NY State Senate Bill 2025-S634B

Senate Bill S634B

2025-2026 Legislative Session

Requires certain health insurance policies to provide coverage for diabetes and prediabetes screening

download bill text pdf

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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Actions

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	Assembly Actions - Lowercase Senate Actions - UPPERCASE
May 14, 2025	print number 634b
May 14, 2025	amend (t) and recommit to insurance
Apr 25, 2025	print number 634a
Apr 25, 2025	amend (t) and recommit to insurance
Jan 08, 2025	referred to insurance

Bill Amendments

Original

B (Active)

2025-S634 - Details

Current Committee:: Senate Insurance
Law Section:: Insurance Law
Laws Affected:: Amd §§3216, 3221 & 4303, Ins L
Versions Introduced in 2023-2024 Legislative Session:: S9372

2025-S634 - Summary

Requires certain health insurance policies to provide coverage for diabetes and prediabetes screening.

2025-S634 - Sponsor Memo

                                 
BILL NUMBER: S634

SPONSOR: LIU
 
TITLE OF BILL:

An act to amend the insurance law, in relation to requiring certain
health insurance policies to provide coverage for diabetes screening for
people of Asian American or Pacific Island descent if they have a body
mass index of 23 or greater

 
PURPOSE OR GENERAL IDEA OF BILL:

Requires certain health insurance policies to provide coverage for
diabetes screening for people of Asian American or Pacific Islander
descent if they have a body mass index of 23 KG/M2 or greater.

 
SUMMARY OF PROVISIONS:

Sections 1 to 3 amend the insurance law to require health insurance
policies to include coverage for diabetes and prediabetes screening for
Asian Americans and Pacific Islanders with a BMI of 23 KG/M2 or greater.

Section 4 provides the effective date.

 
JUSTIFICATION:

Research has shown that Asian Americans are at a higher risk for type 2
diabetes. The American Diabetes Association (ADA), National Institutes
of Health (NIH), and the Centers for Disease Control (CDC) have all
acknowledged that Asian Americans should be screened for diabetes at a
lower BMI than other ethnicities.

For example, eligibility for the CDC's National Diabetes Prevention
Program shows that Asian Americans should be screened at a BMI of 23 or
greater compared to a BMI of 25 or greater for the rest of the popu-
lation.

https://www.cdc.gov/diabetes/prevention/program-eligibility.html

This bill will allow for diabetes screenings to occur at the appropriate
BMI levels for Asian Americans by providing for health insurance cover-
age of those screenings. This would encourage more preventative care and
allow this costly disease to be caught and treated early.

 
PRIOR LEGISLATIVE HISTORY:

05/14/24 REFERRED TO INSURANCE  
FISCAL IMPLICATIONS FOR STATE AND LOCAL
GOVERNMENTS:

None

 
EFFECTIVE DATE:
This act shall take effect immediately and shall apply to policies and
contracts issued, renewed, modified, altered or amended on or after such
effective date

2025-S634 - Bill Text download pdf

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                    634
 
                        2025-2026 Regular Sessions
 
                             I N  S E N A T E
 
                                (PREFILED)
 
                              January 8, 2025
                                ___________
 
 Introduced  by  Sen.  LIU  --  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  certain
   health  insurance  policies to provide coverage for diabetes screening
   for people of Asian American or Pacific Island descent if they have  a
   body mass index of 23 or greater
 
   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 15-b to read as follows:
   (15-B)  (A) EVERY POLICY 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  INCLUDE  COVERAGE  FOR SCREENING FOR DIABETES AND PREDIABETES FOR
 PERSONS OF ASIAN AMERICAN AND PACIFIC ISLANDER DESCENT WHOSE  BODY  MASS
 INDEX IS 23 KG/M2 OR GREATER.
   (B)  A POLICY SUBJECT TO THIS PARAGRAPH SHALL NOT IMPOSE A DEDUCTIBLE,
 CO-INSURANCE, CO-PAYMENT, OR ANY OTHER COST-SHARING REQUIREMENT ON  SUCH
 COVERAGE PROVIDED PURSUANT TO THIS PARAGRAPH.
   § 2. Subsection (k) of section 3221 of the insurance law is amended by
 adding a new paragraph 7-a to read as follows:
   (7-A)  (A) EVERY GROUP OR BLANKET ACCIDENT AND HEALTH INSURANCE POLICY
 ISSUED 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  COMPRE-
 HENSIVE-TYPE  COVERAGE SHALL INCLUDE COVERAGE FOR SCREENING FOR DIABETES
 AND PREDIABETES FOR PERSONS  OF  ASIAN  AMERICAN  AND  PACIFIC  ISLANDER
 DESCENT WHOSE BODY MASS INDEX IS 23 KG/M2 OR GREATER.
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD01888-01-5
 S. 634                              2

