S T A T E O F N E W Y O R K
________________________________________________________________________
704--A
2017-2018 Regular Sessions
I N S E N A T E
January 4, 2017
___________
Introduced by Sens. ORTT, CARLUCCI, HAMILTON -- read twice and ordered
printed, and when printed to be committed to the Committee on Insur-
ance -- recommitted to the Committee on Insurance in accordance with
Senate Rule 6, sec. 8 -- committee discharged, bill amended, ordered
reprinted as amended and recommitted to said committee
AN ACT to amend the insurance law, in relation to mandatory health
insurance coverage for providing prosthetic devices
THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
BLY, DO ENACT AS FOLLOWS:
Section 1. Subsection (i) of section 3216 of the insurance law is
amended by adding a new paragraph 34 to read as follows:
(34) EVERY POLICY WHICH PROVIDES MEDICAL, MAJOR MEDICAL, OR SIMILAR
COMPREHENSIVE TYPE COVERAGE TO A POLICYHOLDER SHALL PROVIDE COVERAGE FOR
PROSTHETIC DEVICES THAT ARE INTENDED FOR MEDIALLY NECESSARY REHABILITA-
TIVE AND HABILITATIVE PURPOSES AS REQUIRED BY 42 U.S.C. § 18022. COVER-
AGE SHALL INCLUDE THE COST OF REPAIR OR REPLACEMENT OF PROSTHETIC
DEVICES DUE TO NORMAL WEAR AND TEAR, IF A PROSTHETIC DEVICE HAS BEEN
OUTGROWN OR NO LONGER FITS PROPERLY, OR WHERE A CHANGE IN THE MEDICAL
CONDITION MAKES REPLACEMENT NECESSARY. COVERAGE SHALL NOT INCLUDE THE
COSTS OF REPAIR OR REPLACEMENT OF A PROSTHETIC DEVICE THAT IS COVERED
UNDER THE WARRANTY OF THE MANUFACTURE OR WHEN THE REPAIR OR REPLACEMENT
IS NECESSARY DUE TO MISUSE OR NEGLIGENCE. THE TERM "PROSTHETIC DEVICE"
AS USED IN THIS PARAGRAPH INCLUDES AN ARTIFICIAL LIMB, BUT SHALL NOT
INCLUDE SHOES OR ANY OTHER ARTICLE CONSIDERED AS ORDINARY WEARING
APPAREL, WHETHER OR NOT SPECIFICALLY CONSTRUCTED. THE TERM "POLICYHOLD-
ER" AS USED IN THIS PARAGRAPH SHALL MEAN A VETERAN OF THE ARMED FORCES
WHO RESIDES IN THE STATE OF NEW YORK AND WHOSE MEDICAL NEED FOR SUCH
PROSTHETIC DEVICE RESULTED FROM AN INJURY SUFFERED WHILE IN ACTIVE DUTY
SERVING IN THE ARMED FORCES. SUCH COVERAGE SHALL BE SUBJECT TO ANNUAL
DEDUCTIBLES AND COINSURANCE AS DEEMED APPROPRIATE BY THE SUPERINTENDENT.
THE COVERAGE REQUIRED BY THIS PARAGRAPH SHALL BE IDENTICAL TO, AND SHALL
EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
[ ] is old law to be omitted.
LBD04583-02-8
S. 704--A 2
NOT ENHANCE OR INCREASE THE ESSENTIAL HEALTH BENEFIT COVERAGE CHOSEN BY
THE STATE PURSUANT TO 45 CFR 156.100. NOTHING IN THIS PARAGRAPH SHALL BE
CONSTRUED TO PREVENT THE MEDICAL MANAGEMENT OR UTILIZATION REVIEW OF
BENEFITS FOR MEDICALLY NECESSARY REHABILITATIVE AND HABILITATIVE
PURPOSES.
§ 2. Subsection (l) of section 3221 of the insurance law is amended by
adding a new paragraph 20 to read as follows:
(20) EVERY POLICY WHICH PROVIDES MEDICAL, MAJOR MEDICAL, OR SIMILAR
COMPREHENSIVE TYPE COVERAGE TO A POLICYHOLDER SHALL PROVIDE COVERAGE FOR
PROSTHETIC DEVICES THAT ARE INTENDED FOR MEDICALLY NECESSARY REHABILITA-
TIVE AND HABILITATIVE PURPOSES AS REQUIRED BY 42 U.S.C. § 18022. COVER-
AGE SHALL INCLUDE THE COST OF REPAIR OR REPLACEMENT OF PROSTHETIC
DEVICES DUE TO NORMAL WEAR AND TEAR, IF A PROSTHETIC DEVICE HAS BEEN
OUTGROWN OR NO LONGER FITS PROPERLY, OR WHERE A CHANGE IN THE MEDICAL
CONDITION MAKES REPLACEMENT NECESSARY. COVERAGE SHALL NOT INCLUDE THE
COSTS OF REPAIR OR REPLACEMENT OF A PROSTHETIC DEVICE THAT IS COVERED
UNDER THE WARRANTY OF THE MANUFACTURER OR WHEN THE REPAIR OR REPLACEMENT
IS NECESSARY DUE TO MISUSE OR NEGLIGENCE. THE TERM "PROSTHETIC DEVICE"
AS USED IN THIS PARAGRAPH INCLUDES AN ARTIFICIAL LIMB, BUT SHALL NOT
INCLUDE SHOES OR ANY OTHER ARTICLE CONSIDERED AS ORDINARY WEARING
APPAREL, WHETHER OR NOT SPECIFICALLY CONSTRUCTED. THE TERM "POLICYHOLD-
ER" AS USED IN THIS PARAGRAPH SHALL MEAN A VETERAN OF THE ARMED FORCES
WHO RESIDES IN THE STATE OF NEW YORK AND WHOSE MEDICAL NEED FOR SUCH
PROSTHETIC DEVICE RESULTED FROM AN INJURY SUFFERED WHILE ON ACTIVE DUTY
SERVING IN THE ARMED FORCES. SUCH COVERAGE SHALL BE SUBJECT TO ANNUAL
DEDUCTIBLES AND COINSURANCE AS DEEDED APPROPRIATE BY THE SUPERINTENDENT.
