<p class=ldtitle>A BILL to amend and reenact ยง 38.1-4319 of the Code of Virginia and to amend the Code of Virginia by adding a section numbered 38.2-3418.23, relating to health insurance; large group policies; coverage for scalp treatment during cancer chemotherapy treatment.</p>
Impact
If enacted, the bill would create a significant change in health insurance policies, particularly for large groups, by establishing new standards that mandate coverage for specific treatments related to cancer care. This inclusion is poised to alleviate the emotional and psychological distress often associated with hair loss due to chemotherapy, making it a vital consideration in supporting cancer patients through their treatment journey. Moreover, the bill will take effect for policies delivered, issued, or renewed starting from January 1, 2027, providing a timeline for insurers to adjust to these new requirements.
Summary
House Bill 90 seeks to amend the Code of Virginia to mandate health insurance coverage for scalp cooling systems, which are designed to minimize hair loss during chemotherapy treatment for cancer patients. By specifically addressing large group policies, the bill aims to ensure that insurers providing accident and sickness insurance, subscription contracts, and health care plans must include this coverage, thereby improving the quality of life for patients undergoing such treatments.
Contention
The notable point of contention regarding HB90 is its applicability, as the bill specifies that such coverage is not required for certain types of insurance policies, including short-term travel insurances, accident-only policies, and those aimed at federal programs like Medicare. Critics may raise concerns about the potential for inequities in coverage access, particularly among patients who do not qualify under the large group market or who fall into the excluded categories. Furthermore, discussions might emerge around the balance between insurance costs and providing comprehensive cancer care support, as insurers could argue about the financial implications of expanding mandated coverage.