Bill > S05263

This bill amends the New York insurance law to eliminate preauthorization requirements for outpatient diagnosis and treatment of substance use disorder across different types of health insurance policies. Specifically, the bill requires that insurance policies providing medical or comprehensive-type coverage must offer outpatient substance use disorder services, including detoxification and rehabilitation, without requiring prior approval from the insurance company before treatment. The bill further stipulates that these substance use disorder benefits cannot have more restrictive financial requirements or treatment limitations compared to the insurance company's medical and surgical benefits. By removing preauthorization barriers, the bill aims to make substance use disorder treatment more accessible and reduce administrative obstacles that might prevent individuals from seeking necessary mental health and addiction services. The changes will apply to all insurance policies issued, renewed, modified, altered, or amended after the bill's effective date, which is immediate upon passage.

Business and Industry, Health and Social Services

https://www.nysenate.gov/legislation/bills/2025/S5263