senate Bill S3951A

2013-2014 Legislative Session

Relates to mandatory health insurance coverage for providing prosthetic devices

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Archive: Last Bill Status - In Committee


  • Introduced
  • In Committee
  • On Floor Calendar
    • Passed Senate
    • Passed Assembly
  • Delivered to Governor
  • Signed/Vetoed by Governor

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Actions

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Assembly Actions - Lowercase
Senate Actions - UPPERCASE
Jan 29, 2014 print number 3951a
amend and recommit to insurance
Jan 08, 2014 referred to insurance
Feb 28, 2013 referred to insurance

Bill Amendments

Original
A (Active)
Original
A (Active)

Co-Sponsors

S3951 - Bill Details

See Assembly Version of this Bill:
A1103A
Current Committee:
Senate Insurance
Law Section:
Insurance Law
Laws Affected:
Amd §§3216, 3221 & 4303, Ins L
Versions Introduced in Previous Legislative Sessions:
2011-2012: A497
2009-2010: A770

S3951 - Bill Texts

view summary

Relates to mandatory health insurance coverage for providing prosthetic devices equal to or above Medicare's standard of coverage; includes the repair or replacement of a prosthetic device required to be worn or used by a policy holder; includes expenses for assessment, evaluation, treatment, management, and follow-up care.

view sponsor memo
BILL NUMBER:S3951

TITLE OF BILL: An act to amend the insurance law, in relation to
mandatory health insurance coverage for providing prosthetic devices

PURPOSE OR GENERAL IDEA OF BILL: To provide mandatory coverage for
prosthetic devices for children who periodically need to have these
devices altered or replaced due to normal physical growth, for adults
whose conditions change and to account for updated technology, repair
and replacement.

SUMMARY OF SPECIFIC PROVISIONS:

Sections 1. 2 & 3: Amends subsection (i) of section 3216, subsection
(1) of section 3221, and section 4303 of the Insurance Law to require
that every policy which provides medical, major medical, or similar
comprehensive type coverage shall include coverage equal to or above
Medicare's standard of coverage for prosthetic devices.

Section 4: Effective date.

JUSTIFICATION: Though not as common as in adults, children, even
infants may need a prosthetic device due to the loss of a limb. The
overwhelming experience for a child of losing a limb does not need to
be compounded by a long battle to pay for treatment. This legislation
will provide coverage to children and adults for prosthetic devices
and to replace or change these devices as needed to account for
natural growth and repairs of such devices.

LEGISLATIVE HISTORY: S.2893 of 2010: Died in Senate Insurance
Committee, Died in Assembly Insurance Committee S.2893 of 2009: Died
in Senate Insurance Committee, Died in Assembly Insurance Committee
S.1672 of 2008: Died in Senate Insurance Committee, Died in Assembly
Insurance Committee S.1672 of 2007: Died in Senate Insurance
Committee, Died in Assembly Insurance Committee S.599 of 2006: Died in
Senate Insurance Committee, Died in Assembly Insurance Committee S.599
of 2005: Died in Senate Insurance Committee, Died in Assembly
Insurance Committee

FISCAL IMPLICATIONS: None to the state.

EFFECTIVE DATE: This act shall take effect on the ninetieth 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.

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                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                  3951