 
   (B)  A  GROUP  OR  BLANKET  POLICY SUBJECT TO THIS PARAGRAPH SHALL NOT
 IMPOSE A DEDUCTIBLE, CO-INSURANCE, CO-PAYMENT, OR ANY OTHER COST-SHARING
 REQUIREMENT ON SUCH COVERAGE PROVIDED PURSUANT TO THIS PARAGRAPH.
   §  3.  Subsection (u-1) of section 4303 of the insurance law is renum-
 bered subsection (u-2) and a new subsection (u-1) is added  to  read  as
 follows:
   (U-1)  (1) A MEDICAL EXPENSE INDEMNITY CORPORATION OR A HEALTH SERVICE
 CORPORATION 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
 INCLUDE  COVERAGE FOR SCREENING FOR DIABETES AND PREDIABETES FOR PERSONS
 OF ASIAN AMERICAN AND PACIFIC ISLANDER DESCENT WHOSE BODY MASS INDEX  IS
 23 KG/M2 OR GREATER.
   (2)  A  CONTRACT SUBJECT TO THIS SUBSECTION SHALL NOT IMPOSE A DEDUCT-
 IBLE, COINSURANCE, COPAYMENT, OR ANY OTHER COST-SHARING  REQUIREMENT  ON
 SUCH COVERAGE PROVIDED PURSUANT TO THIS SUBSECTION.
   §  4.  This act shall take effect immediately and shall apply to poli-
 cies and contracts issued, renewed, modified, altered or amended  on  or
 after such effective date.

2025-S634A - Details

Current Committee:: Senate Insurance
Law Section:: Insurance Law
Laws Affected:: Amd §§3216, 3221 & 4303, Ins L
Versions Introduced in 2023-2024 Legislative Session:: S9372

2025-S634A - Summary

Requires certain health insurance policies to provide coverage for diabetes and prediabetes screening.

2025-S634A - Sponsor Memo

                                 
BILL NUMBER: S634A

SPONSOR: LIU
 
TITLE OF BILL:

An act to amend the insurance law, in relation to requiring certain
health insurance policies to provide coverage for diabetes screening for
people having a body mass index of 23 or greater

 
PURPOSE OR GENERAL IDEA OF BILL:

Requires certain health insurance policies to provide coverage for
diabetes screening for people if they have a body mass index of 23 KG/M2
or greater.

 
SUMMARY OF PROVISIONS:

Sections 1 to 3 amend the insurance law to require health insurance
policies to include coverage for diabetes and prediabetes screening for
individuals with a BMI of 23 KG/M2 or greater.

Section 4 provides the effective date.

 
JUSTIFICATION:

Research has shown that certain populations have varying risk for type 2
diabetes, and that current Body Mass Index (BMI) guidelines may be inad-
equate in addressing and diagnosing type 2 diabetes in certain popu-
lations.

For example, The American Diabetes Association (ADA), National Insti-
tutes of Health (NIH), and the Centers for Disease Control (CDC) have
all acknowledged that Asian Americans should be screened for diabetes at
a lower BMI than other ethnicities. Eligibility for the CDC's National
Diabetes Prevention Program shows that Asian Americans should be
screened at a BMI of 23 or greater compared to a BMI of 25 or greater
for the rest of the population.

This bill will allow for diabetes and prediabetes screenings to occur at
more inclusive levels of BMI to address the varying risk factors for
certain populations by providing for health insurance coverage of those
screenings, giving medical professionals and patients more flexibility
in obtaining care.

Further, this would encourage more preventative care and allow this
costly disease to be caught and treated early, lowering expenses for
patients and healthcare systems in the long run.

 
PRIOR LEGISLATIVE HISTORY:

05/14/24 REFERRED TO INSURANCE

 
FISCAL IMPLICATIONS FOR STATE AND LOCAL GOVERNMENTS

None

 
EFFECTIVE DATE:
This act shall take effect immediately and shall apply to policies and
contracts issued, renewed, modified, altered or amended on or after such
effective date

2025-S634A - Bill Text download pdf

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                  634--A
 
                        2025-2026 Regular Sessions
 
                             I N  S E N A T E
 
                                (PREFILED)
 
                              January 8, 2025
                                ___________
 
 Introduced  by  Sen.  LIU  --  read  twice and ordered printed, and when
   printed to be committed to the Committee  on  Insurance  --  committee
   discharged, bill amended, ordered reprinted as amended and recommitted
   to said committee

