Senate Bill S3159

Signed By Governor
2019-2020 Legislative Session

Prohibits unfair discrimination by insurers for individuals that use prescriptions to block the effects of opioids

download bill text pdf

Sponsored By

Archive: Last Bill Status - Signed by Governor

  • Introduced
    • In Committee Assembly
    • In Committee Senate
    • On Floor Calendar Assembly
    • On Floor Calendar Senate
    • Passed Assembly
    • Passed Senate
  • Delivered to Governor
  • Signed By Governor

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Bill Amendments

2019-S3159 - Details

See Assembly Version of this Bill:
A5952
Law Section:
Insurance Law
Laws Affected:
Amd §4224, Ins L

2019-S3159 - Summary

Prohibits unfair discrimination by insurers for individuals that use prescriptions to block the effects of opioids.

2019-S3159 - Sponsor Memo

2019-S3159 - Bill Text download pdf 

                            
 
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   3159
 
                        2019-2020 Regular Sessions
 
                             I N  S E N A T E
 
                             February 4, 2019
                                ___________
 
 Introduced  by Sen. HARCKHAM -- 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  prohibiting  insurers
   from  denying  life  insurance to individuals who have been prescribed
   medication used to block the effects of opioids

   THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section 1. Paragraph 1 of subsection (a) of section 4224 of the insur-
 ance  law,  as amended by chapter 713 of the laws of 1994, is amended to
 read as follows:
   (1) make or permit any unfair discrimination  between  individuals  of
 the  same  class  and  of  equal  expectation  of life, in the amount or
 payment or return of premiums, or rates charged  for  policies  of  life
 insurance  or  annuity  contracts, or in the dividends or other benefits
 payable thereon, or in any of the  terms  and  conditions  thereof.  FOR
 PURPOSES  OF  THIS PARAGRAPH, IT SHALL BE UNFAIR DISCRIMINATION FOR SUCH
 LIFE INSURANCE COMPANY OR SAVINGS AND INSURANCE BANK TO DENY LIFE INSUR-
 ANCE COVERAGE OR ADJUST THE AMOUNT OR PAYMENT OR RETURN OF PREMIUMS,  OR
 RATES  CHARGED  FOR  POLICIES OF LIFE INSURANCE OR ANNUITY CONTRACTS FOR
 ANY INDIVIDUAL SOLELY BECAUSE SUCH INDIVIDUAL HAS BEEN PRESCRIBED  MEDI-
 CATION  USED TO BLOCK THE EFFECTS OF OPIOIDS, INCLUDING, BUT NOT LIMITED
 TO, NALOXONE AND NARCAN;
   § 2. This act shall take effect immediately.
 
 
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD08725-02-9

co-Sponsors

2019-S3159A (ACTIVE) - Details

See Assembly Version of this Bill:
A5952
Law Section:
Insurance Law
Laws Affected:
Amd §4224, Ins L

2019-S3159A (ACTIVE) - Summary

Prohibits unfair discrimination by insurers for individuals that use prescriptions to block the effects of opioids.

2019-S3159A (ACTIVE) - Sponsor Memo

2019-S3159A (ACTIVE) - Bill Text download pdf 

                            
 
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                  3159--A
 
                        2019-2020 Regular Sessions
 
                             I N  S E N A T E
 
                             February 4, 2019
                                ___________
 
 Introduced  by Sen. HARCKHAM -- read twice and ordered printed, and when
   printed to be committed to the Committee  on  Insurance  --  committee
   discharged, bill amended, ordered reprinted as amended and recommitted
   to said committee
 
 AN  ACT to amend the insurance law, in relation to unfair discrimination
   by insurers for the use of  prescriptions  to  block  the  effects  of
   opioids
 
   THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section 1. The insurance law is amended by adding a new  section  2617
 to read as follows:
   §  2617.  UNFAIR  DISCRIMINATION FOR THE USE OF PRESCRIPTIONS TO BLOCK
 THE EFFECTS OF OPIOIDS. NO INSURER OR ENTITY  AUTHORIZED  TO  ISSUE  THE
 KINDS  OF INSURANCE SPECIFIED IN PARAGRAPHS ONE OR TWO OF SUBSECTION (A)
 OF SECTION ONE THOUSAND ONE  HUNDRED  THIRTEEN  OF  THIS  CHAPTER  SHALL
 REFUSE  TO  ISSUE  A LIFE INSURANCE POLICY OR ANNUITY CONTRACT OR ADJUST
 THE AMOUNT OF PREMIUMS, OR RATES, CHARGED FOR LIFE INSURANCE POLICIES OR
 ANNUITY CONTRACTS FOR ANY INDIVIDUAL SOLELY BECAUSE SUCH INDIVIDUAL  HAS
 BEEN PRESCRIBED MEDICATION USED TO BLOCK THE EFFECTS OF OPIOIDS, INCLUD-
 ING,  BUT  NOT  LIMITED  TO,  NALOXONE AND NARCAN, UNLESS SUCH ACTION IS
 BASED ON SOUND ACTUARIAL PRINCIPLES OR ACTUAL OR REASONABLY  ANTICIPATED
 EXPERIENCE.
   § 2. This act shall take effect immediately.
 
 
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD08725-03-9

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