S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                  2465--A
 
                        2023-2024 Regular Sessions
 
                             I N  S E N A T E
 
                             January 20, 2023
                                ___________
 
 Introduced  by  Sens.  PERSAUD,  CHU,  JACKSON, KENNEDY, MYRIE, PALUMBO,
   SEPULVEDA -- read twice and ordered printed, and when  printed  to  be
   committed  to the Committee on Insurance -- recommitted to the Commit-
   tee on Insurance in accordance with Senate Rule 6, sec. 8 --  reported
   favorably  from  said  committee  and  committed  to  the Committee on
   Finance -- committee discharged, bill amended,  ordered  reprinted  as
   amended and recommitted to said committee
 
 AN  ACT  to  amend  the  insurance  law  and the social services law, in
   relation to requiring certain insurance policies and Medicaid to allow
   patients a one hundred twenty-day window for additional  breast  exams
   when the provider deems another breast exam is needed
 
   THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section 1. Subparagraph (D) of  paragraph  11  of  subsection  (i)  of
 section 3216 of the insurance law, as amended by chapter 219 of the laws
 of 2011, is amended to read as follows:
   (D)  In  addition  to  subparagraph (A), (B) or (C) of this paragraph,
 every policy that provides coverage for hospital,  surgical  or  medical
 care,  except  for a grandfathered health plan under subparagraph (E) of
 this paragraph, shall provide coverage  for  the  following  mammography
 screening  services,  and  such  coverage shall not be subject to annual
 deductibles or coinsurance:
   (i) evidence-based items or services  for  mammography  that  have  in
 effect  a  rating  of  'A'  or 'B' in the current recommendations of the
 United States preventive services task force; [and]
   (ii) with respect  to  women,  such  additional  preventive  care  and
 screenings  for  mammography  not described in item (i) of this subpara-
 graph and as provided for in comprehensive guidelines supported  by  the
 health resources and services administration[.]; AND
   (III)  AN  ADDITIONAL  SCREENING  INCLUDING  A MAMMOGRAM, WHICH MAY BE
 PROVIDED BY BREAST TOMOSYNTHESIS, FOR COVERED PERSONS  WHOSE  MAMMOGRAM,
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD02639-06-4
              

