S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   1458
 
                        2025-2026 Regular Sessions
 
                           I N  A S S E M B L Y
 
                              January 9, 2025
                                ___________
 
 Introduced  by M. of A. HUNTER, STIRPE, JACKSON, BUTTENSCHON, DeSTEFANO,
   SMULLEN, LUCAS, RA, ANGELINO, LEMONDES,  BLANKENBUSH,  SAYEGH,  STERN,
   BRAUNSTEIN,  HYNDMAN,  SEPTIMO,  TAGUE, BEEPHAN, BRABENEC, K. BROWN --
   Multi-Sponsored by -- M. of A. LUPARDO -- 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:
 
   Section  1.  Subsection  (i)  of  section 3216 of the insurance law is
 amended by adding a new paragraph 40 to read as follows:
   (40)(A) EVERY POLICY WHICH PROVIDES MEDICAL, MAJOR MEDICAL, OR SIMILAR
 COMPREHENSIVE-TYPE COVERAGE SHALL  PROVIDE  COVERAGE  FOR  COMPREHENSIVE
 ANNUAL  MEDICAL EXAMS FOR INSURED INDIVIDUALS WHO ARE FIREFIGHTERS. SUCH
 COMPREHENSIVE ANNUAL MEDICAL EXAM COVERAGE SHALL INCLUDE:
   (I) A DETAILED SYMPTOM HEALTH HISTORY INCLUDING HEADACHES, SKIN  RASH-
 ES, INTESTINAL OR RESPIRATORY SYMPTOMS, WEAKNESS, AND COGNITIVE DYSFUNC-
 TION;
   (II)  AN  IN  PERSON  PHYSICAL  EXAM  INCLUDING  CARDIOVASCULAR, SKIN,
 THYROID, MOUTH, PULMONARY, INTESTINAL, URINARY, LYMPH  NODE,  NEUROLOGI-
 CAL, MUSCULOSKELETAL, BREAST AND TESTES, AS APPLICABLE, EXAMINATION;
   (III)  VITAL  SIGNS  AND  BODY  MEASURES TESTED AND RECORDED INCLUDING
 BLOOD PRESSURE, OXYGEN SATURATION, HEART AND RESPIRATORY  RATE,  WEIGHT,
 HEIGHT AND BODY FAT PERCENTAGE;
   (IV) LABORATORY ASSESSMENTS INCLUDING:
   A.  COMPREHENSIVE METABOLIC PANEL, COMPLETE BLOOD COUNT WITH DIFFEREN-
 TIAL, LIPID PANEL, THYROID STIMULATING HORMONE, HIGH-SENSITIVITY C-REAC-
 TIVE PROTEIN, AND HEMOGLOBIN A1C BLOOD TESTS; AND
   B. URINALYSIS FOR PH, GLUCOSE, KETONES, PROTEIN, BLOOD AND  BILIRUBIN,
 AND MICROSCOPIC ASSESSMENT FOR WHITE BLOOD CELLS, RED BLOOD CELLS, WHITE
 BLOOD CELL CASTS, RED BLOOD CELL CASTS, AND CRYSTALS;
   (V) SPIROMETRY;
   (VI)  CANCER SCREENING, INCLUDING, DIGITAL RECTAL EXAM FOR INDIVIDUALS
 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.
                                                            LBD01783-01-5
 A. 1458                             2
 
