Requires insurance coverage under health insurance plans for diagnosis and treatment of craniofacial disorder; provides a referral from a health care provider under contract with the policy may be required.
STATE OF NEW YORK
________________________________________________________________________
1049
2013-2014 Regular Sessions
IN SENATE(Prefiled)
January 9, 2013
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Introduced by Sen. MAZIARZ -- read twice and ordered printed, and when
printed to be committed to the Committee on Insurance
AN ACT to amend the insurance law, in relation to health insurance
coverage for craniofacial disorders
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 30 to read as follows:
3 (30)(A) Every policy delivered or issued for delivery in this state
4 which provides medical coverage that includes coverage for physician
5 services in a physician's office and every policy which provides major
6 medical or similar comprehensive-type coverage shall provide coverage
7 for diagnosis and medically necessary treatment, including surgical and
8 nonsurgical procedures, for a musculoskeletal disorder that affects any
9 bone or joint in the face, neck or head and is the result of accident,
10 trauma, congenital defect, developmental defect, or pathology. Subject
11 to subparagraph (B) of this paragraph, this coverage shall be the same
12 as that provided under the health insurance plan for any other muscu-
13 loskeletal disorder in the body and may be provided when prescribed or
14 administered by a physician or a dentist. This paragraph shall not be
15 construed to require coverage for dental services for the diagnosis or
16 treatment of dental disorders or dental pathology primarily affecting
17 the gums, teeth, or alveolar ridge.
18 (B) A referral from a health care provider under contract with the
19 policy may be required.
20 § 2. Subsection (k) of section 3221 of the insurance law is amended by
21 adding a new paragraph 19 to read as follows:
22 (19)(A) Every group or blanket policy delivered or issued for delivery
23 in this state which provides medical coverage that includes coverage for
24 physician services in a physician's office or major medical or similar
EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[] is old law to be omitted.
LBD02286-01-3
S. 1049 2
1 comprehensive-type coverage shall provide coverage for diagnosis and
2 medically necessary treatment, including surgical and nonsurgical proce-
3 dures, for a musculoskeletal disorder that affects any bone or joint in
4 the face, neck or head and is the result of accident, trauma, congenital
5 defect, developmental defect, or pathology. Subject to subparagraph (B)
6 of this paragraph, this coverage shall be the same as that provided
7 under the health insurance plan for any other musculoskeletal disorder
8 in the body and may be provided when prescribed or administered by a
9 physician or a dentist. This paragraph shall not be construed to require
10 coverage for dental services for the diagnosis or treatment of dental
11 disorders or dental pathology primarily affecting the gums, teeth, or
12 alveolar ridge.
13 (B) A referral from a health care provider under contract with the
14 policy may be required.
15 § 3. Section 4303 of the insurance law is amended by adding a new
16 subsection (jj) to read as follows:
17 (jj)(1) A hospital service corporation, medical expense indemnity
18 corporation or health service corporation which provides medical cover-
19 age that includes coverage for physician services in a physician's
20 office or major medical or similar comprehensive-type coverage shall
21 provide coverage for diagnosis and medically necessary treatment,
22 including surgical and nonsurgical procedures, for a musculoskeletal
23 disorder that affects any bone or joint in the face, neck or head and is
24 the result of accident, trauma, congenital defect, developmental defect,
25 or pathology. Subject to paragraph two of this subsection, this coverage
26 shall be the same as that provided under the health insurance plan for
27 any other musculoskeletal disorder in the body and may be provided when
28 prescribed or administered by a physician or a dentist. This subsection
29 shall not be construed to require coverage for dental services for the
30 diagnosis or treatment of dental disorders or dental pathology primarily
31 affecting the gums, teeth, or alveolar ridge.
32 (2) A referral from a health care provider under contract with the
33 policy may be required.
34 § 4. This act shall take effect on the first of January next succeed-
35 ing the date on which it shall have become a law and shall apply to all
36 policies issued, renewed, altered or modified on or after such date.
