STATE OF NEW YORK
________________________________________________________________________
5444--B
2025-2026 Regular Sessions
IN ASSEMBLY
February 14, 2025
___________
Introduced by M. of A. ROSENTHAL -- read once and referred to the
Committee on Insurance -- committee discharged, bill amended, ordered
reprinted as amended and recommitted to said committee -- again
reported from said committee with amendments, ordered reprinted as
amended and recommitted to said committee
AN ACT to amend the insurance law, in relation to coverage for perimeno-
pausal and menopausal care and treatment
The People of the State of New York, represented in Senate and Assem-bly, do enact as follows:
1 Section 1. Subsection (i) of section 3216 of the insurance law is
2 amended by adding a new paragraph 41 to read as follows:
3 (41) (A) Every policy that provides coverage for hospital, surgical or
4 medical care shall provide coverage for perimenopausal and menopausal
5 care and treatment administered by a physician or other licensed health
6 care provider. Symptoms of menstrual complications for perimenopausal
7 and menopausal care authorized under this paragraph include, but are not
8 limited to: irregular menstrual periods, temporary cognitive changes
9 related to the menopause transition, hot flashes, chills, slowed meta-
10 bolism, vaginal or bladder problems, decrease in fertility, loss of
11 bone, increase in low-density lipoprotein cholesterol levels, and sleep
12 disruption including night sweats.
13 (B) For purposes of subparagraph (A) of this paragraph:
14 (i) "Menopause" means the permanent cessation of ovulation so that
15 ovaries stop releasing follicles and stop producing estrogen and
16 progesterone. For women with an intact uterus, menopause is marked by a
17 twelve month absence of menstruation.
18 (ii) "Perimenopause" means the transition period from the late repro-
19 ductive phase to the permanent cessation of ovarian function with
20 absence of menstruation.
EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[] is old law to be omitted.
LBD01048-07-5
A. 5444--B 2
1 (C) Such coverage required pursuant to subparagraph (A) of this para-
2 graph shall not be subject to annual deductibles, co-payment fees or
3 coinsurance.
4 § 2. Subsection (k) of section 3221 of the insurance law is amended by
5 adding a new paragraph 24 to read as follows:
6 (24)(A) Every policy that provides coverage for hospital, surgical or
7 medical care shall provide coverage for perimenopausal and menopausal
8 care or treatment administered by a physician or other licensed health
9 care provider. Symptoms of menstrual complications for perimenopausal
10 and menopausal care authorized under this paragraph include, but are not
11 limited to: irregular menstrual periods, temporary cognitive changes
12 related to the menopause transition, hot flashes, chills, slowed meta-
13 bolism, vaginal or bladder problems, decrease in fertility, loss of
14 bone, increase in low-density lipoprotein cholesterol levels, and sleep
15 disruption including night sweats.
16 (B) For purposes of subparagraph (A) of this paragraph:
17 (i) "Menopause" means the permanent cessation of ovulation so that
18 ovaries stop releasing follicles and stop producing estrogen and
19 progesterone. For women with an intact uterus, menopasuse is marked by a
20 twelve month absence of menstruation.
21 (ii) "Perimenopause" means the transition period from the late repro-
22 ductive phase to the permanent cessation of ovarian function with
23 absence of menstruation.
24 (C) Such coverage required pursuant to subparagraph (A) of this para-
25 graph shall not be subject to annual deductibles, co-payment fees or
26 coinsurance.
27 § 3. Section 4303 of the insurance law is amended by adding a new
28 subsection (ww) to read as follows:
29 (ww)(1) Any contract issued by a medical expense indemnity corpo-
30 ration, a hospital service corporation or a health services corporation
31 that provides coverage for hospital, surgical or medical care shall
32 provide coverage for perimenopausal and menopausal care or treatment
33 administered by a physician or other licensed health care provider.
34 Symptoms of menstrual complications for perimenopausal and menopausal
35 care authorized under this paragraph include, but are not limited to:
36 irregular menstrual periods, temporary cognitive changes related to the
37 menopause transition, hot flashes, chills, slowed metabolism, vaginal or
38 bladder problems, decrease in fertility, loss of bone, increase in low-
39 density lipoprotein cholesterol levels, and sleep disruption including
40 night sweats.
41 (2) For purposes of paragraph one of this subsection:
42 (A) "Menopause" means the permanent cessation of ovulation so that
43 ovaries stop releasing follicles and stop producing estrogen and
44 progesterone. For women with an intact uterus, menopasuse is marked by
45 a twelve month absence of menstruation.
46 (B) "Perimenopause" means the transition period from the late repro-
47 ductive phase to the permanent cessation of ovarian function with
48 absence of menstruation.
49 (3) Such coverage required pursuant to paragraph one of this
50 subsection shall not be subject to annual deductibles, co-payment fees
51 or coinsurance.
52 § 4. This act shall take effect on the first of January next succeed-
53 ing the date on which it shall have become a law and shall apply to
54 policies issued, reissued, renewed, modified or amended on or after such
55 date.