 EXAM,  RESPIRATOR  FIT TEST, COLONOSCOPIES BEGINNING AT FORTY-FIVE YEARS
 OF AGE OR EARLIER DEPENDING ON FAMILY HISTORY, MAMMOGRAMS  BEGINNING  AT
 AGE  FORTY OR EARLIER DEPENDING ON FAMILY HISTORY, AND LOW DOSE COMPUTED
 TOMOGRAPHY  DEPENDING  ON AGE, SMOKING HISTORY, FORCED EXPIRATORY VOLUME
 (FEV1), FAMILY HISTORY OF LUNG  CANCER,  OBSTRUCTIVE  LUNG  DISEASE  AND
 HISTORY OF PNEUMONIA; AND
   (VII)  A  STRESS  ELECTROCARDIOGRAM  WITH MAXIMAL OXYGEN UPTAKE CALCU-
 LATED.
   (B) NOTWITHSTANDING THE REQUIREMENTS FOR COMPREHENSIVE ANNUAL  MEDICAL
 EXAM  COVERAGE  PURSUANT  TO  SUBPARAGRAPH  (A)  OF THIS PARAGRAPH, SUCH
 COVERAGE SHALL ADDITIONALLY INCLUDE A CHEST X-RAY EVERY FIVE  YEARS  AND
 ANY  ADDITIONAL  TESTING  DETERMINED  NECESSARY  BY  THE COMMISSIONER OF
 HEALTH.
   (C) AN INSURED SHALL IDENTIFY THEIR PROFESSION AS  A  FIREFIGHTER  AND
 YEARS  OF SERVICE TO THEIR PRIMARY CARE PROVIDER TO RECEIVE SUCH COMPRE-
 HENSIVE ANNUAL MEDICAL EXAMINATION PURSUANT TO THIS PARAGRAPH.
   (D) AS USED IN THIS PARAGRAPH THE TERM "FIREFIGHTER" MEANS  ANY  FIRE-
 FIGHTER  REGULARLY  EMPLOYED BY A FIRE DEPARTMENT OF ANY MUNICIPALITY IN
 THE STATE.
   § 2. Subsection (l) of section 3221 of the insurance law is amended by
 adding a new paragraph 23 to read as follows:
   (23)(A) EVERY POLICY WHICH PROVIDES MEDICAL, MAJOR MEDICAL, OR SIMILAR
 COMPREHENSIVE-TYPE COVERAGE SHALL  PROVIDE  COVERAGE  FOR  COMPREHENSIVE
 ANNUAL  MEDICAL EXAMS FOR INSURED INDIVIDUALS WHO ARE FIREFIGHTERS. SUCH
 COMPREHENSIVE ANNUAL MEDICAL EXAM COVERAGE SHALL INCLUDE:
   (I) A DETAILED SYMPTOM HEALTH HISTORY INCLUDING HEADACHES, SKIN  RASH-
 ES, INTESTINAL OR RESPIRATORY SYMPTOMS, WEAKNESS, AND COGNITIVE DYSFUNC-
 TION;
   (II)  AN  IN  PERSON  PHYSICAL  EXAM  INCLUDING  CARDIOVASCULAR, SKIN,
 THYROID, MOUTH, PULMONARY, INTESTINAL, URINARY, LYMPH  NODE,  NEUROLOGI-
 CAL, MUSCULOSKELETAL, BREAST AND TESTES, AS APPLICABLE, EXAMINATION;
   (III)  VITAL  SIGNS  AND  BODY  MEASURES TESTED AND RECORDED INCLUDING
 BLOOD PRESSURE, OXYGEN SATURATION, HEART AND RESPIRATORY  RATE,  WEIGHT,
 HEIGHT AND BODY FAT PERCENTAGE;
   (IV) LABORATORY ASSESSMENTS INCLUDING:
   A.  COMPREHENSIVE METABOLIC PANEL, COMPLETE BLOOD COUNT WITH DIFFEREN-
 TIAL, LIPID PANEL, THYROID STIMULATING HORMONE, HIGH-SENSITIVITY C-REAC-
 TIVE PROTEIN, AND HEMOGLOBIN A1C BLOOD TESTS; AND
   B. URINALYSIS FOR PH, GLUCOSE, KETONES, PROTEIN, BLOOD AND  BILIRUBIN,
 AND MICROSCOPIC ASSESSMENT FOR WHITE BLOOD CELLS, RED BLOOD CELLS, WHITE
 BLOOD CELL CASTS, RED BLOOD CELL CASTS, AND CRYSTALS;
   (V) SPIROMETRY;
   (VI)  CANCER SCREENING, INCLUDING, DIGITAL RECTAL EXAM FOR INDIVIDUALS
 WITH PROSTATE-SPECIFIC ANTIGEN, CERVICAL  EXAM  WITH  PAP  TEST,  BREAST
 EXAM,  RESPIRATOR  FIT TEST, COLONOSCOPIES BEGINNING AT FORTY-FIVE YEARS
 OF AGE OR EARLIER DEPENDING ON FAMILY HISTORY, MAMMOGRAMS  BEGINNING  AT
 AGE  FORTY OR EARLIER DEPENDING ON FAMILY HISTORY, AND LOW DOSE COMPUTED
 TOMOGRAPHY DEPENDING ON AGE, SMOKING HISTORY, FORCED  EXPIRATORY  VOLUME
 (FEV1),  FAMILY  HISTORY  OF  LUNG  CANCER, OBSTRUCTIVE LUNG DISEASE AND
 HISTORY OF PNEUMONIA; AND
   (VII) A STRESS ELECTROCARDIOGRAM WITH  MAXIMAL  OXYGEN  UPTAKE  CALCU-
 LATED.
   (B)  NOTWITHSTANDING THE REQUIREMENTS FOR COMPREHENSIVE ANNUAL MEDICAL
 EXAM COVERAGE PURSUANT TO  SUBPARAGRAPH  (A)  OF  THIS  PARAGRAPH,  SUCH
 COVERAGE  SHALL  ADDITIONALLY INCLUDE A CHEST X-RAY EVERY FIVE YEARS AND
 A. 1458                             3
 
