GA SB518

Requires Georgia health insurers to cover medically necessary diagnosis and treatment of alopecia universalis (a severe autoimmune condition causing complete body hair loss) beginning January 1, 2027

Covered treatments include FDA-approved oral medications, corticosteroids, phototherapy, and cranial prostheses (wigs)

Prohibits insurers from imposing special deductibles, copayments, or limitations beyond those applied to other covered medical services

Applies to individual and group health plans but excludes self-funded employer plans subject to federal ERISA jurisdiction

Existing contracts are deemed renewed no later than their first anniversary after the effective date to ensure coverage applies