S T A T E O F N E W Y O R K
________________________________________________________________________
6494
2025-2026 Regular Sessions
I N S E N A T E
March 14, 2025
___________
Introduced by Sen. CLEARE -- read twice and ordered printed, and when
printed to be committed to the Committee on Women's Issues
AN ACT to amend the insurance law, in relation to requiring health
insurance policies to include coverage for doula services as required
coverage for maternity care
THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
BLY, DO ENACT AS FOLLOWS:
Section 1. Item (i) of subparagraph (A) of paragraph 10 of subsection
(i) of section 3216 of the insurance law, as amended by chapter 238 of
the laws of 2010, is amended to read as follows:
(i) Every policy which provides hospital, surgical or medical coverage
shall provide coverage for maternity care, including hospital, surgical
or medical care to the same extent that hospital, surgical or medical
coverage is provided for illness or disease under the policy. Such
maternity care coverage, other than coverage for perinatal compli-
cations, shall include inpatient hospital coverage for mother and for
newborn for at least forty-eight hours after childbirth for any delivery
other than a caesarean section, and for at least ninety-six hours after
a caesarean section. Such coverage for maternity care shall include the
services of a DOULA AND THE SERVICES OF A midwife licensed pursuant to
article one hundred forty of the education law, practicing consistent
with section sixty-nine hundred fifty-one of the education law and
affiliated or practicing in conjunction with a facility licensed pursu-
ant to article twenty-eight of the public health law, but no insurer
shall be required to pay for duplicative routine services actually
provided by both a licensed midwife and a physician.
§ 2. Item (i) of subparagraph (A) of paragraph 5 of subsection (k) of
section 3221 of the insurance law, as amended by chapter 238 of the laws
of 2010, is amended to read as follows:
(i) Every group or blanket policy delivered or issued for delivery in
this state which provides hospital, surgical or medical coverage shall
EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
[ ] is old law to be omitted.
LBD09185-01-5
S. 6494 2
include coverage for maternity care, including hospital, surgical or
medical care to the same extent that coverage is provided for illness or
disease under the policy. Such maternity care coverage, other than
coverage for perinatal complications, shall include inpatient hospital
coverage for mother and newborn for at least forty-eight hours after
childbirth for any delivery other than a caesarean section, and for at
least ninety-six hours after a caesarean section. Such coverage for
maternity care shall include the services of a DOULA AND THE SERVICES OF
A midwife licensed pursuant to article one hundred forty of the educa-
tion law, practicing consistent with section sixty-nine hundred fifty-
one of the education law and affiliated or practicing in conjunction
with a facility licensed pursuant to article twenty-eight of the public
health law, but no insurer shall be required to pay for duplicative
routine services actually provided by both a licensed midwife and a
physician.
§ 3. Subparagraph (A) of paragraph 1 of subsection (c) of section 4303
of the insurance law, as amended by chapter 238 of the laws of 2010, is
amended to read as follows:
(A) Every contract issued by a corporation subject to the provisions
of this article which provides hospital service, medical expense indem-
nity or both shall provide coverage for maternity care including hospi-
tal, surgical or medical care to the same extent that hospital service,
medical expense indemnity or both are provided for illness or disease
under the contract. Such maternity care coverage, other than coverage
for perinatal complications, shall include inpatient hospital coverage
for mother and for newborn for at least forty-eight hours after child-
birth for any delivery other than a caesarean section, and for at least
ninety-six hours following a caesarean section. Such coverage for mater-
nity care shall include the services of a DOULA AND THE SERVICES OF A
midwife licensed pursuant to article one hundred forty of the education
law, practicing consistent with section sixty-nine hundred fifty-one of
the education law and affiliated or practicing in conjunction with a
facility licensed pursuant to article twenty-eight of the public health
law, but no insurer shall be required to pay for duplicative routine
services actually provided by both a licensed midwife and a physician.
§ 4. This act shall take effect on the one hundred eightieth day after
it shall have become a law and shall apply to all policies and contracts
issued, renewed, modified, altered or amended on or after such date.
Effective immediately the addition, amendment or repeal of any rule or
regulation necessary for the implementation of this act on its effective
date are authorized to be made and completed on or before such date.