S T A T E O F N E W Y O R K
________________________________________________________________________
3953
2015-2016 Regular Sessions
I N A S S E M B L Y
January 28, 2015
___________
Introduced by M. of A. MORELLE, MARKEY, CLARK -- Multi-Sponsored by --
M. of A. COLTON, COOK, GALEF, HOOPER, NOLAN, ORTIZ, WRIGHT -- read
once and referred to the Committee on Insurance
AN ACT to amend the insurance law, in relation to mandatory health
insurance coverage for cleft lip and cleft palate
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 32 to read as follows:
(32) EVERY POLICY WHICH PROVIDES MEDICAL, MAJOR MEDICAL, OR SIMILAR
COMPREHENSIVE-TYPE COVERAGE SHALL INCLUDE COVERAGE FOR CLEFT LIP AND
CLEFT PALATE. THIS SHALL INCLUDE COVERAGE NOT ONLY FOR TREATMENT OF THE
GROSS ABNORMALITIES OF LIP AND PALATE BUT ALSO FOR ANY CONDITION OR
ILLNESS WHICH IS RELATED TO OR DEVELOPED AS A RESULT OF CLEFT LIP AND/OR
PALATE. COVERAGE SHALL INCLUDE, BUT NOT BE LIMITED TO, EXPENSES FOR THE
FOLLOWING:
(A) ORAL SURGERY OF THE LIP, PALATE, JAW AND RELATED STRUCTURES. THIS
SHALL INCLUDE BONE GRAFTS;
(B) FACIAL SURGERY OF THE LIP, PALATE, JAW, NOSE AND RELATED STRUC-
TURES. THIS SHALL INCLUDE BONE GRAFTS;
(C) PROSTHETIC TREATMENT AND APPLIANCES AND PROSTHODONTIA, INCLUDING
OBTURATORS, SPEECH APPLIANCES, AND FEEDING APPLIANCES;
(D) ORTHODONTIC TREATMENT AND APPLIANCES AND ORTHODONTIA;
(E) PREVENTIVE AND RESTORATIVE DENTISTRY;
(F) OTOLARYNGOLOGY TREATMENT AND MANAGEMENT;
(G) AUDIOLOGICAL TREATMENT AND DEVICES;
(H) SPEECH/LANGUAGE TREATMENT; AND
(I) PSYCHOLOGICAL COUNSELING AND GENETIC COUNSELING.
COVERAGE SHALL INCLUDE EXPENSES FOR ASSESSMENT, EVALUATION, TREATMENT,
MANAGEMENT, AND FOLLOW-UP CARE. COVERAGE SHALL NOT BE DENIED ON THE
EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
[ ] is old law to be omitted.
LBD04675-02-5
A. 3953 2
GROUND THAT IT IS FOR COSMETIC PURPOSES OR IS NOT FOR A FUNCTIONAL
DEFECT OR IMPAIRMENT.
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 FOR CLEFT LIP AND
CLEFT PALATE. THIS SHALL INCLUDE COVERAGE NOT ONLY FOR TREATMENT OF THE
GROSS ABNORMALITIES OF LIP AND PALATE BUT ALSO FOR ANY CONDITION OR
ILLNESS WHICH IS RELATED TO OR DEVELOPED AS A RESULT OF CLEFT LIP AND/OR
PALATE. COVERAGE SHALL INCLUDE, BUT NOT BE LIMITED TO, EXPENSES FOR THE
FOLLOWING:
(A) ORAL SURGERY OF THE LIP, PALATE, JAW AND RELATED STRUCTURES. THIS
SHALL INCLUDE BONE GRAFTS;
(B) FACIAL SURGERY OF THE LIP, PALATE, JAW, NOSE AND RELATED STRUC-
TURES. THIS SHALL INCLUDE BONE GRAFTS;
(C) PROSTHETIC TREATMENT AND APPLIANCES AND PROSTHODONTIA, INCLUDING
OBTURATORS, SPEECH APPLIANCES, AND FEEDING APPLIANCES;
(D) ORTHODONTIC TREATMENT AND APPLIANCES AND ORTHODONTIA;
(E) PREVENTIVE AND RESTORATIVE DENTISTRY;
(F) OTOLARYNGOLOGY TREATMENT AND MANAGEMENT;
(G) AUDIOLOGICAL TREATMENT AND DEVICES;
(H) SPEECH/LANGUAGE TREATMENT; AND
(I) PSYCHOLOGICAL COUNSELING AND GENETIC COUNSELING.
COVERAGE SHALL INCLUDE EXPENSES FOR ASSESSMENT, EVALUATION, 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.
S 3. Section 4303 of the insurance law is amended by adding a new
subsection (pp) to read as follows:
(PP) EVERY POLICY WHICH PROVIDES MEDICAL, MAJOR MEDICAL, OR SIMILAR
COMPREHENSIVE-TYPE COVERAGE SHALL INCLUDE COVERAGE FOR CLEFT LIP AND
CLEFT PALATE. THIS SHALL INCLUDE COVERAGE NOT ONLY FOR TREATMENT OF THE
GROSS ABNORMALITIES OF LIP AND PALATE BUT ALSO FOR ANY CONDITION OR
ILLNESS WHICH IS RELATED TO OR DEVELOPED AS A RESULT OF CLEFT LIP AND/OR
PALATE. COVERAGE SHALL INCLUDE, BUT NOT BE LIMITED TO, EXPENSES FOR THE
FOLLOWING:
(1) ORAL SURGERY OF THE LIP, PALATE, JAW AND RELATED STRUCTURES. THIS
SHALL INCLUDE BONE GRAFTS;
(2) FACIAL SURGERY OF THE LIP, PALATE, JAW, NOSE AND RELATED STRUC-
TURES. THIS SHALL INCLUDE BONE GRAFTS;
(3) PROSTHETIC TREATMENT AND APPLIANCES AND PROSTHODONTIA, INCLUDING
OBTURATORS, SPEECH APPLIANCES, AND FEEDING APPLIANCES;
(4) ORTHODONTIC TREATMENT AND APPLIANCES AND ORTHODONTIA;
(5) PREVENTIVE AND RESTORATIVE DENTISTRY;
(6) OTOLARYNGOLOGY TREATMENT AND MANAGEMENT;
(7) AUDIOLOGICAL TREATMENT AND DEVICES;
(8) SPEECH/LANGUAGE TREATMENT; AND
(9) PSYCHOLOGICAL COUNSELING AND GENETIC COUNSELING.
COVERAGE SHALL INCLUDE EXPENSES FOR ASSESSMENT, EVALUATION, 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.
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 date.