 S. 2465--A                          2
 
 WHICH  OCCURRED  IN  THE  PREVIOUS  ONE  HUNDRED AND TWENTY DAYS, SHOWED
 ABNORMALITIES DUE TO DENSE BREAST, OR WHEN THE  PROVIDER  DEEMS  ANOTHER
 MAMMOGRAM IS NEEDED.
   §  2.  Subparagraph  (D)  of paragraph 11 of subsection (l) of section
 3221 of the insurance law, as amended by chapter  219  of  the  laws  of
 2011, is amended to read as follows:
   (D)  In  addition  to  subparagraph (A), (B) or (C) of this paragraph,
 every group or blanket  policy  that  provides  coverage  for  hospital,
 surgical  or  medical care, except for a grandfathered health plan under
 subparagraph (E) of this  paragraph,  shall  provide  coverage  for  the
 following mammography screening services, and such coverage shall not be
 subject to annual deductibles or coinsurance:
   (i)  evidence-based  items  or  services  for mammography that have in
 effect a rating of 'A' or 'B' in  the  current  recommendations  of  the
 United States preventive services task force; [and]
   (ii)  with  respect  to  women,  such  additional  preventive care and
 screenings for mammography not described in item (i)  of  this  subpara-
 graph  and  as provided for in comprehensive guidelines supported by the
 health resources and services administration[.]; AND
   (III) AN ADDITIONAL SCREENING INCLUDING  A  MAMMOGRAM,  WHICH  MAY  BE
 PROVIDED  BY  BREAST TOMOSYNTHESIS, FOR COVERED PERSONS WHOSE MAMMOGRAM,
 WHICH OCCURRED IN THE PREVIOUS  ONE  HUNDRED  AND  TWENTY  DAYS,  SHOWED
 ABNORMALITIES  DUE  TO  DENSE BREAST, OR WHEN THE PROVIDER DEEMS ANOTHER
 MAMMOGRAM IS NEEDED.
   § 3. Paragraph 3 of subsection (p) of section 4303  of  the  insurance
 law,  as added by chapter 219 of the laws of 2011, is amended to read as
 follows:
   (3) In addition to paragraph one or  two  of  this  subsection,  every
 contract  that provides coverage for hospital, surgical or medical care,
 except for a grandfathered health plan  under  paragraph  four  of  this
 subsection, shall provide coverage for the following mammography screen-
 ing  services,  and such coverage shall not be subject to annual deduct-
 ibles or coinsurance:
   (A) evidence-based items or services  for  mammography  that  have  in
 effect  a  rating  of  'A'  or 'B' in the current recommendations of the
 United States preventive services task force; [and]
   (B) with respect to women, such additional preventive care and screen-
 ings for mammography not described in subparagraph (A) of this paragraph
 and as provided for in comprehensive guidelines supported by the  health
 resources and services administration[.]; AND
   (C)  AN  ADDITIONAL  SCREENING  INCLUDING  A  MAMMOGRAM,  WHICH MAY BE
 PROVIDED BY BREAST TOMOSYNTHESIS, FOR COVERED PERSONS  WHOSE  MAMMOGRAM,
 WHICH  OCCURRED  IN  THE  PREVIOUS  ONE  HUNDRED AND TWENTY DAYS, SHOWED
 ABNORMALITIES DUE TO DENSE BREAST, OR WHEN THE  PROVIDER  DEEMS  ANOTHER
