---
title: HB 124. Insurance; require coverage for healthcare services for pediatric autoimmune neuropsychiatric disorders; provisions
collection: bills
id: 2025-2026/hb124
cite_as: HB 124, 2025-2026 Regular Session (Ga.)
canonical_url: https://georgiacommons.org/bills/2025-2026/hb124
md_url: https://georgiacommons.org/bills/2025-2026/hb124.md
text_url: https://georgiacommons.org/bills/2025-2026/hb124/text
source_url: https://www.legis.ga.gov/legislation/69498
date: 2025-02-26
status: engrossed
corpus_version: bills-2026-09-13
license: Public record of the Georgia General Assembly, via LegiScan; see about.md
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
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omitted: votes and history
omitted_chars: 463
omitted_url: https://georgiacommons.org/bills/2025-2026/hb124.md?full=1
bill_number: HB 124
session: 2025-2026 Regular Session
session_slug: 2025-2026
chamber: House
bill_type: bill
status_date: 2025-02-24
last_action: Senate Read and Referred
sponsors:
- Mitchell Scoggins
- Lee Hawkins
- James Hatchett
- David Clark
- Mark Newton
- Tim Fleming
text_version: Introduced
has_text: true
legiscan_url: https://legiscan.com/GA/bill/HB124/2025
upstream_id: 1943224
summaries_model: claude-sonnet-5
topic_tags:
- health insurance coverage
- children's health
- PANDAS and PANS
- state employee benefits
- insurance mandates
---
# HB 124. Insurance; require coverage for healthcare services for pediatric autoimmune neuropsychiatric disorders; provisions
## Text
House Bill 124
By: Representatives Scoggins of the 14th, Hawkins of the 27th, Hatchett of the 155th, Clark
of the 100th, Newton of the 127th, and others
A BILL TO BE ENTITLED
AN ACT
To amend Article 1 of Chapter 24 of Title 33 and Article 1 of Chapter 18 of Title 45 of the
Official Code of Georgia Annotated, relating to general provisions relative to insurance and
the state employees' health insurance plan and post-employment health benefit fund,
respectively, so as to require coverage for healthcare services for pediatric autoimmune
neuropsychiatric disorders associated with streptococcal infection (PANDAS) and pediatric
acute onset neuropsychiatric syndrome (PANS) in accordance with nationally recognized
clinical practice guidelines; to provide for definitions; to allow for deductibles; to prohibit
special deductibles; to provide for rules and regulations; to provide for related matters; to
repeal conflicting laws; and for other purposes.
BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA:
SECTION 1.
Article 1 of Chapter 24 of Title 33 of the Official Code of Georgia Annotated, relating to
general provisions relative to insurance, is amended by adding a new Code section to read
as follows:
"33-24-59.34.
(a) As used in this Code section, the term:
(1) 'Health benefit policy' means any individual or group plan, policy, or contract for
healthcare services issued, delivered, issued for delivery, or renewed in this state which
provides major medical benefits, including those contracts executed by the State of
Georgia on behalf of state employees under Article 1 of Chapter 18 of Title 45, by a
health care corporation, health maintenance organization, preferred provider organization,
accident and sickness insurer, fraternal benefit society, hospital service corporation,
medical service corporation, or other insurer or similar entity. Such term shall not
include any self-insured health benefit plan subject to the exclusive jurisdiction of the
federal Employee Retirement Income Security Act of 1974, 29 U.S.C. Section 1001,
et seq.
(2) 'Nationally recognized clinical practice guidelines' means evidence based clinical
practice guidelines developed by independent organizations or medical professional
societies utilizing a transparent methodology and reporting structure and with a
conflict-of-interest policy. Such guidelines establish standards of care informed by a
systematic review of evidence and an assessment of the benefits and risks of alternative
care options and include recommendations intended to optimize patient care.
(3) 'Pediatric acute onset neuropsychiatric syndrome' or 'PANS' means a class of acute
onset obsessive compulsive or tic disorders or other behavioral changes presenting in
children and adolescents that are not otherwise explained by another known neurologic
or medical disorder.
(4) 'Pediatric autoimmune neuropsychiatric disorders associated with streptococcal
infections' or 'PANDAS' means a condition in which a streptococcal infection in a child
or adolescent causes the abrupt onset of clinically significant obsessions, compulsions,
tics, or other neuropsychiatric symptoms or behavioral changes, or a relapsing and
remitting course of symptom severity.
(b) All health benefit policies renewed or issued on or after July 1, 2025, shall include
coverage for healthcare services for PANDAS or PANS for an individual covered under
such policy as provided in this Code section.
(c) Healthcare services for PANDAS or PANS for an individual covered under a health
benefit policy shall be covered for the purposes of diagnosis, treatment, appropriate
management, or ongoing monitoring of a covered person's disorder when such services are
supported by nationally recognized clinical practice guidelines.
(d) The benefits in a health benefit policy as provided for in this Code section shall be
subject to the same deductibles, coinsurance, copayment provisions, and other limitations
established for all covered benefits within such health benefit policy. Special deductibles,
coinsurance, copayment, and other limitations that are not generally applicable to other
healthcare services covered by a health benefit policy shall not be imposed on coverage for
healthcare services for PANDAS or PANS.
(e) The Commissioner shall promulgate rules and regulations necessary to implement the
provisions of this Code section."
SECTION 2.
Article 1 of Chapter 18 of Title 45 of the Official Code of Georgia Annotated, relating to the
state employees' insurance health insurance plan and post-employment health benefit fund,
is amended by adding a new Code section to read as follows:
"45-18-4.2.
