Requires health insurance coverage for craniofacial disorders

This bill requires health insurance plans in the state to cover diagnosis and medically necessary treatment - including both surgical and nonsurgical procedures - for disorders affecting bones or joints in the face, neck, or head (such as birth defects, injuries, or developmental conditions). It applies to all health insurance policies offering physician or major medical coverage, mandating that this coverage be equivalent to coverage for other musculoskeletal disorders in the body. Policies may require a referral from a contracted healthcare provider, but the bill explicitly excludes coverage for routine dental services related to teeth, gums, or jaw issues. This directly affects insurers and policyholders seeking treatment for these specific facial/head/joint conditions.