Bill > S04119

This bill mandates that health insurance policies in New York provide coverage for electrolysis procedures when they are deemed medically necessary, specifically including procedures related to gender-affirming treatment. The bill amends three sections of the insurance law to require that individual policies, group policies, and medical expense indemnity contracts must cover electrolysis hair removal procedures. These coverage requirements apply to medical, major medical, and comprehensive-type health insurance plans. The bill allows insurance providers to apply annual deductibles and co-insurance to these procedures, with the specific terms to be determined by the insurance superintendent. The new requirements will take effect 90 days after the bill becomes law and will apply to any insurance policies issued, renewed, modified, altered, or amended after that date. By mandating this coverage, the bill aims to ensure that individuals, particularly those undergoing gender-affirming treatments, have access to medically necessary hair removal procedures without facing significant financial barriers.

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https://www.nysenate.gov/legislation/bills/2025/S4119