 AN  ACT  to  amend  the  insurance law, in relation to requiring certain
   health insurance policies to provide coverage for  diabetes  screening
   for people having a body mass index of 23 or greater
 
   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 15-b to read as follows:
   (15-B)  (A) EVERY POLICY 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  INCLUDE  COVERAGE  FOR SCREENING FOR DIABETES AND PREDIABETES FOR
 PERSONS WHOSE BODY MASS INDEX IS 23 KG/M2 OR GREATER.
   (B) A POLICY SUBJECT TO THIS PARAGRAPH SHALL NOT IMPOSE A  DEDUCTIBLE,
 CO-INSURANCE,  CO-PAYMENT, OR ANY OTHER COST-SHARING REQUIREMENT ON SUCH
 COVERAGE PROVIDED PURSUANT TO THIS PARAGRAPH.
   § 2. Subsection (k) of section 3221 of the insurance law is amended by
 adding a new paragraph 7-a to read as follows:
   (7-A) (A) EVERY GROUP OR BLANKET ACCIDENT AND HEALTH INSURANCE  POLICY
 ISSUED  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 COMPRE-
 HENSIVE-TYPE COVERAGE SHALL INCLUDE COVERAGE FOR SCREENING FOR  DIABETES
 AND  PREDIABETES FOR PERSONS WHOSE BODY MASS INDEX IS 23 KG/M2 OR GREAT-
 ER.

  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD01888-02-5
 S. 634--A                           2

 
   (B) A GROUP OR BLANKET POLICY SUBJECT  TO  THIS  PARAGRAPH  SHALL  NOT
 IMPOSE A DEDUCTIBLE, CO-INSURANCE, CO-PAYMENT, OR ANY OTHER COST-SHARING
 REQUIREMENT ON SUCH COVERAGE PROVIDED PURSUANT TO THIS PARAGRAPH.
   §  3.  Subsection (u-1) of section 4303 of the insurance law is renum-
 bered subsection (u-2) and a new subsection (u-1) is added  to  read  as
 follows:
   (U-1)  (1) A MEDICAL EXPENSE INDEMNITY CORPORATION OR A HEALTH SERVICE
 CORPORATION 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
 INCLUDE  COVERAGE FOR SCREENING FOR DIABETES AND PREDIABETES FOR PERSONS
 WHOSE BODY MASS INDEX IS 23 KG/M2 OR GREATER.
   (2) A CONTRACT SUBJECT TO THIS SUBSECTION SHALL NOT IMPOSE  A  DEDUCT-
 IBLE,  COINSURANCE,  COPAYMENT, OR ANY OTHER COST-SHARING REQUIREMENT ON
 SUCH COVERAGE PROVIDED PURSUANT TO THIS SUBSECTION.
   § 4. This act shall take effect immediately and shall apply  to  poli-
 cies  and  contracts issued, renewed, modified, altered or amended on or
 after such effective date.

2025-S634B (ACTIVE) - Details

Current Committee:: Senate Insurance
Law Section:: Insurance Law
Laws Affected:: Amd §§3216, 3221 & 4303, Ins L
Versions Introduced in 2023-2024 Legislative Session:: S9372

2025-S634B (ACTIVE) - Summary

Requires certain health insurance policies to provide coverage for diabetes and prediabetes screening.

2025-S634B (ACTIVE) - Sponsor Memo

                                 
BILL NUMBER: S634B

SPONSOR: LIU
 
TITLE OF BILL:

An act to amend the insurance law, in relation to requiring certain
health insurance policies to provide coverage for diabetes and predia-
betes screening

SUMMARY OF PROVISIONS:

Sections 1 to 3 amend the insurance law to require health insurance
policies to include coverage for diabetes and prediabetes screening
pursuant to a national evidence-based practice guideline.

Section 4 provides the effective date.

 
JUSTIFICATION:

Research has shown that certain populations have varying risk for type 2
diabetes, and that current Body Mass Index (BMI) guidelines may be inad-
equate in addressing and diagnosing type 2 diabetes in certain popu-
lations.

For example, The American Diabetes Association (ADA), National Insti-
tutes of Health (NIH), and the Centers for Disease Control (CDC) have
all acknowledged that Asian Americans should be screened for diabetes at
a lower BMI than other ethnicities. Eligibility for the CDC's National
Diabetes Prevention Program shows that Asian Americans should be
screened at a BMI of 23 or greater compared to a BMI of 25 or greater
for the rest of the population.

This bill will allow for diabetes and prediabetes screenings to occur at
more inclusive levels of BMI by following national evidence-based prac-
tice guidelines to address the varying risk factors for certain popu-
lations by providing for health insurance coverage of those screenings,
giving medical professionals and patients more flexibility in obtaining
care.

