STATE OF NEW YORK
________________________________________________________________________
8518
2025-2026 Regular Sessions
IN ASSEMBLY
May 20, 2025
___________
Introduced by M. of A. STECK -- read once and referred to the Committee
on Insurance
AN ACT to amend the insurance law, in relation to requiring insurance
coverage of outpatient problem gambling services
The People of the State of New York, represented in Senate and Assem-bly, do enact as follows:
1 Section 1. Subparagraph (A) of paragraph 31 of subsection (i) of
2 section 3216 of the insurance law, as amended by section 6 of subpart A
3 of part BB of chapter 57 of the laws of 2019, is amended to read as
4 follows:
5 (A) Every policy that provides medical, major medical or similar
6 comprehensive-type coverage shall provide outpatient coverage for the
7 diagnosis and treatment of substance use disorder, including detoxifica-
8 tion [and], rehabilitation, and problem gambling services. Such coverage
9 shall not apply financial requirements or treatment limitations to
10 outpatient substance use disorder benefits that are more restrictive
11 than the predominant financial requirements and treatment limitations
12 applied to substantially all medical and surgical benefits covered by
13 the policy.
14 § 2. Subparagraph (A) of paragraph 7 of subsection (l) of section 3221
15 of the insurance law, as amended by section 16 of subpart A of part BB
16 of chapter 57 of the laws of 2019, is amended to read as follows:
17 (A) Every policy that provides medical, major medical or similar
18 comprehensive-type coverage shall provide outpatient coverage for the
19 diagnosis and treatment of substance use disorder, including detoxifica-
20 tion [and], rehabilitation, and problem gambling services. Such coverage
21 shall not apply financial requirements or treatment limitations to
22 outpatient substance use disorder benefits that are more restrictive
23 than the predominant financial requirements and treatment limitations
24 applied to substantially all medical and surgical benefits covered by
25 the policy.
EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[] is old law to be omitted.
LBD11088-01-5
A. 8518 2
1 § 3. Paragraph 1 of subdivision (l) of section 4303 of the insurance
2 law, as amended by section 27 of subpart A of part BB of chapter 57 of
3 the laws of 2019, is amended to read as follows:
4 (1) Every contract that provides medical, major medical or similar
5 comprehensive-type coverage shall provide outpatient coverage for the
6 diagnosis and treatment of substance use disorder, including detoxifica-
7 tion [and], rehabilitation, and problem gambling services. Such coverage
8 shall not apply financial requirements or treatment limitations to
9 outpatient substance use disorder benefits that are more restrictive
10 than the predominant financial requirements and treatment limitations
11 applied to substantially all medical and surgical benefits covered by
12 the contract.
13 § 4. This act shall take effect immediately and shall apply to any
14 policy issued, delivered, renewed, and/or modified on or after such
15 date.