                       2013-2014 Regular Sessions

                            I N  S E N A T E

                            February 28, 2013
                               ___________

Introduced  by  Sen. BONACIC -- 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  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 30 to read as follows:
  (30)  EVERY  POLICY  WHICH PROVIDES MEDICAL, MAJOR MEDICAL, OR SIMILAR
COMPREHENSIVE TYPE COVERAGE SHALL INCLUDE COVERAGE  EQUAL  TO  OR  ABOVE
MEDICARE'S  STANDARD  OF  COVERAGE  FOR PROSTHETIC DEVICES.   THIS SHALL
INCLUDE COVERAGE NOT ONLY FOR  THE  PROVISION  OF  A  PROSTHETIC  DEVICE
REQUIRED  TO  BE  WORN OR USED BY A POLICY HOLDER BUT ALSO THE REPAIR OR
REPLACEMENT OF A PROSTHETIC DEVICE REQUIRED TO BE  WORN  OR  USED  BY  A
POLICY  HOLDER.  COVERAGE  SHALL INCLUDE EXPENSES FOR ASSESSMENT, EVALU-
ATION, TREATMENT, MANAGEMENT, AND FOLLOW-UP CARE. COVERAGE SHALL NOT  BE
DENIED  ON  THE  GROUND THAT IT IS FOR COSMETIC PURPOSES OR IS NOT FOR A
FUNCTIONAL DEFECT OR IMPAIRMENT. THE TERM "PROSTHETIC DEVICE" AS USED IN
THIS SECTION INCLUDES AN ARTIFICIAL LIMB OR ARTIFICIAL EYE BUT SHALL NOT
INCLUDE SHOES OR  ANY  OTHER  ARTICLE  CONSIDERED  AS  ORDINARY  WEARING
APPAREL, WHETHER OR NOT SPECIALLY CONSTRUCTED.
  S 2. Subsection (l) of section 3221 of the insurance law is amended by
adding a new paragraph 19 to read as follows:
  (19)  EVERY  POLICY  WHICH PROVIDES MEDICAL, MAJOR MEDICAL, OR SIMILAR
COMPREHENSIVE TYPE COVERAGE SHALL INCLUDE COVERAGE  EQUAL  TO  OR  ABOVE
MEDICARE'S  STANDARD  OF  COVERAGE  FOR PROSTHETIC DEVICES.   THIS SHALL
INCLUDE COVERAGE NOT ONLY FOR  THE  PROVISION  OF  A  PROSTHETIC  DEVICE
REQUIRED  TO  BE  WORN OR USED BY A POLICY HOLDER BUT ALSO THE REPAIR OR
REPLACEMENT OF A PROSTHETIC DEVICE REQUIRED TO BE  WORN  OR  USED  BY  A
POLICY  HOLDER.  COVERAGE  SHALL INCLUDE EXPENSES FOR ASSESSMENT, EVALU-
ATION, TREATMENT, MANAGEMENT, AND FOLLOW-UP CARE. COVERAGE SHALL NOT  BE

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
                                                           LBD02404-01-3

S. 3951                             2

DENIED  ON  THE  GROUND THAT IT IS FOR COSMETIC PURPOSES OR IS NOT FOR A
FUNCTIONAL DEFECT OR IMPAIRMENT. THE TERM "PROSTHETIC DEVICE" AS USED IN
THIS SECTION INCLUDES AN ARTIFICIAL LIMB OR ARTIFICIAL EYE BUT SHALL NOT
INCLUDE  SHOES  OR  ANY  OTHER  ARTICLE  CONSIDERED  AS ORDINARY WEARING
APPAREL, WHETHER OR NOT SPECIALLY CONSTRUCTED.
  S 3. Section 4303 of the insurance law is  amended  by  adding  a  new
subsection (jj) to read as follows:
  (JJ)  EVERY  POLICY  WHICH PROVIDES MEDICAL, MAJOR MEDICAL, OR SIMILAR
COMPREHENSIVE TYPE COVERAGE SHALL INCLUDE COVERAGE  EQUAL  TO  OR  ABOVE
MEDICARE'S  STANDARD  OF  COVERAGE  FOR PROSTHETIC DEVICES.   THIS SHALL
INCLUDE COVERAGE NOT ONLY FOR  THE  PROVISION  OF  A  PROSTHETIC  DEVICE
REQUIRED  TO  BE  WORN OR USED BY A POLICY HOLDER BUT ALSO THE REPAIR OR
REPLACEMENT OF A PROSTHETIC DEVICE REQUIRED TO BE  WORN  OR  USED  BY  A
POLICY  HOLDER.  COVERAGE  SHALL INCLUDE EXPENSES FOR ASSESSMENT, EVALU-
ATION, TREATMENT, MANAGEMENT, AND FOLLOW-UP CARE. COVERAGE SHALL NOT  BE
DENIED  ON  THE  GROUND THAT IT IS FOR COSMETIC PURPOSES OR IS NOT FOR A
FUNCTIONAL DEFECT OR IMPAIRMENT. THE TERM "PROSTHETIC DEVICE" AS USED IN
THIS SECTION INCLUDES AN ARTIFICIAL LIMB OR ARTIFICIAL EYE BUT SHALL NOT
INCLUDE SHOES OR  ANY  OTHER  ARTICLE  CONSIDERED  AS  ORDINARY  WEARING
APPAREL, WHETHER OR NOT SPECIALLY CONSTRUCTED.
  S  4.  This  act shall take effect on the ninetieth 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.