Further, this would encourage more preventative care and allow this
costly disease to be caught and treated early, lowering expenses for
patients and healthcare systems in the long run.

 
PRIOR LEGISLATIVE HISTORY:

05/14/24 REFERRED TO INSURANCE

 
FISCAL IMPLICATIONS FOR STATE AND LOCAL GOVERNMENTS:

None

 
EFFECTIVE DATE:
This act shall take effect immediately and shall apply to policies and
contracts issued, renewed, modified, altered or amended on or after such
effective date

2025-S634B (ACTIVE) - Bill Text download pdf

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                  634--B
 
                        2025-2026 Regular Sessions
 
                             I N  S E N A T E
 
                                (PREFILED)
 
                              January 8, 2025
                                ___________
 
 Introduced  by  Sen.  LIU  --  read  twice and ordered printed, and when
   printed to be committed to the Committee  on  Insurance  --  committee
   discharged, bill amended, ordered reprinted as amended and recommitted
   to  said  committee  --  committee  discharged,  bill amended, ordered
   reprinted as amended and recommitted to said committee
 
 AN ACT to amend the insurance law,  in  relation  to  requiring  certain
   health insurance policies to provide coverage for diabetes and predia-
   betes screening
 
   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 15-b to read as follows:
   (15-B)  (A) EVERY POLICY 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 INCLUDE COVERAGE FOR SCREENING FOR DIABETES AND PREDIABETES PURSU-
 ANT TO A NATIONAL EVIDENCE-BASED PRACTICE GUIDELINE.
   (B)  A POLICY SUBJECT TO THIS PARAGRAPH SHALL NOT IMPOSE A DEDUCTIBLE,
 CO-INSURANCE, CO-PAYMENT, OR ANY OTHER COST-SHARING REQUIREMENT ON  SUCH
 COVERAGE PROVIDED PURSUANT TO THIS PARAGRAPH.
   § 2. Subsection (k) of section 3221 of the insurance law is amended by
 adding a new paragraph 7-a to read as follows:
   (7-A)  (A) EVERY GROUP OR BLANKET ACCIDENT AND HEALTH INSURANCE POLICY
 ISSUED 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  COMPRE-
 HENSIVE-TYPE  COVERAGE SHALL INCLUDE COVERAGE FOR SCREENING FOR DIABETES
 AND PREDIABETES PURSUANT TO A NATIONAL  EVIDENCE-BASED  PRACTICE  GUIDE-
 LINE.
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD01888-04-5

 S. 634--B                           2
 
   (B)  A  GROUP  OR  BLANKET  POLICY SUBJECT TO THIS PARAGRAPH SHALL NOT
 IMPOSE A DEDUCTIBLE, CO-INSURANCE, CO-PAYMENT, OR ANY OTHER COST-SHARING
 REQUIREMENT ON SUCH COVERAGE PROVIDED PURSUANT TO THIS PARAGRAPH.
   §  3.  Subsection (u-1) of section 4303 of the insurance law is renum-
 bered subsection (u-2) and a new subsection (u-1) is added  to  read  as
 follows:
   (U-1)  (1) A MEDICAL EXPENSE INDEMNITY CORPORATION OR A HEALTH SERVICE
 CORPORATION 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
 INCLUDE  COVERAGE FOR SCREENING FOR DIABETES AND PREDIABETES PURSUANT TO
 A NATIONAL EVIDENCE-BASED PRACTICE GUIDELINE.
   (2) A CONTRACT SUBJECT TO THIS SUBSECTION SHALL NOT IMPOSE  A  DEDUCT-
 IBLE, CO-INSURANCE, CO-PAYMENT, OR ANY OTHER COST-SHARING REQUIREMENT ON
 SUCH COVERAGE PROVIDED PURSUANT TO THIS SUBSECTION.
   §  4.  This act shall take effect immediately and shall apply to poli-
 cies and contracts issued, renewed, modified, altered or amended  on  or
 after such effective date.

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Senate Bill S634B

Share this bill

Sponsored By

John C. Liu

Current Bill Status - In Senate Committee Insurance Committee

Bill Amendments

2025-S634 - Details

2025-S634 - Summary

2025-S634 - Sponsor Memo

2025-S634 - Bill Text download pdf

2025-S634A - Details

2025-S634A - Summary

2025-S634A - Sponsor Memo

2025-S634A - Bill Text download pdf

2025-S634B (ACTIVE) - Details

2025-S634B (ACTIVE) - Summary

2025-S634B (ACTIVE) - Sponsor Memo

2025-S634B (ACTIVE) - Bill Text download pdf

Comments