STATE OF NEW YORK ________________________________________________________________________ 1403 2023-2024 Regular Sessions IN ASSEMBLY January 17, 2023 ___________ Introduced by M. of A. HUNTER, STIRPE, JACKSON -- read once and referred to the Committee on Insurance AN ACT to amend the insurance law, in relation to insurance coverage of comprehensive annual medical examinations for firefighters The People of the State of New York, represented in Senate and Assem- bly, do enact as follows: 1 Section 1. Subsection (i) of section 3216 of the insurance law is 2 amended by adding a new paragraph 39 to read as follows: 3 (39)(A) Every policy which provides medical, major medical, or similar 4 comprehensive-type coverage shall provide coverage for comprehensive 5 annual medical exams for insured individuals who are firefighters. Such 6 comprehensive annual medical exam coverage shall include: 7 (i) a detailed symptom health history including headaches, skin rash- 8 es, intestinal or respiratory symptoms, weakness, and cognitive dysfunc- 9 tion; 10 (ii) an in person physical exam including cardiovascular, skin, 11 thyroid, mouth, pulmonary, intestinal, urinary, lymph node, neurologi- 12 cal, musculoskeletal, breast and testes, as applicable, examination; 13 (iii) vital signs and body measures tested and recorded including 14 blood pressure, oxygen saturation, heart and respiratory rate, weight, 15 height and body fat percentage; 16 (iv) laboratory assessments including: 17 a. comprehensive metabolic panel, complete blood count with differen- 18 tial, lipid panel, thyroid stimulating hormone, high-sensitivity c-reac- 19 tive protein, and hemoglobin A1c blood tests; and 20 b. urinalysis for pH, glucose, ketones, protein, blood and bilirubin, 21 and microscopic assessment for white blood cells, red blood cells, white 22 blood cell casts, red blood cell casts, and crystals; 23 (v) spirometry; 24 (vi) cancer screening, including, digital rectal exam for individuals 25 with prostate-specific antigen, cervical exam with Pap test, breast EXPLANATION--Matter in italics (underscored) is new; matter in brackets [] is old law to be omitted. LBD05695-01-3A. 1403 2 1 exam, respirator fit test, colonoscopies beginning at forty-five years 2 of age or earlier depending on family history, mammograms beginning at 3 age forty or earlier depending on family history, and low dose computed 4 tomography depending on age, smoking history, forced expiratory volume 5 (FEV1), family history of lung cancer, obstructive lung disease and 6 history of pneumonia; and 7 (vii) a stress electrocardiogram with maximal oxygen uptake calcu- 8 lated. 9 (B) Notwithstanding the requirements for comprehensive annual medical 10 exam coverage pursuant to subparagraph (A) of this paragraph, such 11 coverage shall additionally include a chest x-ray every five years and 12 any additional testing determined necessary by the commissioner of 13 health. 14 (C) An insured shall identify his or her profession as a firefighter 15 and years of service to his or her primary care provider to receive such 16 comprehensive annual medical examination pursuant to this paragraph. 17 (D) As used in this paragraph the term "firefighter" means any fire- 18 fighter regularly employed by a fire department of any municipality in 19 the state. 20 § 2. Subsection (l) of section 3221 of the insurance law is amended by 21 adding a new paragraph 22 to read as follows: 22 (22)(A) Every policy which provides medical, major medical, or similar 23 comprehensive-type coverage shall provide coverage for comprehensive 24 annual medical exams for insured individuals who are firefighters. Such 25 comprehensive annual medical exam coverage shall include: 26 (i) a detailed symptom health history including headaches, skin rash- 27 es, intestinal or respiratory symptoms, weakness, and cognitive dysfunc- 28 tion; 29 (ii) an in person physical exam including cardiovascular, skin, 30 thyroid, mouth, pulmonary, intestinal, urinary, lymph node, neurologi- 31 cal, musculoskeletal, breast and testes, as applicable, examination; 32 (iii) vital signs and body measures tested and recorded including 33 blood pressure, oxygen saturation, heart and respiratory rate, weight, 34 height and body fat percentage; 35 (iv) laboratory assessments including: 36 a. comprehensive metabolic panel, complete blood count with differen- 37 tial, lipid panel, thyroid stimulating hormone, high-sensitivity