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SD 1381

An Act providing health insurance coverage for scalp and facial hair prostheses

194th Legislature (2025-2026) Introduced by John Keenan and 2 co-sponsors

Massachusetts bill requires health insurers to cover scalp and facial hair prostheses as medical devices for conditions causing hair loss.

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Bill Summary · SD 1381

Legislative bill overview

SD 1381 requires health insurance plans in Massachusetts to cover scalp and facial hair prostheses as medical devices. The bill classifies these prostheses as necessary medical equipment similar to other prosthetic devices already covered by insurance plans.

Why is this important

Hair loss from medical conditions (alopecia, chemotherapy, burns, etc.) can significantly impact psychological well-being and social functioning. Expanding insurance coverage removes financial barriers for patients who need these devices for medical or therapeutic reasons, though prostheses can cost hundreds to thousands of dollars.

Potential points of contention

  • Cost and insurance premiums: Insurers may argue that expanded coverage increases costs passed to all policyholders, raising questions about whether this is a medical necessity or cosmetic concern
  • Definition and scope: Determining which hair loss conditions qualify (medical vs. age-related vs. cosmetic) and which products count as therapeutic devices versus cosmetic wigs could create coverage disputes
  • Precedent concerns: Approval might prompt similar coverage requests for other appearance-related devices, raising questions about insurance's appropriate scope

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

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