to:
(1) the deductible, copayment and coinsurance conditions
applied to cancer chemotherapy treatment; and
(2) the terms and conditions specified in the health
insurance policy, if the terms and conditions are consistent
with this section.
(c) As used in this section:
"Health insurance policy" means a policy, subscriber
contract, certificate or plan issued by an insurer that provides
medical or health care coverage. The term does not include any
of the following:
(1) An accident only policy.
(2) A credit only policy.
(3) A long-term care or disability income policy.
(4) A specified disease policy.
(5) A Medicare supplement policy.
(6) A fixed indemnity policy.
(7) A dental only policy.
(8) A vision only policy.
(9) A workers' compensation policy.
(10) An automobile medical payment policy.
(11) A policy under which benefits are provided by the
Federal Government to active or former military personnel and
their dependents.
(12) A hospital indemnity policy.
(13) Any other similar policy providing for limited
benefits.
"Insurer" means an entity that is licensed by the Insurance
Department to offer, issue or renew a health insurance policy
20250HB2022PN2581 - 2 -
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
and that is governed under any of the following:
(1) This act, including section 630 and Article XXIV.
(2) The act of December 29, 1972 (P.L.1701, No.364), known
as the "Health Maintenance Organization Act."
(3) 40 Pa.C.S. Ch. 61 (relating to hospital plan
corporations) or 63 (relating to professional health services
plan corporations).
"Scalp cooling system treatment" means treatment using a
device that cools the human scalp to prevent or reduce hair loss
during cancer chemotherapy treatment, if the device is designed
and intended for repeated use and is primarily and customarily
used to serve a medical purpose. The term includes treatment
using a cold cap or a refrigerated scalp cooling system.
Section 2. This act shall apply as follows:
(1) For health insurance policies for which either rates
or forms are required to be filed with the Federal Government
or the Insurance Department, the addition of section 631.2 of
the act shall apply to any policy for which a form or rate is
first filed on or after the effective date of this paragraph.
(2) For health insurance policies for which neither
rates nor forms are required to be filed with the Federal
Government or the Insurance Department, the addition of
section 631.2 of the act shall apply to any policy issued or
renewed on or after 120 days after the effective date of this
paragraph.
(3) For medical assistance and Children's Health
Insurance Program managed care plans, the addition of section
631.2 of the act shall apply beginning January 1, 2027, or 60
days after the effective date of this paragraph, whichever is
later.
20250HB2022PN2581 - 3 -
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Section 3. This act shall take effect in 60 days.
20250HB2022PN2581 - 4 -
1