Co-Sponsors

S3951A (ACTIVE) - Bill Details

See Assembly Version of this Bill:
A1103A
Current Committee:
Senate Insurance
Law Section:
Insurance Law
Laws Affected:
Amd §§3216, 3221 & 4303, Ins L
Versions Introduced in Previous Legislative Sessions:
2011-2012: A497
2009-2010: A770

S3951A (ACTIVE) - Bill Texts

view summary

Relates to mandatory health insurance coverage for providing prosthetic devices equal to or above Medicare's standard of coverage; includes the repair or replacement of a prosthetic device required to be worn or used by a policy holder; includes expenses for assessment, evaluation, treatment, management, and follow-up care.

view sponsor memo
BILL NUMBER:S3951A

TITLE OF BILL: An act to amend the insurance law, in relation to
mandatory health insurance coverage for providing prosthetic devices

PURPOSE OR GENERAL IDEA OF BILL: To provide mandatory coverage for
prosthetic devices for children who periodically need to have these
devices altered or replaced due to normal physical growth, for adults
whose conditions change and to account for updated technology, repair
and replacement.

SUMMARY OF SPECIFIC PROVISIONS:

Sections 1, 2 & 3: Amends subsection (i) of section 3216, subsection
(1) of section 3221, and section 4303 of the Insurance Law to require
that every policy which provides medical, major medical, or similar
comprehensive type coverage shall include coverage equal to or above
Medicare's standard of coverage for prosthetic devices.

Section 4:Effective date.

JUSTIFICATION: Though not as common as in adults, children, even
infants may need a prosthetic device due to the loss of a limb. The
overwhelming experience for a child of losing a limb does not need to
be compounded by a long battle to pay for treatment. This legislation
will provide coverage to children and adults for prosthetic devices
and to replace or change these devices as needed to account for
natural growth and repairs of such devices.

LEGISLATIVE HISTORY: S.2893 of 2010: Died in Senate Insurance
Committee, Died in Assembly Insurance Committee S.2893 of 2009: Died
in Senate Insurance Committee, Died in Assembly Insurance Committee
S.1672 of 2008: Died in Senate Insurance Committee, Died in Assembly
Insurance Committee S.1672 of 2007: Died in Senate Insurance
Committee, Died in Assembly Insurance Committee S.599 of 2006:Died in
Senate Insurance Committee, Died in Assembly Insurance Committee S.599
of 2005:Died in Senate Insurance Committee, Died in Assembly Insurance
Committee

FISCAL IMPLICATIONS: None to the state.

EFFECTIVE DATE: This act shall take effect on the ninetieth 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.

view full text
download pdf
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                 3951--A