 MAMMOGRAM IS NEEDED.
   §  4.  Subdivision  2  of  section 365-a of the social services law is
 amended by adding a new paragraph (nn) to read as follows:
   (NN) A MAMMOGRAM, WHICH MAY BE PROVIDED BY BREAST  TOMOSYNTHESIS,  FOR
 COVERED  PERSONS  WHOSE  MAMMOGRAM,  WHICH  OCCURRED IN THE PREVIOUS ONE
 HUNDRED TWENTY DAYS, SHOWED ABNORMALITIES DUE TO DENSE  BREAST  OR  WHEN
 THE PROVIDER DEEMS ANOTHER MAMMOGRAM IS NEEDED.
   §  5.  This  act shall take effect January 1, 2026  and shall apply to
 all policies and contracts issued, renewed, modified, altered or amended
 on or after such date.

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                  2465--B
 
                        2023-2024 Regular Sessions
 
                             I N  S E N A T E
 
                             January 20, 2023
                                ___________
 
 Introduced  by Sens. PERSAUD, CHU, JACKSON, MYRIE, PALUMBO, SEPULVEDA --
   read twice and ordered printed, and when printed to  be  committed  to
   the  Committee  on Insurance -- recommitted to the Committee on Insur-
   ance in accordance with Senate Rule 6, sec. 8  --  reported  favorably
   from  said  committee  and  committed  to  the Committee on Finance --
   committee discharged, bill amended, ordered reprinted as  amended  and
   recommitted  to  said committee -- committee discharged, bill amended,
   ordered reprinted as amended and recommitted to said committee
 
 AN ACT to amend the insurance law,  in  relation  to  requiring  certain
   insurance  policies  allow  patients  additional screenings for breast
   cancer when the provider  deems  such  screening  is  necessary  under
   nationally recognized clinical practice guidelines
 
   THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section 1. Subparagraph (A) of  paragraph  11  of  subsection  (i)  of
 section 3216 of the insurance law, as amended by chapter 414 of the laws
 of 2017, is amended to read as follows:
   (A)  Every  policy  that  provides  coverage for hospital, surgical or
 medical care  shall  provide  the  following  coverage  for  mammography
 screening for occult breast cancer:
   (i)  upon the recommendation of a physician, a mammogram, which may be
 provided by breast tomosynthesis, at any age for covered persons  having
 a  prior  history  of  breast cancer or who have a first degree relative
 with a prior history of breast cancer;
   (ii) a single baseline mammogram, which  may  be  provided  by  breast
 tomosynthesis, for covered persons aged thirty-five through thirty-nine,
 inclusive; [and]
   (iii) an annual mammogram, which may be provided by breast tomosynthe-
 sis, for covered persons aged forty and older; AND
   (IV)  UPON THE RECOMMENDATION OF A PHYSICIAN, SCREENING AND DIAGNOSTIC
 IMAGING, INCLUDING DIAGNOSTIC MAMMOGRAMS, BREAST ULTRASOUNDS, OR MAGNET-

