Bill Text: NY S02907 | 2009-2010 | General Assembly | Introduced

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Bill Title: Requires major medical or similar comprehensive-type coverage insurance policies to cover the purchase of cranial prostheses worn for permanent or temporary hair loss resulting from accident, injury or disease, or the treatment of such conditions and prescribed by the treating physician or other licensed health care provider legally authorized to prescribe under title eight of the education law.

Spectrum: Partisan Bill (Republican 1-0)

Status: (Introduced - Dead) 2010-01-06 - REFERRED TO INSURANCE [S02907 Detail]

Download: New_York-2009-S02907-Introduced.html

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                           S T A T E   O F   N E W   Y O R K
       ________________________________________________________________________
                                         2907
                              2009-2010 Regular Sessions
                                   I N  S E N A T E
                                     March 5, 2009
                                      ___________
       Introduced  by Sen. FLANAGAN -- read twice and ordered printed, and when
         printed to be committed to the Committee on Insurance
       AN ACT to amend the insurance law, in relation to  requiring  individual
         and  group or blanket accident or health insurance policies and hospi-
         tal service corporations, health  service  corporations,  and  medical
         indemnity  corporations,  which  provide hospital, surgical or medical
         coverage to include coverage for the purchase  of  cranial  prostheses
         when prescribed as medically necessary
         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 26 to read as follows:
    3    (26) (A) EVERY INDIVIDUAL POLICY WHICH PROVIDES MAJOR MEDICAL OR SIMI-
    4  LAR  COMPREHENSIVE-TYPE COVERAGE SHALL INCLUDE COVERAGE FOR THE PURCHASE
    5  OF CRANIAL PROSTHESES WORN FOR PERMANENT OR TEMPORARY HAIR LOSS SUFFERED
    6  AS A RESULT OF ACCIDENT, INJURY OR DISEASE, OR  THE  TREATMENT  OF  SUCH
    7  CONDITIONS,  PROVIDED  THAT  THE  TREATING  PHYSICIAN  OR OTHER LICENSED
    8  HEALTH CARE PROVIDER LEGALLY AUTHORIZED TO PRESCRIBE UNDER  TITLE  EIGHT
    9  OF THE EDUCATION LAW ISSUES A WRITTEN ORDER FOR SUCH PURCHASE TO SIGNIFY
   10  HIS  OR HER OPINION THAT SUCH PURCHASE IS MEDICALLY NECESSARY TO PROMOTE
   11  THE PATIENT'S PHYSICAL OR PSYCHOLOGICAL WELL-BEING  OR  TO  PROMOTE  THE
   12  HEALING PROCESS.
   13    (B)  SUCH COVERAGE MAY BE SUBJECT TO SUCH ANNUAL DEDUCTIBLES AND COIN-
   14  SURANCE AS DEEMED APPROPRIATE BY THE SUPERINTENDENT AND AS ARE  CONSIST-
   15  ENT  WITH  THOSE  REQUIRED  FOR  OTHER BENEFITS UNDER THE POLICY.   SUCH
   16  COVERAGE MAY BE LIMITED TO ONE CRANIAL PROSTHESIS PER COVERED PERSON FOR
   17  THE LIFETIME OF THE POLICY.
   18    S 2. Subsection (k) of section 3221 of the insurance law is amended by
   19  adding a new paragraph 15 to read as follows:
   20    (15) (A) EVERY GROUP OR BLANKET POLICY WHICH PROVIDES MAJOR MEDICAL OR
   21  SIMILAR COMPREHENSIVE-TYPE  COVERAGE  SHALL  INCLUDE  COVERAGE  FOR  THE
        EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                             [ ] is old law to be omitted.
                                                                  LBD06541-01-9
       S. 2907                             2
    1  PURCHASE OF CRANIAL PROSTHESES WORN FOR PERMANENT OR TEMPORARY HAIR LOSS
    2  SUFFERED AS A RESULT OF ACCIDENT, INJURY OR DISEASE, OR THE TREATMENT OF
    3  SUCH  CONDITIONS, PROVIDED THAT THE TREATING PHYSICIAN OR OTHER LICENSED
    4  HEALTH  CARE  PROVIDER LEGALLY AUTHORIZED TO PRESCRIBE UNDER TITLE EIGHT
    5  OF THE EDUCATION LAW ISSUES A WRITTEN ORDER FOR SUCH PURCHASE TO SIGNIFY
    6  HIS OR HER OPINION THAT SUCH PURCHASE IS MEDICALLY NECESSARY TO  PROMOTE
    7  THE  PATIENT'S  PHYSICAL  OR  PSYCHOLOGICAL WELL-BEING OR TO PROMOTE THE
    8  HEALING PROCESS.
    9    (B) SUCH COVERAGE MAY BE SUBJECT TO SUCH ANNUAL DEDUCTIBLES AND  COIN-
   10  SURANCE  AS DEEMED APPROPRIATE BY THE SUPERINTENDENT AND AS ARE CONSIST-
   11  ENT WITH THOSE REQUIRED FOR OTHER  BENEFITS  UNDER  THE  POLICY.    SUCH
   12  COVERAGE MAY BE LIMITED TO ONE CRANIAL PROSTHESIS PER COVERED PERSON FOR
   13  THE LIFETIME OF THE POLICY.
   14    S  3.  Section  4303  of  the insurance law is amended by adding a new
   15  subsection (ff) to read as follows:
   16    (FF)(1)  EVERY  CONTRACT  ISSUED  BY  A  CORPORATION  SUBJECT  TO  THE
   17  PROVISIONS  OF  THIS  ARTICLE  WHICH  PROVIDES  MAJOR MEDICAL OR SIMILAR
   18  COMPREHENSIVE-TYPE COVERAGE, SHALL INCLUDE COVERAGE FOR THE PURCHASE  OF
   19  CRANIAL PROSTHESES WORN FOR PERMANENT OR TEMPORARY HAIR LOSS SUFFERED AS
   20  A RESULT OF ACCIDENT, INJURY OR DISEASE, OR THE TREATMENT OF SUCH CONDI-
   21  TIONS,  PROVIDED  THAT  THE  TREATING PHYSICIAN OR OTHER LICENSED HEALTH
   22  CARE PROVIDER LEGALLY AUTHORIZED TO PRESCRIBE UNDER TITLE EIGHT  OF  THE
   23  EDUCATION LAW ISSUES A WRITTEN ORDER FOR SUCH PURCHASE TO SIGNIFY HIS OR
   24  HER  OPINION  THAT  SUCH  PURCHASE IS MEDICALLY NECESSARY TO PROMOTE THE
   25  PATIENT'S PHYSICAL OR PSYCHOLOGICAL WELL-BEING OR TO PROMOTE THE HEALING
   26  PROCESS.
   27    (2) SUCH COVERAGE MAY BE SUBJECT TO SUCH ANNUAL DEDUCTIBLES AND  COIN-
   28  SURANCE  AS DEEMED APPROPRIATE BY THE SUPERINTENDENT AND AS ARE CONSIST-
   29  ENT WITH THOSE REQUIRED FOR OTHER  BENEFITS  UNDER  THE  POLICY.    SUCH
   30  COVERAGE MAY BE LIMITED TO ONE CRANIAL PROSTHESIS PER COVERED PERSON FOR
   31  THE LIFETIME OF THE POLICY.
   32    S  4.  This  act shall take effect on the ninetieth day after it shall
   33  have become a law and shall apply according to its terms  to  all  poli-
   34  cies,  contracts  and certificates issued, renewed, modified, altered or
   35  amended on or after such date.