PA SB978

Requires health insurers in Pennsylvania to cover at least one early allergen introduction dietary supplement (peanut or egg protein) prescribed by a health care practitioner for infants under one year of age

Mandates coverage at no additional cost to the insured, with no deductibles, copayments, coinsurance, or other cost-sharing for these supplements

Applies to individual and group health insurance policies, HMOs, and hospital/professional health service plan corporations, but excludes accident-only, dental-only, vision-only, Medicare supplement, and other limited benefit policies

Cites that approximately 8% of U.S. children have food allergies, with annual direct medical costs averaging $2,081 per individual and out-of-pocket costs of $1,874

Takes effect 60 days after enactment and applies to policies offered, issued, or renewed after that date