(a) As used in this Code section, the term:
(1) 'Nationally recognized clinical practice guidelines' means evidence based clinical
practice guidelines developed by independent organizations or medical professional
societies utilizing a transparent methodology and reporting structure and with a
conflict-of-interest policy. Such guidelines establish standards of care informed by a
systematic review of evidence and an assessment of the benefits and risks of alternative
care options and include recommendations intended to optimize patient care.
(2) 'Pediatric acute onset neuropsychiatric syndrome' or 'PANS' means a class of acute
onset obsessive compulsive or tic disorders or other behavioral changes presenting in
children and adolescents that are not otherwise explained by another known neurologic
or medical disorder.
(3) 'Pediatric autoimmune neuropsychiatric disorders associated with streptococcal
infections' or 'PANDAS' means a condition in which a streptococcal infection in a child
or adolescent causes the abrupt onset of clinically significant obsessions, compulsions,
tics, or other neuropsychiatric symptoms or behavioral changes, or a relapsing and
remitting course of symptom severity.
(4) 'State health benefit plan' means the health insurance plan or plans established
pursuant to this article and Part 6 of Article 17 of Chapter 2 of Title 20 for state and
public employees, dependents, and retirees.
(b) Beginning January 1, 2026, the state health benefit plan shall include coverage for
healthcare services for PANDAS or PANS for an individual covered under such policy as
provided in this Code section.
(c) Healthcare services for PANDAS or PANS for an individual covered under the state
health benefit plan shall be covered for the purposes of diagnosis, treatment, appropriate
management, or ongoing monitoring of a covered person's disorder when such services are
supported by nationally recognized clinical practice guidelines.
(d) The benefits in the state health benefit plan as provided for in this Code section shall
be subject to the same deductibles, coinsurance, copayment provisions, and other
limitations established for all covered benefits within such plan. Special deductibles,
coinsurance, copayment, and other limitations that are not generally applicable to
healthcare services covered by such plan shall not be imposed on coverage for healthcare
services for PANDAS or PANS."
SECTION 3.
All laws and parts of laws in conflict with this Act are repealed.
## Summaries written by Georgia Commons
The following was written by claude-sonnet-5 from the text above and is not part of the bill. Quote the text, not the summary.
House Bill 124 would require Georgia health insurance plans, including the state employees' health plan, to cover diagnosis and treatment of PANDAS and PANS, two neuropsychiatric conditions that can appear suddenly in children after infection.
### Plain-language summary
Currently, Georgia law does not specifically require insurance plans to cover care for pediatric autoimmune neuropsychiatric disorders associated with streptococcal infection (PANDAS) or pediatric acute onset neuropsychiatric syndrome (PANS), conditions where children suddenly develop obsessive-compulsive symptoms, tics, or other behavioral changes. This bill adds new sections to Georgia's insurance code and to the law governing the state employees' health plan to require that coverage.
Under the bill, most health insurance policies renewed or issued in Georgia on or after July 1, 2025 must cover PANDAS and PANS diagnosis, treatment, management, and monitoring when the care follows nationally recognized clinical practice guidelines. The state health benefit plan for state employees and retirees must provide the same coverage starting January 1, 2026. Insurers can apply their normal deductibles and copays to this care but cannot create special extra costs just for PANDAS or PANS treatment. The bill excludes self-insured plans governed by the federal ERISA law, and directs the state Insurance Commissioner to write implementing rules.
### What it does
- Adds a new Code section requiring most Georgia health insurance policies issued or renewed on or after July 1, 2025 to cover PANDAS and PANS care.
- Requires the state employees' health benefit plan to cover the same conditions starting January 1, 2026.
- Defines PANDAS and PANS in state law based on their clinical presentation in children and adolescents.
- Bars insurers from imposing special, higher deductibles or copays for PANDAS or PANS care beyond what applies to other covered services.
- Excludes self-insured health plans regulated exclusively under the federal ERISA law from the new coverage mandate.
- Directs the state Insurance Commissioner to create rules and regulations to carry out the new requirement.
### Who it affects
Children and adolescents diagnosed with PANDAS or PANS and their families, private health insurers and HMOs operating in Georgia, the State of Georgia as administrator of the state employees' health plan, and state employees and retirees covered by that plan.
### Why it matters
Families whose children develop sudden obsessive-compulsive symptoms or tics linked to strep infections would gain a legal right to insurance coverage for diagnosis and treatment, rather than facing coverage denials, as long as the care follows recognized clinical guidelines and normal cost-sharing rules apply.
### Key provisions
- Section 1 adds O.C.G.A. § 33-24-59.34, defining 'health benefit policy,' 'nationally recognized clinical practice guidelines,' PANDAS, and PANS, and excluding ERISA self-insured plans.
- Section 1 requires covered policies issued or renewed on or after July 1, 2025 to cover PANDAS/PANS diagnosis, treatment, management, and monitoring supported by clinical guidelines.
- Section 1 bars insurers from imposing special deductibles, coinsurance, or copays for PANDAS/PANS beyond those generally applied to other covered services.
- Section 1 directs the Insurance Commissioner to issue implementing rules and regulations.
- Section 2 adds O.C.G.A. § 45-18-4.2, applying the same coverage requirement and cost-sharing limits to the state health benefit plan for state employees, dependents, and retirees, effective January 1, 2026.
- Section 3 repeals conflicting laws.
## Status
- Status: Engrossed (2025-02-24)
- Last action: Senate Read and Referred (2025-02-26)
- Sponsors: Mitchell Scoggins, Lee Hawkins, James Hatchett, David Clark, Mark Newton, Tim Fleming
- Official page: https://www.legis.ga.gov/legislation/69498
> The history, votes, and amendments (463 characters) are at https://georgiacommons.org/bills/2025-2026/hb124.md?full=1