  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD02639-09-4
              

 S. 2465--B                          2
 
 IC RESONANCE IMAGING,  RECOMMENDED  BY  NATIONALLY  RECOGNIZED  CLINICAL
 PRACTICE GUIDELINES FOR THE DETECTION OF BREAST CANCER. FOR THE PURPOSES
 OF THIS ITEM, "NATIONALLY RECOGNIZED CLINICAL PRACTICE GUIDELINES" MEANS
 EVIDENCE-BASED  CLINICAL  PRACTICE  GUIDELINES  INFORMED BY A SYSTEMATIC
 REVIEW OF EVIDENCE AND AN ASSESSMENT  OF  THE  BENEFITS,  AND  RISKS  OF
 ALTERNATIVE  CARE OPTIONS INTENDED TO OPTIMIZE PATIENT CARE DEVELOPED BY
 INDEPENDENT ORGANIZATIONS OR MEDICAL PROFESSIONAL SOCIETIES UTILIZING  A
 TRANSPARENT  METHODOLOGY  AND REPORTING STRUCTURE AND WITH A CONFLICT OF
 INTEREST POLICY.
   § 2. Subparagraph (A) of paragraph 11 of  subsection  (l)  of  section
 3221  of  the  insurance  law,  as amended by chapter 143 of the laws of
 2019, is amended to read as follows:
   (A) Every insurer delivering a group or blanket policy  or  issuing  a
 group  or blanket policy for delivery in this state that provides cover-
 age for hospital, surgical or medical care shall provide  the  following
 coverage for mammography screening for occult breast cancer:
   (i)  upon the recommendation of a physician, a mammogram, which may be
 provided by breast tomosynthesis, at any age for covered persons  having
 a  prior  history  of  breast cancer or who have a first degree relative
 with a prior history of breast cancer;
   (ii) a single baseline mammogram, which  may  be  provided  by  breast
 tomosynthesis, for covered persons aged thirty-five through thirty-nine,
 inclusive;
   (iii) an annual mammogram, which may be provided by breast tomosynthe-
 sis, for covered persons aged forty and older; [and]
   (iv)  for  large  group  policies  that provide coverage for hospital,
 surgical or medical care, an annual mammogram for covered  persons  aged
 thirty-five through thirty-nine, inclusive, upon the recommendation of a
 physician,  subject to the insurer's determination that the mammogram is
 medically necessary; AND
   (V) UPON THE RECOMMENDATION OF A PHYSICIAN, SCREENING  AND  DIAGNOSTIC
 IMAGING, INCLUDING DIAGNOSTIC MAMMOGRAMS, BREAST ULTRASOUNDS, OR MAGNET-
 IC  RESONANCE  IMAGING,  RECOMMENDED  BY  NATIONALLY RECOGNIZED CLINICAL
 PRACTICE GUIDELINES FOR THE DETECTION OF BREAST CANCER. FOR THE PURPOSES
 OF THIS ITEM, "NATIONALLY RECOGNIZED CLINICAL PRACTICE GUIDELINES" MEANS
 EVIDENCE-BASED CLINICAL PRACTICE GUIDELINES  INFORMED  BY  A  SYSTEMATIC
 REVIEW  OF  EVIDENCE  AND  AN  ASSESSMENT  OF THE BENEFITS, AND RISKS OF
 ALTERNATIVE CARE OPTIONS INTENDED TO OPTIMIZE PATIENT CARE DEVELOPED  BY
 INDEPENDENT  ORGANIZATIONS OR MEDICAL PROFESSIONAL SOCIETIES UTILIZING A
 TRANSPARENT METHODOLOGY AND REPORTING STRUCTURE AND WITH A  CONFLICT  OF
 INTEREST POLICY.
   §  3.  Paragraph  1 of subsection (p) of section 4303 of the insurance
 law, as amended by chapter 219 of the laws of 2011, subparagraph (A)  as
 amended  by chapter 414 of the laws of 2017, and subparagraphs (B), (C),
 (D), and (E) as amended by chapter 143 of the laws of 2019,  is  amended
 to read as follows:
   (1) A medical expense indemnity corporation, a hospital service corpo-
 ration or a health service corporation that provides coverage for hospi-
 tal,  surgical  or medical care shall provide the following coverage for
 mammography screening for occult breast cancer:
   (A) upon the recommendation of a physician, a mammogram, which may  be
 provided  by breast tomosynthesis, at any age for covered persons having
 a prior history of breast cancer or who have  a  first  degree  relative
 with a prior history of breast cancer;
 S. 2465--B                          3
 