c-reac- 38 tive protein, and hemoglobin A1c blood tests; and 39 b. urinalysis for pH, glucose, ketones, protein, blood and bilirubin, 40 and microscopic assessment for white blood cells, red blood cells, white 41 blood cell casts, red blood cell casts, and crystals; 42 (v) spirometry; 43 (vi) cancer screening, including, digital rectal exam for individuals 44 with prostate-specific antigen, cervical exam with Pap test, breast 45 exam, respirator fit test, colonoscopies beginning at forty-five years 46 of age or earlier depending on family history, mammograms beginning at 47 age forty or earlier depending on family history, and low dose computed 48 tomography depending on age, smoking history, forced expiratory volume 49 (FEV1), family history of lung cancer, obstructive lung disease and 50 history of pneumonia; and 51 (vii) a stress electrocardiogram with maximal oxygen uptake calcu- 52 lated. 53 (B) Notwithstanding the requirements for comprehensive annual medical 54 exam coverage pursuant to subparagraph (A) of this paragraph, such 55 coverage shall additionally include a chest x-ray every five years andA. 1403 3 1 any additional testing determined necessary by the commissioner of 2 health. 3 (C) An insured shall identify his or her profession as a firefighter 4 and years of service to his or her primary care provider to receive such 5 comprehensive annual medical examination pursuant to this paragraph. 6 (D) As used in this paragraph the term "firefighter" means any fire- 7 fighter regularly employed by a fire department of any municipality in 8 the state. 9 § 3. Section 4303 of the insurance law is amended by adding a new 10 subsection (l-3) to read as follows: 11 (l-3)(A) Every contract which provides medical, major medical, or 12 similar comprehensive-type coverage shall provide coverage for compre- 13 hensive annual medical exams for insured individuals who are firefight- 14 ers. Such comprehensive annual medical exam coverage shall include: 15 (i) a detailed symptom health history including headaches, skin rash- 16 es, intestinal or respiratory symptoms, weakness, and cognitive dysfunc- 17 tion; 18 (ii) an in person physical exam including cardiovascular, skin, 19 thyroid, mouth, pulmonary, intestinal, urinary, lymph node, neurologi- 20 cal, musculoskeletal, breast and testes, as applicable, examination; 21 (iii) vital signs and body measures tested and recorded including 22 blood pressure, oxygen saturation, heart and respiratory rate, weight, 23 height and body fat percentage; 24 (iv) laboratory assessments including: 25 a. comprehensive metabolic panel, complete blood count with differen- 26 tial, lipid panel, thyroid stimulating hormone, high-sensitivity c-reac- 27 tive protein, and hemoglobin A1c blood tests; and 28 b. urinalysis for pH, glucose, ketones, protein, blood and bilirubin, 29 and microscopic assessment for white blood cells, red blood cells, white 30 blood cell casts, red blood cell casts, and crystals; 31 (v) spirometry; 32 (vi) cancer screening, including, digital rectal exam for individuals 33 with prostate-specific antigen, cervical exam with Pap test, breast 34 exam, respirator fit test, colonoscopies beginning at forty-five years 35 of age or earlier depending on family history, mammograms beginning at 36 age forty or earlier depending on family history, and low dose computed 37 tomography depending on age, smoking history, forced expiratory volume 38 (FEV1), family history of lung cancer, obstructive lung disease and 39 history of pneumonia; and 40 (vii) a stress electrocardiogram with maximal oxygen uptake calcu- 41 lated. 42 (B) Notwithstanding the requirements for comprehensive annual medical 43 exam coverage pursuant to paragraph (A) of this subsection, such cover- 44 age shall additionally include a chest x-ray every five years and any 45 additional testing determined necessary by the commissioner of health. 46 (C) An insured shall identify his or her profession as a firefighter 47 and years of service to his or her primary care provider to receive such 48 comprehensive annual medical examination pursuant to this subsection. 49 (D) As used in this subsection the term "firefighter" means any fire- 50 fighter regularly employed by a fire department of any municipality in 51 the state. 52 § 4. This act shall take effect immediately and shall apply to poli- 53 cies and contracts issued, renewed, modified, altered or amended on and 54 after such date.