NY State Senate Bill 2025-S2164

Senate Bill S2164

2025-2026 Legislative Session

Requires health insurance policies to include coverage of optional anesthesia for certain contraceptive and menstrual health procedures

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Current Bill Status - In Senate Committee Insurance Committee

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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	Assembly Actions - Lowercase Senate Actions - UPPERCASE
Jan 15, 2025	referred to insurance

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2025-S2164 (ACTIVE) - Details

See Assembly Version of this Bill:: A3645
Current Committee:: Senate Insurance
Law Section:: Insurance Law
Laws Affected:: Amd §§3216, 3221 & 4303, Ins L
Versions Introduced in 2023-2024 Legislative Session:: S8786, A10687

2025-S2164 (ACTIVE) - Summary

Requires health insurance policies to include coverage of optional anesthesia for certain contraceptive and menstrual health procedures including, but not limited to, loop electrosurgical excision procedure, colposcopy, ablation, and intrauterine device insertion.

2025-S2164 (ACTIVE) - Sponsor Memo

                                 
BILL NUMBER: S2164

SPONSOR: MAY
 
TITLE OF BILL:

An act to amend the insurance law, in relation to requiring health
insurance policies to include coverage of optional anesthesia for
certain contraceptive and menstrual health procedures

 
PURPOSE:

To allow individuals seeking reproductive healthcare to receive local or
general anesthetic from their medical providers, covered by their health
insurance policies

 
SUMMARY OF SPECIFIC PROVISIONS:

Section 1 amends Section 3216 of the insurance law to add menstrual
health procedures to the list of treatments included in coverage of
anesthesia.

Section 2 amends Section 3221 of the insurance law to add menstrual

health procedures to the list of treatments included in coverage of
anesthesia.

Section 3 amends Section 4303 of the insurance law to add menstrual
health procedures to the list of treatments included in coverage of
anesthesia.

Section 4 establishes the effective date of the bill.

 
JUSTIFICATION:

This bill would require health insurance to cover local or general anes-
thesia for people undergoing medical procedures including but not limit-
ed to IUD insertion, loop electrosurgical excision procedure, colposco-
py, and ablation. Not only would this allow patients more flexibility in
their surgery, it would further New York's commitment to accessible
reproductive healthcare.

Pain faced by women, and women of color especially, has been underesti-
mated and ignored. Pain has been considered a "necessary evil" in the
process of regulating menstrual health and childbirth, faced by people
of all ages and backgrounds. One of the most effective methods of birth
control, an intrauterine device (IUD), estimated to be used by around
14% of women ages 15 to 44, roughly 10 million people, can last from 3
to 12 years and can also be used to treat heavy periods and the side
effects that they cause. Though this is a fairly common procedure,
according to a 2014 study in the medical journal Contraception, provid-
ers routinely underestimate the pain that comes with the insertion of an
IUD. Vasovagal responses to the insertion of this device are also
common, leading individuals seeking treatment to feel dizzy, nauseated,
and occasionally pass out. When an IUD insertion goes perfectly, side
effects include pain and heavy cramping, and many people who opt for
this procedure receive no pain management from their physicians. Treat-
ment is inconsistent across the board, with reports of some individuals
receiving local anesthetic, or being advised to take mifepristone before
the procedure.

While a 2016 study of people who had never given birth before in the
Journal of Family Planning and Reproductive Healthcare showed that 83%
of study participants were very happy with their IUD and 75% of partic-
ipants said that the insertion process went 'very well,' 78% reported
insertion pain as moderate to severe. 46% of participants experienced
vasovagal symptoms. One does not need to look very far to come across
stories of people who have had an IUD insertion, and have described it
as a "deep biological sense that something in your body that should not
be messed with is being aggravated" and "a pain level that gives a
glimpse of childbirth." While other procedures are unthinkable without
anesthetic - wisdom teeth excision, cystoscopies, colonoscopies - IUD
insertions are similarly invasive.

Understandably, some individuals will opt for anesthesia when undergoing
this procedure, but anesthesia isn't covered for this procedure across
the board. Anesthesia can cost $500 to $3,500 out-of-pocket, leaving it
inaccessible to people who would benefit from the use of it during a
procedure. Other procedures, like an endometrial ablation, where a
medical professional scrapes out the interior lining of the uterus, and
a colposcopy, which is a cervical cancer test, are invasive, intimate
procedures that warrant the use of anesthesia.