 ANY ADDITIONAL TESTING  DETERMINED  NECESSARY  BY  THE  COMMISSIONER  OF
 HEALTH.
   (C)  AN  INSURED  SHALL IDENTIFY THEIR PROFESSION AS A FIREFIGHTER AND
 YEARS OF SERVICE TO THEIR PRIMARY CARE PROVIDER TO RECEIVE SUCH  COMPRE-
 HENSIVE ANNUAL MEDICAL EXAMINATION PURSUANT TO THIS PARAGRAPH.
   (D)  AS  USED IN THIS PARAGRAPH THE TERM "FIREFIGHTER" MEANS ANY FIRE-
 FIGHTER REGULARLY EMPLOYED BY A FIRE DEPARTMENT OF ANY  MUNICIPALITY  IN
 THE STATE.
   §  3.  Section  4303  of  the insurance law is amended by adding a new
 subsection (l-3) to read as follows:
   (L-3)(A) EVERY CONTRACT WHICH  PROVIDES  MEDICAL,  MAJOR  MEDICAL,  OR
 SIMILAR  COMPREHENSIVE-TYPE  COVERAGE SHALL PROVIDE COVERAGE FOR COMPRE-
 HENSIVE ANNUAL MEDICAL EXAMS FOR INSURED INDIVIDUALS WHO ARE  FIREFIGHT-
 ERS. SUCH COMPREHENSIVE ANNUAL MEDICAL EXAM COVERAGE SHALL INCLUDE:
   (I)  A DETAILED SYMPTOM HEALTH HISTORY INCLUDING HEADACHES, SKIN RASH-
 ES, INTESTINAL OR RESPIRATORY SYMPTOMS, WEAKNESS, AND COGNITIVE DYSFUNC-
 TION;
   (II) AN  IN  PERSON  PHYSICAL  EXAM  INCLUDING  CARDIOVASCULAR,  SKIN,
 THYROID,  MOUTH,  PULMONARY, INTESTINAL, URINARY, LYMPH NODE, NEUROLOGI-
 CAL, MUSCULOSKELETAL, BREAST AND TESTES, AS APPLICABLE, EXAMINATION;
   (III) VITAL SIGNS AND BODY  MEASURES  TESTED  AND  RECORDED  INCLUDING
 BLOOD  PRESSURE,  OXYGEN SATURATION, HEART AND RESPIRATORY RATE, WEIGHT,
 HEIGHT AND BODY FAT PERCENTAGE;
   (IV) LABORATORY ASSESSMENTS INCLUDING:
   A. COMPREHENSIVE METABOLIC PANEL, COMPLETE BLOOD COUNT WITH  DIFFEREN-
 TIAL, LIPID PANEL, THYROID STIMULATING HORMONE, HIGH-SENSITIVITY C-REAC-
 TIVE PROTEIN, AND HEMOGLOBIN A1C BLOOD TESTS; AND
   B.  URINALYSIS FOR PH, GLUCOSE, KETONES, PROTEIN, BLOOD AND BILIRUBIN,
 AND MICROSCOPIC ASSESSMENT FOR WHITE BLOOD CELLS, RED BLOOD CELLS, WHITE
 BLOOD CELL CASTS, RED BLOOD CELL CASTS, AND CRYSTALS;
   (V) SPIROMETRY;
   (VI) CANCER SCREENING, INCLUDING, DIGITAL RECTAL EXAM FOR  INDIVIDUALS
 WITH  PROSTATE-SPECIFIC  ANTIGEN,  CERVICAL  EXAM  WITH PAP TEST, BREAST
 EXAM, RESPIRATOR FIT TEST, COLONOSCOPIES BEGINNING AT  FORTY-FIVE  YEARS
 OF  AGE  OR EARLIER DEPENDING ON FAMILY HISTORY, MAMMOGRAMS BEGINNING AT
 AGE FORTY OR EARLIER DEPENDING ON FAMILY HISTORY, AND LOW DOSE  COMPUTED
 TOMOGRAPHY  DEPENDING  ON AGE, SMOKING HISTORY, FORCED EXPIRATORY VOLUME
 (FEV1), FAMILY HISTORY OF LUNG  CANCER,  OBSTRUCTIVE  LUNG  DISEASE  AND
 HISTORY OF PNEUMONIA; AND
   (VII)  A  STRESS  ELECTROCARDIOGRAM  WITH MAXIMAL OXYGEN UPTAKE CALCU-
 LATED.
   (B) NOTWITHSTANDING THE REQUIREMENTS FOR COMPREHENSIVE ANNUAL  MEDICAL
 EXAM  COVERAGE PURSUANT TO PARAGRAPH (A) OF THIS SUBSECTION, SUCH COVER-
 AGE SHALL ADDITIONALLY INCLUDE A CHEST X-RAY EVERY FIVE  YEARS  AND  ANY
 ADDITIONAL TESTING DETERMINED NECESSARY BY THE COMMISSIONER OF HEALTH.
   (C)  AN  INSURED  SHALL IDENTIFY THEIR PROFESSION AS A FIREFIGHTER AND
 YEARS OF SERVICE TO THEIR PRIMARY CARE PROVIDER TO RECEIVE SUCH  COMPRE-
 HENSIVE ANNUAL MEDICAL EXAMINATION PURSUANT TO THIS SUBSECTION.
   (D)  AS USED IN THIS SUBSECTION THE TERM "FIREFIGHTER" MEANS ANY FIRE-
 FIGHTER REGULARLY EMPLOYED BY A FIRE DEPARTMENT OF ANY  MUNICIPALITY  IN
 THE STATE.
   §  4.  This act shall take effect immediately and shall apply to poli-
 cies and contracts issued, renewed, modified, altered or amended on  and
 after such date.