THE COVERAGE REQUIRED BY THIS PARAGRAPH SHALL BE IDENTICAL TO, AND SHALL
NOT ENHANCE OR INCREASE THE ESSENTIAL HEALTH BENEFIT COVERAGE CHOSEN BY
THE STATE PURSUANT TO 45 CFR 156.100. NOTHING IN THIS PARAGRAPH SHALL BE
CONSTRUED TO PREVENT THE MEDICAL MANAGEMENT OR UTILIZATION REVIEW OF
BENEFITS FOR MEDICALLY NECESSARY REHABILITATIVE AND HABILITATIVE
PURPOSES.
§ 3. Section 4303 of the insurance law is amended by adding a new
subsection (rr) to read as follows:
(RR) EVERY POLICY WHICH PROVIDES MEDICAL, MAJOR MEDICAL, OR SIMILAR
COMPREHENSIVE TYPE COVERAGE TO A POLICYHOLDER SHALL PROVIDE COVERAGE FOR
PROSTHETIC DEVICES THAT ARE INTENDED FOR MEDICALLY NECESSARY REHABILITA-
TIVE AND HABILITATIVE PURPOSES AS REQUIRED BY 42 U.S.C. § 18022. COVER-
AGE SHALL INCLUDE THE COST OF REPAIR OR REPLACEMENT OF PROSTHETIC
DEVICES DUE TO NORMAL WEAR AND TEAR, IF A PROSTHETIC DEVICE HAS BEEN
OUTGROWN OR NO LONGER FITS PROPERLY, OR WHERE A CHANGE IN THE MEDICAL
CONDITION MAKES REPLACEMENT NECESSARY. COVERAGE SHALL NOT INCLUDE THE
COSTS OF REPAIR OR REPLACEMENT OF A PROSTHETIC DEVICE THAT IS COVERED
UNDER THE WARRANTY OF THE MANUFACTURER OR WHEN THE REPAIR OR REPLACEMENT
IS NECESSARY DUE TO MISUSE OR NEGLIGENCE. THE TERM "PROSTHETIC DEVICE"
AS USED IN THIS SUBSECTION INCLUDES AN ARTIFICIAL LIMB, BUT SHALL NOT
INCLUDE SHOES OR ANY OTHER ARTICLE CONSIDERED AS ORDINARY WEARING
APPAREL, WHETHER OR NOT SPECIFICALLY CONSTRUCTED. THE TERM "POLICYHOLD-
ER" AS USED IN THIS SUBSECTION SHALL MEAN A VETERAN OF THE ARMED FORCES
WHO RESIDES IN THE STATE OF NEW YORK AND WHOSE MEDICAL NEED FOR SUCH
PROSTHETIC DEVICE RESULTED FROM AN INJURY SUFFERED WHILE ON ACTIVE DUTY
SERVING IN THE ARMED FORCES. SUCH COVERAGE SHALL BE SUBJECT TO ANNUAL
DEDUCTIBLES AND COINSURANCE AS DEEMED APPROPRIATE BY THE SUPERINTENDENT.
THE COVERAGE REQUIRED BY THIS SUBSECTION SHALL BE IDENTICAL TO, AND
SHALL NOT ENHANCE OR INCREASE THE ESSENTIAL HEALTH BENEFIT COVERAGE
CHOSEN BY THE STATE PURSUANT TO 45 CFR 156.100. NOTHING IN THIS
S. 704--A 3
SUBSECTION SHALL BE CONSTRUED TO PREVENT THE MEDICAL MANAGEMENT OR
UTILIZATION REVIEW OF BENEFITS FOR MEDICALLY NECESSARY REHABILITATION
AND HABILITATION PURPOSE.
§ 4. This act shall take effect on the one hundred eightieth day after
it shall have become a law and shall apply to policies and contracts
issued, renewed, modified, altered or amended on or after such effective
date.