                       2013-2014 Regular Sessions

                            I N  S E N A T E

                            February 28, 2013
                               ___________

Introduced  by  Sens. BONACIC, ROBACH -- read twice and ordered printed,
  and when printed to be committed to  the  Committee  on  Insurance  --
  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 30 to read as follows:
  (30) EVERY POLICY WHICH PROVIDES MEDICAL, MAJOR  MEDICAL,  OR  SIMILAR
COMPREHENSIVE  TYPE  COVERAGE  SHALL  INCLUDE COVERAGE EQUAL TO OR ABOVE
MEDICARE'S STANDARD OF COVERAGE FOR  PROSTHETIC  DEVICES.    THIS  SHALL
INCLUDE  COVERAGE  NOT  ONLY  FOR  THE  PROVISION OF A PROSTHETIC DEVICE
REQUIRED TO BE WORN OR USED BY A POLICY HOLDER BUT ALSO  THE  REPAIR  OR
REPLACEMENT  OF  A  PROSTHETIC  DEVICE  REQUIRED TO BE WORN OR USED BY A
POLICY HOLDER. COVERAGE SHALL INCLUDE EXPENSES  FOR  ASSESSMENT,  EVALU-
ATION,  TREATMENT, MANAGEMENT, AND FOLLOW-UP CARE. COVERAGE SHALL NOT BE
DENIED ON THE GROUND THAT IT IS FOR COSMETIC PURPOSES OR IS  NOT  FOR  A
FUNCTIONAL DEFECT OR IMPAIRMENT. THE TERM "PROSTHETIC DEVICE" AS USED IN
THIS SECTION INCLUDES AN ARTIFICIAL LIMB OR ARTIFICIAL EYE BUT SHALL NOT
INCLUDE  SHOES  OR  ANY  OTHER  ARTICLE  CONSIDERED  AS ORDINARY WEARING
APPAREL, WHETHER OR NOT SPECIALLY CONSTRUCTED.
  S 2. Subsection (l) of section 3221 of the insurance law is amended by
adding a new paragraph 19 to read as follows:
  (19) EVERY POLICY WHICH PROVIDES MEDICAL, MAJOR  MEDICAL,  OR  SIMILAR
COMPREHENSIVE  TYPE  COVERAGE  SHALL  INCLUDE COVERAGE EQUAL TO OR ABOVE
MEDICARE'S STANDARD OF COVERAGE FOR  PROSTHETIC  DEVICES.    THIS  SHALL
INCLUDE  COVERAGE  NOT  ONLY  FOR  THE  PROVISION OF A PROSTHETIC DEVICE
REQUIRED TO BE WORN OR USED BY A POLICY HOLDER BUT ALSO  THE  REPAIR  OR

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
                                                           LBD02404-02-4

S. 3951--A                          2

REPLACEMENT  OF  A  PROSTHETIC  DEVICE  REQUIRED TO BE WORN OR USED BY A
POLICY HOLDER. COVERAGE SHALL INCLUDE EXPENSES  FOR  ASSESSMENT,  EVALU-
ATION,  TREATMENT, MANAGEMENT, AND FOLLOW-UP CARE. COVERAGE SHALL NOT BE
DENIED  ON  THE  GROUND THAT IT IS FOR COSMETIC PURPOSES OR IS NOT FOR A
FUNCTIONAL DEFECT OR IMPAIRMENT. THE TERM "PROSTHETIC DEVICE" AS USED IN
THIS SECTION INCLUDES AN ARTIFICIAL LIMB OR ARTIFICIAL EYE BUT SHALL NOT
INCLUDE SHOES OR  ANY  OTHER  ARTICLE  CONSIDERED  AS  ORDINARY  WEARING
APPAREL, WHETHER OR NOT SPECIALLY CONSTRUCTED.
  S  3.  Section  4303  of  the insurance law is amended by adding a new
subsection (oo) to read as follows:
  (OO) EVERY POLICY WHICH PROVIDES MEDICAL, MAJOR  MEDICAL,  OR  SIMILAR
COMPREHENSIVE  TYPE  COVERAGE  SHALL  INCLUDE COVERAGE EQUAL TO OR ABOVE
MEDICARE'S STANDARD OF COVERAGE FOR  PROSTHETIC  DEVICES.    THIS  SHALL
INCLUDE  COVERAGE  NOT  ONLY  FOR  THE  PROVISION OF A PROSTHETIC DEVICE
REQUIRED TO BE WORN OR USED BY A POLICY HOLDER BUT ALSO  THE  REPAIR  OR
REPLACEMENT  OF  A  PROSTHETIC  DEVICE  REQUIRED TO BE WORN OR USED BY A
POLICY HOLDER. COVERAGE SHALL INCLUDE EXPENSES  FOR  ASSESSMENT,  EVALU-
ATION,  TREATMENT, MANAGEMENT, AND FOLLOW-UP CARE. COVERAGE SHALL NOT BE
DENIED ON THE GROUND THAT IT IS FOR COSMETIC PURPOSES OR IS  NOT  FOR  A
FUNCTIONAL DEFECT OR IMPAIRMENT. THE TERM "PROSTHETIC DEVICE" AS USED IN
THIS SECTION INCLUDES AN ARTIFICIAL LIMB OR ARTIFICIAL EYE BUT SHALL NOT
INCLUDE  SHOES  OR  ANY  OTHER  ARTICLE  CONSIDERED  AS ORDINARY WEARING
APPAREL, WHETHER OR NOT SPECIALLY CONSTRUCTED.
  S 4. This act shall take effect on the ninetieth 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.

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