Bill > S02648

This bill mandates that dental insurance policies in New York, including individual, group, and commercial policies, must provide coverage for dental night guards when prescribed by a licensed dentist. The bill defines a night guard as a protective device for the mouth that covers the teeth and gums to prevent and reduce injury to the teeth, arches, lips, and gums. The legislation applies to various types of insurance policies, including those regulated under sections 3216, 3221, and 4303 of the insurance law, and extends to Medicaid coverage under the social services law. The new requirement will apply to all insurance policies issued, renewed, modified, altered, or amended on or after the bill's effective date, ensuring that patients have access to these protective dental devices with insurance coverage. This change aims to improve dental health by making night guards more accessible and affordable for individuals who may need them to prevent dental injuries or manage conditions like teeth grinding.

Budget and Finance, Business and Industry

https://www.nysenate.gov/legislation/bills/2025/S2648