   (B) a single baseline mammogram, which may be provided by breast tomo-
 synthesis,  for  covered  persons  aged thirty-five through thirty-nine,
 inclusive;
   (C) an annual mammogram, which may be provided by breast tomosythesis,
 for covered persons aged forty and older;
   (D)  for  large group contracts offered by a medical expense indemnity
 corporation, a hospital service corporation or a health  service  corpo-
 ration  that provide coverage for hospital, surgical or medical care, an
 annual mammogram for covered persons aged  thirty-five  through  thirty-
 nine,  inclusive, upon the recommendation of a physician, subject to the
 corporation's determination that the mammogram is  medically  necessary;
 [and]
   (E)  UPON  THE RECOMMENDATION OF A PHYSICIAN, SCREENING AND DIAGNOSTIC
 IMAGING, INCLUDING DIAGNOSTIC MAMMOGRAMS, BREAST ULTRASOUNDS, OR MAGNET-
 IC RESONANCE IMAGING,  RECOMMENDED  BY  NATIONALLY  RECOGNIZED  CLINICAL
 PRACTICE GUIDELINES FOR THE DETECTION OF BREAST CANCER. FOR THE PURPOSES
 OF  THIS  SUBPARAGRAPH,  "NATIONALLY RECOGNIZED CLINICAL PRACTICE GUIDE-
 LINES" MEANS EVIDENCE-BASED CLINICAL PRACTICE GUIDELINES INFORMED  BY  A
 SYSTEMATIC  REVIEW  OF  EVIDENCE  AND AN ASSESSMENT OF THE BENEFITS, AND
 RISKS OF ALTERNATIVE CARE OPTIONS  INTENDED  TO  OPTIMIZE  PATIENT  CARE
 DEVELOPED BY INDEPENDENT ORGANIZATIONS OR MEDICAL PROFESSIONAL SOCIETIES
 UTILIZING  A  TRANSPARENT METHODOLOGY AND REPORTING STRUCTURE AND WITH A
 CONFLICT OF INTEREST POLICY; AND
   (F) The coverage required in this paragraph or paragraph two  of  this
 subsection shall not be subject to annual deductibles or coinsurance.
   §  4.  This  act shall take effect January 1, 2026  and shall apply to
 all policies and contracts issued, renewed, modified, altered or amended
 on or after such date.

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                  2465--C
 
                        2023-2024 Regular Sessions
 
                             I N  S E N A T E
 
                             January 20, 2023
                                ___________
 
 Introduced  by Sens. PERSAUD, CHU, JACKSON, MYRIE, PALUMBO, SEPULVEDA --
   read twice and ordered printed, and when printed to  be  committed  to
   the  Committee  on Insurance -- recommitted to the Committee on Insur-
   ance in accordance with Senate Rule 6, sec. 8  --  reported  favorably
   from  said  committee  and  committed  to  the Committee on Finance --
   committee discharged, bill amended, ordered reprinted as  amended  and
   recommitted  to  said committee -- committee discharged, bill amended,
   ordered reprinted as amended and  recommitted  to  said  committee  --
   committee  discharged,  bill amended, ordered reprinted as amended and
   recommitted to said committee
 
 AN ACT to amend the insurance law,  in  relation  to  requiring  certain
   insurance  policies  allow  patients  additional screenings for breast
   cancer when the provider  deems  such  screening  is  necessary  under
   nationally  recognized  clinical  practice  guidelines;  and to repeal
   certain provisions of such law relating thereto
 
   THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section 1. Subparagraphs (A) and (B) of paragraph 11 of subsection (i)
 of  section  3216  of  the insurance law, subparagraph (A) as amended by
 chapter 414 of the laws of 2017, and  subparagraph  (B)  as  amended  by
 chapter 74 of the laws of 2016, are amended to read as follows:
   (A)  Every  policy  that  provides  coverage for hospital, surgical or
 medical care  shall  provide  the  following  coverage  for  mammography
 screening for occult breast cancer:
   (i)  upon the recommendation of a physician, a mammogram, which may be
 provided by breast tomosynthesis, at any age for covered persons  having
 a  prior  history  of  breast cancer or who have a first degree relative
 with a prior history of breast cancer;
   (ii) a single baseline mammogram, which  may  be  provided  by  breast
 tomosynthesis, for covered persons aged thirty-five through thirty-nine,
 inclusive; [and]

  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD02639-11-4
              

 S. 2465--C                          2
 
   (iii) an annual mammogram, which may be provided by breast tomosynthe-
 sis, for covered persons aged forty and older; AND
   (IV)  UPON THE RECOMMENDATION OF A PHYSICIAN, SCREENING AND DIAGNOSTIC
 IMAGING, INCLUDING DIAGNOSTIC MAMMOGRAMS, BREAST ULTRASOUNDS, OR MAGNET-
 IC RESONANCE IMAGING,  RECOMMENDED  BY  NATIONALLY  RECOGNIZED  CLINICAL
 PRACTICE GUIDELINES FOR THE DETECTION OF BREAST CANCER. FOR THE PURPOSES
 OF THIS ITEM, "NATIONALLY RECOGNIZED CLINICAL PRACTICE GUIDELINES" MEANS
 EVIDENCE-BASED  CLINICAL  PRACTICE  GUIDELINES  INFORMED BY A SYSTEMATIC
 REVIEW OF EVIDENCE AND AN ASSESSMENT  OF  THE  BENEFITS,  AND  RISKS  OF
 ALTERNATIVE  CARE OPTIONS INTENDED TO OPTIMIZE PATIENT CARE DEVELOPED BY
 INDEPENDENT ORGANIZATIONS OR MEDICAL PROFESSIONAL SOCIETIES UTILIZING  A
 TRANSPARENT  METHODOLOGY  AND REPORTING STRUCTURE AND WITH A CONFLICT OF
 INTEREST POLICY.
   (B) Such coverage required pursuant to subparagraph (A) or (C) of this
 paragraph shall not be subject to annual deductibles or coinsurance.  IF
 UNDER FEDERAL LAW, APPLICATION  OF  THIS  REQUIREMENT  WOULD  RESULT  IN
 HEALTH  SAVINGS ACCOUNT INELIGIBILITY UNDER 26 USC 223, THIS REQUIREMENT
 SHALL APPLY FOR HEALTH SAVINGS ACCOUNT-QUALIFIED HIGH DEDUCTIBLE  HEALTH
 PLANS  WITH  RESPECT TO THE DEDUCTIBLE OF SUCH A PLAN AFTER THE ENROLLEE
 HAS SATISFIED THE MINIMUM DEDUCTIBLE UNDER 26 USC 223, EXCEPT  FOR  WITH
 RESPECT  TO  ITEMS OR   SERVICES THAT ARE PREVENTIVE CARE PURSUANT TO 26
 USC 223(C)(2)(C), IN WHICH CASE THE REQUIREMENTS OF THIS PARAGRAPH SHALL
 APPLY REGARDLESS OF WHETHER THE MINIMUM DEDUCTIBLE UNDER 26 USC 223  HAS
 BEEN SATISFIED.
   §  2.  Subparagraph  (F)  of paragraph 11 of subsection (i) of section
 3216 of the insurance laws is REPEALED.
   § 3. Subparagraphs (A) and (B) of paragraph 11 of  subsection  (l)  of
 section  3221 of the insurance law, subparagraph (A) as amended by chap-
 ter 143 of the laws of 2019, and subparagraph (B) as amended by  chapter
 74 of the laws of 2016, are amended to read as follows:
   (A)  Every  insurer  delivering a group or blanket policy or issuing a
 group or blanket policy for delivery in this state that provides  cover-
 age  for  hospital, surgical or medical care shall provide the following
 coverage for mammography screening for occult breast cancer:
   (i) upon the recommendation of a physician, a mammogram, which may  be
 provided  by breast tomosynthesis, at any age for covered persons having
 a prior history of breast cancer or who have  a  first  degree  relative
 with a prior history of breast cancer;
   (ii)  a  single  baseline  mammogram,  which may be provided by breast
 tomosynthesis, for covered persons aged thirty-five through thirty-nine,
 inclusive;
   (iii) an annual mammogram, which may be provided by breast tomosynthe-
 sis, for covered persons aged forty and older; [and]
   (iv) for large group policies  that  provide  coverage  for  hospital,
 surgical  or  medical care, an annual mammogram for covered persons aged
 thirty-five through thirty-nine, inclusive, upon the recommendation of a
 physician, subject to the insurer's determination that the mammogram  is
 medically necessary; AND
   (V)  UPON  THE RECOMMENDATION OF A PHYSICIAN, SCREENING AND DIAGNOSTIC
 IMAGING, INCLUDING DIAGNOSTIC MAMMOGRAMS, BREAST ULTRASOUNDS, OR MAGNET-
 IC RESONANCE IMAGING,  RECOMMENDED  BY  NATIONALLY  RECOGNIZED  CLINICAL
 PRACTICE GUIDELINES FOR THE DETECTION OF BREAST CANCER. FOR THE PURPOSES
 OF THIS ITEM, "NATIONALLY RECOGNIZED CLINICAL PRACTICE GUIDELINES" MEANS
 EVIDENCE-BASED  CLINICAL  PRACTICE  GUIDELINES  INFORMED BY A SYSTEMATIC
 REVIEW OF EVIDENCE AND AN ASSESSMENT  OF  THE  BENEFITS,  AND  RISKS  OF
 ALTERNATIVE  CARE OPTIONS INTENDED TO OPTIMIZE PATIENT CARE DEVELOPED BY
 S. 2465--C                          3
 