 
LEGISLATIVE HISTORY:

2023-2024: S.8786 (May) / A.10687 Rules (Simone)

 
FISCAL IMPLICATIONS:

Subject to appropriations

 
EFFECTIVE DATE:
Immediately

2025-S2164 (ACTIVE) - Bill Text download pdf

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   2164
 
                        2025-2026 Regular Sessions
 
                             I N  S E N A T E
 
                             January 15, 2025
                                ___________
 
 Introduced  by  Sens.  MAY, HINCHEY, SCARCELLA-SPANTON -- 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 health
   insurance policies to include  coverage  of  optional  anesthesia  for
   certain contraceptive and menstrual health procedures
 
   THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section  1.  Clause  (v)  of  subparagraph  (E)  of  paragraph  17  of
 subsection  (i)  of  section  3216  of  the insurance law, as amended by
 section 3 of part M of chapter 57 of the laws of  2019,  is  amended  to
 read as follows:
   (v)  all  FDA-approved  MENSTRUAL  HEALTH PROCEDURES AND contraceptive
 drugs, devices,  and  other  products,  including  all  over-the-counter
 contraceptive drugs, devices, and products as prescribed or as otherwise
 authorized  under  state  or federal law; voluntary sterilization proce-
 dures pursuant to 42 U.S.C. 18022 and identified  in  the  comprehensive
 guidelines supported by the health resources and services administration
 and  thereby  incorporated  in  the  essential health benefits benchmark
 plan; patient education and counseling on contraception;  and  follow-up
 services related to the drugs, devices, products, and procedures covered
 under  this  clause,  including,  but not limited to, management of side
 effects, counseling for continued adherence, and  device  insertion  and
 removal.  Except  as  otherwise authorized under this clause, a contract
 shall not impose any restrictions or delays  on  the  coverage  required
 under  this  clause.    However,  where the FDA has approved one or more
 therapeutic and  pharmaceutical  equivalent,  as  defined  by  the  FDA,
 versions  of a contraceptive drug, device, or product, a contract is not
 required to include all such therapeutic and  pharmaceutical  equivalent
 versions  in  its  formulary,  so  long  as at least one is included and
 covered without cost-sharing and in accordance with this clause. If  the

  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD01380-01-5

 S. 2164                             2
 
 covered  therapeutic  and  pharmaceutical equivalent versions of a drug,
 device, or product are not available or are deemed medically inadvisable
 a contract shall provide coverage for an alternate therapeutic and phar-
 maceutical  equivalent  version  of  the  contraceptive drug, device, or
 product without cost-sharing. (a) This coverage shall include  emergency
 contraception   without   cost  sharing  when  provided  pursuant  to  a
 prescription, or order under section sixty-eight hundred  thirty-one  of
 the education law or when lawfully provided over-the-counter. (b) If the
 attending health care provider, in [his or her] THEIR reasonable profes-
 sional judgment, determines that the use of a non-covered therapeutic or
 pharmaceutical  equivalent  of  a drug, device, or product is warranted,
 the health care provider's determination shall be final. The superinten-
 dent shall promulgate  regulations  establishing  a  process,  including
 timeframes, for an insured, an insured's designee or an insured's health
 care  provider  to request coverage of a non-covered contraceptive drug,
 device, or product. Such regulations shall include  a  requirement  that
 insurers  use  an exception form that shall meet criteria established by
 the superintendent. (c) This coverage must allow for the  dispensing  of
 up  to  twelve  months  worth  of  a contraceptive at one time. (d) THIS
 COVERAGE SHALL INCLUDE OPTIONAL ANESTHESIA FOR  VAGINAL,  CERVICAL,  AND
 UTERINE MEDICAL PROCEDURES, INCLUDING, BUT NOT LIMITED TO, LOOP ELECTRO-
 SURGICAL  EXCISION  PROCEDURE,  COLPOSCOPY,  ABLATION,  AND INTRAUTERINE
 DEVICE INSERTION. (E) For the purposes of this clause, "over-the-counter
 contraceptive products"  shall  mean  those  products  provided  for  in
 comprehensive  guidelines supported by the health resources and services
 administration as of January twenty-first, two thousand nineteen.
   § 2. Subparagraph (A) of paragraph 16 of  subsection  (l)  of  section
 3221  of the insurance law, as amended by section 1 of part M of chapter
 57 of the laws of 2019, is amended to read as follows:
   (A) Every  group  or  blanket  policy  that  provides  medical,  major
 medical, or similar comprehensive type coverage that is issued, amended,
 renewed,  effective or delivered on or after January first, two thousand
 twenty, shall provide  coverage  for  all  of  the  following  services,
 MENSTRUAL HEALTH PROCEDURES, and contraceptive methods:
   (1)  All  FDA-approved  MENSTRUAL  HEALTH PROCEDURES AND contraceptive
 drugs, devices, and other products.    This  includes  all  FDA-approved
 over-the-counter   contraceptive   drugs,   devices,   and  products  as
 prescribed or as otherwise authorized under state or  federal  law.  The
 following applies to this coverage:
   (a)  where the FDA has approved one or more therapeutic and pharmaceu-
 tical equivalent, as defined by the FDA,  versions  of  a  contraceptive
 drug,  device,  or product, a group or blanket policy is not required to
 include all such therapeutic and pharmaceutical equivalent  versions  in
 its  formulary,  so long as at least one is included and covered without
 cost-sharing and in accordance with this paragraph;
   (b) if the covered therapeutic and pharmaceutical equivalent  versions
 of  a drug, device, or product are not available or are deemed medically
 inadvisable a group or blanket policy  shall  provide  coverage  for  an
 alternate  therapeutic  and  pharmaceutical  equivalent  version  of the
 contraceptive drug, device, or  product  without  cost-sharing.  If  the
 attending health care provider, in [his or her] THEIR reasonable profes-
 sional judgment, determines that the use of a non-covered therapeutic or
 pharmaceutical  equivalent  of  a drug, device, or product is warranted,
 the health care provider's determination shall be final. The superinten-
 dent shall promulgate  regulations  establishing  a  process,  including
 timeframes, for an insured, an insured's designee or an insured's health
 S. 2164                             3
 
