Expanding access to PANDAS PANS treatment.

This bill requires most health insurance plans (excluding public employee plans) to cover intravenous immunoglobulin therapy for children diagnosed with PANDAS (pediatric autoimmune neuropsychiatric disorders associated with streptococcal infections) or PANS (pediatric acute-onset neuropsychiatric syndrome) starting January 2027. It mandates coverage for three initial monthly treatment courses and ongoing care as medically necessary, after less intensive treatments fail or aren't tolerated. The law prohibits insurers from denying coverage based on prior treatment history, diagnostic name changes, requiring ineffective symptom-only therapies first, or restricting coverage inconsistent with medical guidelines. It also ensures coverage for out-of-state treatment when local care isn't available.