S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   11028
 
                           I N  A S S E M B L Y
 
                              October 7, 2020
                                ___________
 
 Introduced  by COMMITTEE ON RULES -- (at request of M. of A. Cymbrowitz)
   -- read once and referred to the Committee on Insurance
 
 AN ACT to amend the insurance  law,  in  relation  to  requiring  health
   insurance providers to cover the costs of colorectal cancer screenings
 
   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 11-b to read as follows:
   (11-B) (A) EVERY POLICY DELIVERED OR ISSUED FOR DELIVERY IN THIS STATE
 WHICH  PROVIDES  MEDICAL  COVERAGE  THAT INCLUDES COVERAGE FOR PHYSICIAN
 SERVICES IN A PHYSICIAN'S OFFICE AND EVERY POLICY WHICH  PROVIDES  MAJOR
 MEDICAL  OR  SIMILAR COMPREHENSIVE-TYPE COVERAGE SHALL PROVIDE, UPON THE
 PRESCRIPTION OF A HEALTH CARE PROVIDER LEGALLY AUTHORIZED  TO  PRESCRIBE
 UNDER  TITLE  EIGHT OF THE EDUCATION LAW, COVERAGE FOR COLORECTAL CANCER
 SCREENING FOR PERSONS FORTY-FIVE YEARS OF AGE OR  OLDER.  SUCH  COVERAGE
 SHALL  INCLUDE  AN  ANNUAL SCREENING USING THE STOOL-BASED FECAL IMMUNO-
 CHEMICAL TEST OR THE  GUAIAC-BASED  FECAL  OCCULT  BLOOD  TEST.  IF  THE
 RESULTS  OF  SUCH  TEST ARE POSITIVE FOR SIGNS OF CANCER, COVERAGE SHALL
 ALSO BE PROVIDED FOR A FOLLOW-UP VISUAL EXAMINATION.
   (B) SUCH COVERAGE MAY BE SUBJECT TO ANNUAL DEDUCTIBLES AND COINSURANCE
 AS MAY BE DEEMED APPROPRIATE BY THE SUPERINTENDENT AND AS ARE CONSISTENT
 WITH THOSE ESTABLISHED FOR OTHER BENEFITS WITHIN A GIVEN POLICY.
   § 2. Subsection (l) of section 3221 of the insurance law is amended by
 adding a new paragraph 11-b to read as follows:
   (11-B) (A) EVERY POLICY DELIVERED OR ISSUED FOR DELIVERY IN THIS STATE
 WHICH PROVIDES MEDICAL COVERAGE THAT  INCLUDES  COVERAGE  FOR  PHYSICIAN
 SERVICES  IN  A PHYSICIAN'S OFFICE AND EVERY POLICY WHICH PROVIDES MAJOR
 MEDICAL OR SIMILAR COMPREHENSIVE-TYPE COVERAGE SHALL PROVIDE,  UPON  THE
 PRESCRIPTION  OF  A HEALTH CARE PROVIDER LEGALLY AUTHORIZED TO PRESCRIBE
 UNDER TITLE EIGHT OF THE EDUCATION LAW, COVERAGE FOR  COLORECTAL  CANCER
 SCREENING  FOR  PERSONS  FORTY-FIVE YEARS OF AGE OR OLDER. SUCH COVERAGE
 SHALL INCLUDE AN ANNUAL SCREENING USING THE  STOOL-BASED  FECAL  IMMUNO-
 CHEMICAL  TEST  OR  THE  GUAIAC-BASED  FECAL  OCCULT  BLOOD TEST. IF THE
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
              

                                                            LBD17289-01-0

 A. 11028                            2

 RESULTS OF SUCH TEST ARE POSITIVE FOR SIGNS OF  CANCER,  COVERAGE  SHALL
 ALSO BE PROVIDED FOR A FOLLOW-UP VISUAL EXAMINATION.
   (B) SUCH COVERAGE MAY BE SUBJECT TO ANNUAL DEDUCTIBLES AND COINSURANCE
 AS MAY BE DEEMED APPROPRIATE BY THE SUPERINTENDENT AND AS ARE CONSISTENT
 WITH THOSE ESTABLISHED FOR OTHER BENEFITS WITHIN A GIVEN POLICY.
   §  3.  Section  4303  of  the insurance law is amended by adding a new
 subsection (z-2) to read as follows:
   (Z-2) (1) EVERY POLICY DELIVERED OR ISSUED FOR DELIVERY IN THIS  STATE
 WHICH  PROVIDES  MEDICAL  COVERAGE  THAT INCLUDES COVERAGE FOR PHYSICIAN
 SERVICES IN A PHYSICIAN'S OFFICE AND EVERY POLICY WHICH  PROVIDES  MAJOR
 MEDICAL  OR  SIMILAR COMPREHENSIVE-TYPE COVERAGE SHALL PROVIDE, UPON THE
 PRESCRIPTION OF A HEALTH CARE PROVIDER LEGALLY AUTHORIZED  TO  PRESCRIBE
 UNDER  TITLE  EIGHT OF THE EDUCATION LAW, COVERAGE FOR COLORECTAL CANCER
 SCREENING FOR PERSONS FORTY-FIVE YEARS OF AGE OR  OLDER.  SUCH  COVERAGE
 SHALL  INCLUDE  AN  ANNUAL SCREENING USING THE STOOL-BASED FECAL IMMUNO-
 CHEMICAL TEST OR THE  GUAIAC-BASED  FECAL  OCCULT  BLOOD  TEST.  IF  THE
 RESULTS  OF  SUCH  TEST ARE POSITIVE FOR SIGNS OF CANCER, COVERAGE SHALL
 ALSO BE PROVIDED FOR A FOLLOW-UP VISUAL EXAMINATION.
   (2) SUCH COVERAGE MAY BE SUBJECT TO ANNUAL DEDUCTIBLES AND COINSURANCE
 AS MAY BE DEEMED APPROPRIATE BY THE SUPERINTENDENT AND AS ARE CONSISTENT
 WITH THOSE ESTABLISHED FOR OTHER BENEFITS WITHIN A GIVEN POLICY.
   § 4. This act shall take effect on the ninetieth day  after  it  shall
 have become a law and shall apply to all policies issued, renewed, modi-
 fied or altered on or after such date.