 care  provider  to request coverage of a non-covered contraceptive drug,
 device, or product. Such regulations shall include  a  requirement  that
 insurers  use  an exception form that shall meet criteria established by
 the superintendent;
   (c)  this coverage shall include emergency contraception without cost-
 sharing when provided pursuant to a prescription or order under  section
 sixty-eight  hundred  thirty-one  of  the education law or when lawfully
 provided over the counter; [and]
   (d) this coverage must allow for the dispensing of up to twelve months
 worth of a contraceptive at one time; AND
   (E) THIS COVERAGE  SHALL  INCLUDE  OPTIONAL  ANESTHESIA  FOR  VAGINAL,
 CERVICAL, AND UTERINE MEDICAL PROCEDURES, INCLUDING, BUT NOT LIMITED TO,
 LOOP  ELECTROSURGICAL  EXCISION  PROCEDURE,  COLPOSCOPY,  ABLATION,  AND
 INTRAUTERINE DEVICE INSERTION;
   (2) Voluntary sterilization procedures pursuant to 42 U.S.C. 18022 and
 identified in the  comprehensive  guidelines  supported  by  the  health
 resources  and  services  administration and thereby incorporated in the
 essential health benefits benchmark plan;
   (3) Patient education and counseling on contraception; and
   (4) Follow-up services related to the drugs,  devices,  products,  and
 procedures  covered under this paragraph, including, but not limited to,
 management of side effects,  counseling  for  continued  adherence,  and
 device insertion and removal.
   §  3.  The  opening  paragraph  and subparagraph (A) of paragraph 1 of
 subsection (cc) of section 4303 of the  insurance  law,  as  amended  by
 section  2  of  part M of chapter 57 of the laws of 2019, are amended to
 read as follows:
   Every contract  that  provides  medical,  major  medical,  or  similar
 comprehensive  type coverage that is issued, amended, renewed, effective
 or delivered on or after  January  first,  two  thousand  twenty,  shall
 provide  coverage  for  all  of the following services, MENSTRUAL HEALTH
 PROCEDURES, and contraceptive methods:
   (A) All FDA-approved MENSTRUAL  HEALTH  PROCEDURES  AND  contraceptive
 drugs,  devices,  and  other  products.   This includes all FDA-approved
 over-the-counter  contraceptive  drugs,   devices,   and   products   as
 prescribed  or  as  otherwise authorized under state or federal law. The
 following applies to this coverage:
   (i) where the FDA has approved one or more therapeutic and  pharmaceu-
 tical  equivalent,  as  defined  by the FDA, versions of a contraceptive
 drug, device, or product, a contract is not required to include all such
 therapeutic and pharmaceutical equivalent versions in its formulary,  so
 long as at least one is included and covered without cost-sharing and in
 accordance with this subsection;
   (ii) if the covered therapeutic and pharmaceutical equivalent versions
 of  a drug, device, or product are not available or are deemed medically
 inadvisable a contract shall provide coverage for an alternate therapeu-
 tic and pharmaceutical equivalent version  of  the  contraceptive  drug,
 device,  or  product  without cost-sharing. If the attending health care
 provider, in [his or her] THEIR reasonable professional judgment, deter-
 mines that the use of a non-covered therapeutic or pharmaceutical equiv-
 alent of a drug, device,  or  product  is  warranted,  the  health  care
 provider's  determination  shall  be  final.  The  superintendent  shall
 promulgate regulations establishing a process, including timeframes, for
 an insured, an insured's designee or an insured's health  care  provider
 to  request  coverage  of  a  non-covered contraceptive drug, device, or
 product. Such regulations shall include a requirement that insurers  use
 S. 2164                             4
 
 an  exception  form  that  shall meet criteria established by the super-
 intendent;
   (iii)  this  coverage  shall  include  emergency contraception without
 cost-sharing when provided pursuant to a  prescription  or  order  under
 section  sixty-eight  hundred  thirty-one  of  the education law or when
 lawfully provided over the counter; [and]
   (iv) this coverage must allow for  the  dispensing  of  up  to  twelve
 months worth of a contraceptive at one time; AND
   (V)  THIS  COVERAGE  SHALL  INCLUDE  OPTIONAL  ANESTHESIA FOR VAGINAL,
 CERVICAL, AND UTERINE MEDICAL PROCEDURES, INCLUDING, BUT NOT LIMITED TO,
 LOOP  ELECTROSURGICAL  EXCISION  PROCEDURE,  COLPOSCOPY,  ABLATION,  AND
 INTRAUTERINE DEVICE INSERTION;
   § 4. This act shall take effect immediately.

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Senate Bill S2164

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Sponsored By

Rachel May