This bill amends various chapters of the General Laws related to insurance policies by introducing mandatory coverage for scalp cooling systems for individuals diagnosed with cancer undergoing chemotherapy. Specifically, it adds a new section, 27-18-68.1, to Chapter 27-18, as well as similar sections to Chapters 27-19, 27-20, and 27-41. The bill defines "scalp cooling systems" as FDA-approved medical devices designed to cool the scalp to prevent or reduce chemotherapy-induced or related alopecia before, during, and/or after chemotherapy administration for cancer treatment.

It mandates that all individual or group hospital or medical expense insurance policies delivered, issued for delivery, or renewed in the state on or after January 1, 2027, must provide coverage for these systems to individuals diagnosed with cancer and undergoing chemotherapy treatments.

The bill also specifies that this mandatory coverage does not apply to certain types of insurance policies, including those providing benefits for hospital confinement indemnity, disability income, accident-only coverage, long-term care, Medicare supplements, limited benefit health, specified disease indemnity, and other limited benefit policies. The act is set to take effect upon passage.