Bill Text: NY A10300 | 2015-2016 | General Assembly | Introduced
Bill Title: Requires group health insurance policies offered in the large group market to provide coverage for hearing aids.
Spectrum: Partisan Bill (Democrat 1-0)
Status: (Introduced - Dead) 2016-05-20 - referred to insurance [A10300 Detail]
Download: New_York-2015-A10300-Introduced.html
STATE OF NEW YORK ________________________________________________________________________ 10300 IN ASSEMBLY May 20, 2016 ___________ Introduced by M. of A. PAULIN -- read once and referred to the Committee on Insurance AN ACT to amend the insurance law, in relation to requiring certain group health insurance policies to provide coverage for hearing aids The People of the State of New York, represented in Senate and Assem- bly, do enact as follows: 1 Section 1. Section 3221 of the insurance law is amended by adding a 2 new subsection (t) to read as follows: 3 (t) (1) Every group health insurance policy offered in the large group 4 market that is issued, amended, or renewed in this state shall provide 5 coverage for medically necessary hearing aids purchased from a hearing 6 aid dispenser registered under article thirty-seven-A of the general 7 business law or an audiologist licensed under article one hundred 8 fifty-nine of the education law in the following manner: 9 (A) For an insured person sixteen years of age or older, such insured 10 person shall be entitled to reimbursement of up to three thousand 11 dollars every thirty-six months for expenses related to the purchase of 12 up to two hearing aids. 13 (B) For an insured person who is less than sixteen years of age, such 14 insured person shall be entitled to reimbursement of up to two thousand 15 dollars every twenty-four months for expenses related to the purchase of 16 up to two hearing aids, when it is medically demonstrated that: 17 (i) the hearing of the insured person under the age of sixteen has 18 changed significantly within a two-year period; and 19 (ii) the existing hearing aid will no longer correct the hearing of 20 the insured person under the age of sixteen; such person shall be enti- 21 tled to reimbursement for additional hearing aid expenses. 22 (2)(A) For the purposes of this subsection, "hearing aid" shall mean 23 any wearable instrument or device designed for hearing and any parts, 24 attachments or accessories but excluding batteries and cords or accesso- 25 ries thereto. A registered hearing aid dispenser or licensed audiologist 26 shall determine the type of device needed to correct the hearing loss. 27 (B) For the purposes of this section, services for recasing, reshell- 28 ing and acquiring new molds shall be included as part of the policies. EXPLANATION--Matter in italics (underscored) is new; matter in brackets [] is old law to be omitted. LBD15482-02-6A. 10300 2 1 (3) The insured person may choose a hearing aid exceeding the amount 2 of coverage required by this section and shall be liable for the differ- 3 ence in cost. Reimbursement shall be provided according to the respec- 4 tive principles and policies of the health insurance plan and may 5 include such policy provisions as deductibles, coinsurance, allowable 6 charge limitations, and coordination of benefits. 7 § 2. Section 4305 of the insurance law is amended by adding a new 8 subsection (n) to read as follows: 9 (n) (1) A group contract issued, amended, or renewed pursuant to this 10 section offered in the large group market shall provide coverage for 11 medically necessary hearing aids purchased from a hearing aid dispenser 12 registered under article thirty-seven-A of the general business law or 13 an audiologist licensed under article one hundred fifty-nine of the 14 education law in the following manner: 15 (A) For an insured person sixteen years of age or older, such insured 16 person shall be entitled to reimbursement of up to three thousand 17 dollars every thirty-six months for expenses related to the purchase of 18 up to two hearing aids. 19 (B) For an insured person who is less than sixteen years of age, such 20 insured person shall be entitled to reimbursement of up to two thousand 21 dollars every twenty-four months for expenses related to the purchase of 22 up to two hearing aids, when it is medically demonstrated that: 23 (i) the hearing of the insured person under the age of sixteen has 24 changed significantly within a two-year period; and 25 (ii) the existing hearing aid will no longer correct the hearing of 26 the insured person under the age of sixteen; such person shall be enti- 27 tled to reimbursement for additional hearing aid expenses. 28 (2)(A) For the purposes of this subsection, "hearing aid" shall mean 29 any wearable instrument or device designed for hearing and any parts, 30 attachments or accessories but excluding batteries and cords or accesso- 31 ries thereto. A registered hearing aid dispenser or licensed audiologist 32 shall determine the type of device needed to correct the hearing loss. 33 (B) For the purposes of this section, services for recasing, reshell- 34 ing and acquiring new molds shall be included as part of the policies. 35 (3) The insured person may choose a hearing aid exceeding the amount 36 of coverage required by this section and shall be liable for the differ- 37 ence in cost. Reimbursement shall be provided according to the respec- 38 tive principles and policies of the health insurance plan and may 39 include such policy provisions as deductibles, coinsurance, allowable 40 charge limitations, and coordination of benefits. 41 § 3. This act shall take effect on the ninetieth day after it shall 42 have become a law and shall apply according to its terms to all poli- 43 cies, contracts and certificates issued, renewed, modified, altered or 44 amended on or after such date.