 INDEPENDENT ORGANIZATIONS OR MEDICAL PROFESSIONAL SOCIETIES UTILIZING  A
 TRANSPARENT  METHODOLOGY  AND REPORTING STRUCTURE AND WITH A CONFLICT OF
 INTEREST POLICY.
   (B) Such coverage required pursuant to subparagraph (A) or (C) of this
 paragraph shall not be subject to annual deductibles or coinsurance.  IF
 UNDER  FEDERAL  LAW,  APPLICATION  OF  THIS  REQUIREMENT WOULD RESULT IN
 HEALTH SAVINGS ACCOUNT INELIGIBILITY UNDER 26 USC 223, THIS  REQUIREMENT
 SHALL  APPLY FOR HEALTH SAVINGS ACCOUNT-QUALIFIED HIGH DEDUCTIBLE HEALTH
 PLANS WITH RESPECT TO THE DEDUCTIBLE OF SUCH A PLAN AFTER  THE  ENROLLEE
 HAS  SATISFIED  THE MINIMUM DEDUCTIBLE UNDER 26 USC 223, EXCEPT FOR WITH
 RESPECT TO ITEMS OR  SERVICES THAT ARE PREVENTIVE CARE  PURSUANT  TO  26
 USC 223(C)(2)(C), IN WHICH CASE THE REQUIREMENTS OF THIS PARAGRAPH SHALL
 APPLY  REGARDLESS OF WHETHER THE MINIMUM DEDUCTIBLE UNDER 26 USC 223 HAS
 BEEN SATISFIED.
   § 4. Subparagraph (F) of paragraph 11 of  subsection  (l)  of  section
 3221 of the insurance law is REPEALED.
   §  5.  Paragraph  1 of subsection (p) of section 4303 of the insurance
 law, as amended by chapter 219 of the laws of 2011, subparagraph (A)  as
 amended  by chapter 414 of the laws of 2017, and subparagraphs (B), (C),
 (D), and (E) as amended by chapter 143 of the laws of 2019,  is  amended
 to read as follows:
   (1) A medical expense indemnity corporation, a hospital service corpo-
 ration or a health service corporation that provides coverage for hospi-
 tal,  surgical  or medical care shall provide the following coverage for
 mammography screening for occult breast cancer:
   (A) upon the recommendation of a physician, a mammogram, which may  be
 provided  by breast tomosynthesis, at any age for covered persons having
 a prior history of breast cancer or who have  a  first  degree  relative
 with a prior history of breast cancer;
   (B) a single baseline mammogram, which may be provided by breast tomo-
 synthesis,  for  covered  persons  aged thirty-five through thirty-nine,
 inclusive;
   (C) an annual mammogram, which may be provided by breast tomosythesis,
 for covered persons aged forty and older;
   (D) for large group contracts offered by a medical  expense  indemnity
 corporation,  a  hospital service corporation or a health service corpo-
 ration that provide coverage for hospital, surgical or medical care,  an
 annual  mammogram  for  covered persons aged thirty-five through thirty-
 nine, inclusive, upon the recommendation of a physician, subject to  the
 corporation's  determination  that the mammogram is medically necessary;
 [and]
   (E) UPON THE RECOMMENDATION OF A PHYSICIAN, SCREENING  AND  DIAGNOSTIC
 IMAGING, INCLUDING DIAGNOSTIC MAMMOGRAMS, BREAST ULTRASOUNDS, OR MAGNET-
 IC  RESONANCE  IMAGING,  RECOMMENDED  BY  NATIONALLY RECOGNIZED CLINICAL
 PRACTICE GUIDELINES FOR THE DETECTION OF BREAST CANCER. FOR THE PURPOSES
 OF THIS SUBPARAGRAPH, "NATIONALLY RECOGNIZED  CLINICAL  PRACTICE  GUIDE-
 LINES"  MEANS  EVIDENCE-BASED CLINICAL PRACTICE GUIDELINES INFORMED BY A
 SYSTEMATIC REVIEW OF EVIDENCE AND AN ASSESSMENT  OF  THE  BENEFITS,  AND
 RISKS  OF  ALTERNATIVE  CARE  OPTIONS  INTENDED TO OPTIMIZE PATIENT CARE
 DEVELOPED BY INDEPENDENT ORGANIZATIONS OR MEDICAL PROFESSIONAL SOCIETIES
 UTILIZING A TRANSPARENT METHODOLOGY AND REPORTING STRUCTURE AND  WITH  A
 CONFLICT OF INTEREST POLICY; AND
   (F)  The  coverage required in this paragraph or paragraph two of this
 subsection shall not be subject to annual  deductibles  or  coinsurance.
 IF  UNDER  FEDERAL  LAW, APPLICATION OF THIS REQUIREMENT WOULD RESULT IN
 HEALTH SAVINGS ACCOUNT INELIGIBILITY UNDER 26 USC 223, THIS  REQUIREMENT
 S. 2465--C                          4

 SHALL  APPLY FOR HEALTH SAVINGS ACCOUNT-QUALIFIED HIGH DEDUCTIBLE HEALTH
 PLANS WITH RESPECT TO THE DEDUCTIBLE OF SUCH A PLAN AFTER  THE  ENROLLEE
 HAS  SATISFIED  THE MINIMUM DEDUCTIBLE UNDER 26 USC 223, EXCEPT FOR WITH
 RESPECT  TO  ITEMS OR   SERVICES THAT ARE PREVENTIVE CARE PURSUANT TO 26
 USC 223(C)(2)(C), IN WHICH CASE THE REQUIREMENTS OF THIS PARAGRAPH SHALL
 APPLY REGARDLESS OF WHETHER THE MINIMUM DEDUCTIBLE UNDER 26 USC 223  HAS
 BEEN SATISFIED.
   §  6.  Paragraph  5 of subsection (p) of section 4303 of the insurance
 law is REPEALED.
   § 7. This act shall take effect January 1, 2026   and shall  apply  to
 all policies and contracts issued, renewed, modified, altered or amended
 on or after such date.