Bill > S08265

This bill requires large group insurance policies to provide coverage for backup cochlear implant devices for patients throughout their treatment, addressing a current gap in insurance coverage. The legislation mandates that insurers cover a backup device (an additional set of external components, including a processor) when prescribed by a licensed healthcare practitioner, for patients with severe to profound sensorineural hearing loss. The coverage must be provided as long as the patient is actively using the cochlear implant, including during upgrades and replacements, which was previously not available after the initial implantation. The backup device coverage can be subject to standard policy deductibles, copayments, and coinsurance, and is designed to ensure that individuals relying on cochlear implants have continuous access to these critical devices that help them hear, communicate, and maintain their quality of life. The bill will take effect on January 1, 2027, and will apply to all insurance policies issued, renewed, or modified on or after that date.

Budget and Finance, Business and Industry

https://www.nysenate.gov/legislation/bills/2025/S8265