Insurance; health benefit plans; scalp cooling systems; notice of coverage; Insurance Commissioner; effective date.

HB 3912 requires health insurance plans in Oklahoma (including the State and Education Employees Group Health Insurance Plan) to cover scalp cooling systems for cancer patients undergoing chemotherapy to prevent hair loss, including the cost of the system, supplies, and monitoring. The bill specifies that scalp cooling is considered supportive cancer care, not cosmetic or experimental, and coverage remains subject to standard cost-sharing like other benefits. Plans must notify enrollees about this coverage by December 1, 2026, and the law excludes small employer plans (50 or fewer employees) and federal health plans, while also mandating Oklahoma Medicaid cover scalp cooling for eligible recipients. The bill takes effect on November 1, 2026.