Bill > A05939

This bill modifies insurance law to change coverage requirements for various healthcare services, with several key provisions. The bill allows insurers to potentially apply annual deductibles and coinsurance to primary and preventive obstetric and gynecological care, which previously were prohibited from such charges. It updates language to make cervical cancer screening coverage gender-neutral, referring to "people" with a cervix instead of just "women". The bill also expands provisions related to bone density testing by including both detection and treatment of osteoporosis. A significant addition is a comprehensive section on contraceptive drug coverage, which mandates that insurance contracts include coverage for FDA-approved contraceptive drugs and devices, with specific provisions for religious organizations that may object to such coverage. The bill allows group policyholders who opt out of contraceptive coverage to enable individual enrollees to directly purchase a rider for such coverage. The changes will apply to all insurance policies issued, renewed, modified, or altered sixty days after the bill becomes law, with some specific timing considerations for certain sections. Overall, the bill aims to enhance and clarify insurance coverage for women's and reproductive health services.

Business and Industry

https://www.nysenate.gov/legislation/bills/2025/A5939