STATE OF NEW YORK
________________________________________________________________________
7114--A
2023-2024 Regular Sessions
IN SENATE
May 18, 2023
___________
Introduced by Sens. RIVERA, CLEARE, COONEY, GOUNARDES, HARCKHAM, JACK-
SON, WEBB -- read twice and ordered printed, and when printed to be
committed to the Committee on Insurance -- recommitted to the Commit-
tee on Insurance in accordance with Senate Rule 6, sec. 8 -- committee
discharged, bill amended, ordered reprinted as amended and recommitted
to said committee
AN ACT to amend the insurance law, in relation to requiring health
insurance plans to provide coverage for epinephrine auto-injector
devices
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 39 to read as follows:
3 (39) (A) Every insurer issuing a policy of accident and health insur-
4 ance delivered or issued for delivery in this state which provides major
5 medical or similar comprehensive-type coverage shall include coverage
6 for, at a minimum, two medically necessary epinephrine auto-injector
7 devices for the emergency treatment of life-threatening allergic
8 reactions. Such coverage may be subject to annual deductibles and coin-
9 surance as may be deemed appropriate by the superintendent and as are
10 consistent with those established for other benefits within a given
11 policy; provided however, the total amount that a covered person is
12 required to pay out-of-pocket for such devices shall be capped at an
13 amount not to exceed one hundred dollars annually regardless of the
14 insured's deductible, copayment, coinsurance or any other cost-sharing
15 requirement. If under federal law, application of this requirement
16 would result in health savings account ineligibility under 26 USC
17 223, this requirement shall apply for health savings
18 account-qualified high deductible health plans with respect to the
19 deductible of such a plan after the enrollee has satisfied the minimum
20 deductible under 26 USC 223, except for with respect to items or
EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[] is old law to be omitted.
LBD10597-03-4
S. 7114--A 2
1 services that are preventive care pursuant to 26 USC 223(c)(2)(C), in
2 which case the requirements of this paragraph shall apply regardless of
3 whether the minimum deductible under 26 USC 223 has been satisfied.
4 (B) For the purposes of this paragraph, "epinephrine auto-injector
5 device" shall have the same meaning as provided in paragraph (b) of
6 subdivision one of section three thousand-c of the public health law.
7 § 2. Subsection (k) of section 3221 of the insurance law is amended by
8 adding a new paragraph 23 to read as follows:
9 (23) (A) Every group or blanket policy of accident and health insur-
10 ance delivered or issued for delivery in this state which provides
11 medical coverage that includes coverage for physician services in a
12 physician's office and every policy which provides major medical or
13 similar comprehensive-type coverage shall provide coverage for, at a
14 minimum, two medically necessary epinephrine auto-injector devices for
15 the emergency treatment of life-threatening allergic reactions. Such
16 coverage may be subject to annual deductibles and coinsurance as may be
17 deemed appropriate by the superintendent and as are consistent with
18 those established for other benefits within a given policy; provided
19 however, the total amount that a covered person is required to pay out-
20 of-pocket for such devices shall be capped at an amount not to exceed
21 one hundred dollars annually regardless of the insured's deductible,
22 copayment, coinsurance or any other cost-sharing requirement. If under
23 federal law, application of this requirement would result in health
24 savings account ineligibility under 26 USC 223, this requirement
25 shall apply for health savings account-qualified high deduct-
26 ible health plans with respect to the deductible of such a plan
27 after the enrollee has satisfied the minimum deductible under 26 USC
28 223, except for with respect to items or services that are preven-
29 tive care pursuant to 26 USC 223(c)(2)(C), in which case the
30 requirements of this paragraph shall apply regardless of whether the
31 minimum deductible under 26 USC 223 has been satisfied.
32 (B) For the purposes of this paragraph, "epinephrine auto-injector
33 device" shall have the same meaning as provided in paragraph (b) of
34 subdivision one of section three thousand-c of the public health law.
35 § 3. Section 4303 of the insurance law is amended by adding a new
36 subsection (vv) to read as follows:
37 (vv) (1) Every medical expense indemnity corporation, hospital service
38 corporation and health service corporation which provides medical cover-
39 age that includes coverage for physician services in a physician's
40 office and every policy which provides major medical or similar compre-
41 hensive-type coverage shall provide coverage for, at a minimum, two
42 medically necessary epinephrine auto-injector devices for the emergency
43 treatment of life-threatening allergic reactions. Such coverage may be
44 subject to annual deductibles and coinsurance as may be deemed appro-
45 priate by the superintendent and as are consistent with those estab-
46 lished for other benefits within a given policy; provided however, the
47 total amount that a covered person is required to pay out-of-pocket for
48 such devices shall be capped at an amount not to exceed one hundred
49 dollars annually regardless of the insured's deductible, copayment,
50 coinsurance or any other cost-sharing requirement. If under federal
51 law, application of this requirement would result in health savings
52 account ineligibility under 26 USC 223, this requirement shall
53 apply for health savings account-qualified high deductible
54 health plans with respect to the deductible of such a plan after the
55 enrollee has satisfied the minimum deductible under 26 USC 223,
56 except for with respect to items or services that are preventive care
S. 7114--A 3
1 pursuant to 26 USC 223(c)(2)(C), in which case the requirements of
2 this paragraph shall apply regardless of whether the minimum deductible
3 under 26 USC 223 has been satisfied.
4 (2) For the purposes of this subsection, "epinephrine auto-injector
5 device" shall have the same meaning as provided in paragraph (b) of
6 subdivision one of section three thousand-c of the public health law.
7 § 4. This act shall take effect January 1, 2026 and shall apply to all
8 policies and contracts issued, renewed, modified, altered or amended on
9 or after such date.
