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HB 1284

An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in comprehensive health care for uninsured children, further providing for contracts and coverage packages and providing for frenectomy services required.

2025-2026 Regular Session Introduced by Johanny Cepeda-Freytiz and 15 co-sponsors

Pennsylvania bill expands health coverage for uninsured children and mandates insurance coverage of frenectomy dental procedures.

Referred to Insurance
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WeVote Research Nonpartisan
Bill Summary · HB 1284

Legislative bill overview

HB 1284 amends Pennsylvania's Insurance Company Law of 1921 to expand health insurance coverage for uninsured children and mandates coverage of frenectomy services (a dental procedure to release tongue or lip ties). The bill modifies contract and coverage package requirements under comprehensive health care provisions for this population.

Why is this important

This bill directly affects insurance availability and affordability for a vulnerable population—uninsured children—while also establishing coverage mandates for a specific dental procedure. Such mandates can influence insurance premiums and what health plans must offer, affecting both insurers and families seeking coverage.

Potential points of contention

  • Coverage mandate scope: Requiring frenectomy coverage may increase insurance costs; stakeholders may debate whether this specific procedure warrants a state mandate versus being addressed through standard medical necessity reviews
  • Funding mechanism: The bill doesn't specify how expanded coverage for uninsured children will be funded, raising questions about whether costs fall on insurers, employers, or state programs
  • Medical necessity definition: There may be disagreement over clinical criteria for when frenectomy is medically necessary versus elective, potentially leading to coverage disputes

Compiled from official sources — confirm details with the bill’s official record.

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