1Amending the act of May 17, 1921 (P.L.682, No.284), entitled "An
2act relating to insurance; amending, revising, and
3consolidating the law providing for the incorporation of
4insurance companies, and the regulation, supervision, and
5protection of home and foreign insurance companies, Lloyds
6associations, reciprocal and inter-insurance exchanges, and
7fire insurance rating bureaus, and the regulation and
8supervision of insurance carried by such companies,
9associations, and exchanges, including insurance carried by
10the State Workmen's Insurance Fund; providing penalties; and
11repealing existing laws," providing for cranial hair vacuum
12prosthesis coverage standards for health insurance policies.

13The General Assembly of the Commonwealth of Pennsylvania
14hereby enacts as follows:

15Section 1.  The act of May 17, 1921 (P.L.682, No.284), known
16as The Insurance Company Law of 1921, is amended by adding a
17section to read:

18Section 635.7.  Cranial Hair Vacuum Prosthesis Insurance
19Coverage.--(a)  A health insurance policy shall provide that the
20health insurance benefits applicable under the policy include
21coverage for the cost of a medically necessary cranial hair
22vacuum prosthesis when prescribed by a physician for a person

1who sustains hair loss as a result of alopecia totalis or
2alopecia universalis.

3(b)  If a health insurance policy provides coverage or
4benefits to a resident of this Commonwealth, it shall be deemed
5to be delivered in this Commonwealth within the meaning of this
6section, regardless of whether the insurer issuing or delivering
7the policy is located within or outside this Commonwealth.

8(c)  Benefits for a cranial hair vacuum prosthesis shall be
9subject to any annual deductible, copayment and coinsurance
10provisions of a health insurance policy to the extent that other
11medical services covered by the policy are subject to those
12provisions. A benefit limit of one thousand five hundred dollars
13once every three years shall apply to cranial hair vacuum
14prostheses covered under this section.

15(d)  This section shall apply to any health insurance policy
16offered, issued or renewed on or after the effective date of
17this section in this Commonwealth: Provided, That this section
18shall not include the following policies: accident only, fixed
19indemnity, limited benefit, credit, dental, vision, specified
20disease, Medicare supplement, CHAMPUS (Civilian Health and
21Medical Program of the Uniformed Services) supplement, long-term
22care, disability income, workers' compensation or automobile
23medical payment.

24(e)  As used in this section:

25(1)  "Alopecia totalis" means an autoimmune disease resulting 
26in complete scalp hair loss.

27(2)  "Alopecia universalis" means an autoimmune disease 
28resulting in complete body hair loss.

29(3)  "Cranial hair vacuum prosthesis" means a custom designed 
30system utilizing specialized materials to replace hair loss due 

1to alopecia totalis or alopecia universalis.

2(4)  "Health insurance policy" means any group health, 
3sickness or accident policy or subscriber contract or 
4certificate issued by an entity subject to one of the following:

5(i)  This act.

6(ii)  The act of December 29, 1972 (P.L.1701, No.364), known 
7as the "Health Maintenance Organization Act."

8(iii)  40 Pa.C.S. Ch. 61 (relating to hospital plan 
9corporations) or 63 (relating to professional health services 
10plan corporations).

11(5)  "Insurer" means an entity that issues a health insurance 
12policy.

13Section 2.  This act shall take effect in 60 days.