Requires all health insurance policies to provide insurance coverage for the cost of hearing aids; provides that such coverage shall include coverage of at least $1,000 over a three year period; provides that children under the age of sixteen are allowed reimbursement for expenses related to the purchase of up to two hearing aids.
STATE OF NEW YORK
________________________________________________________________________
3937--A
2013-2014 Regular Sessions
IN SENATE
February 27, 2013
___________
Introduced by Sens. O'BRIEN, DILAN, SAMPSON -- read twice and ordered
printed, and when printed to be committed to the Committee on Insur-
ance -- recommitted to the Committee 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 providing 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. Paragraphs 27 and 28 of subsection (i) of section 3216 of
2 the insurance law, paragraph 27 as added by chapter 536 of the laws of
3 2010 and paragraph 28 as added by chapter 589 of the laws of 2011, are
4 renumbered paragraphs 30 and 31 and a new paragraph 32 is added to read
5 as follows:
6 (32) (A) Every health insurance policy issued or delivered in this
7 state shall provide coverage for hearing aids purchased from New York
8 state hearing aid dispensers registered under article thirty-seven-A of
9 the general business law or audiologists licensed under article one
10 hundred fifty-nine of the education law in the following manner:
11 (i) for an insured person who is sixteen years of age or older, such
12 insured person shall be entitled to reimbursement of up to one thousand
13 dollars every three years for expenses related to the purchase of up to
14 two hearing aids.
15 (ii) for an insured person who is less than sixteen years of age, such
16 insured person shall be entitled to reimbursement of up to one thousand
17 dollars every two years for expenses related to the purchase of up to
18 two hearing aids. When it is demonstrated that (1) the insured child's
19 hearing has changed significantly within a two year period and (2) the
20 existing hearing aid will no longer correct the child's hearing loss,
21 such insured person shall be entitled to reimbursement for additional
22 hearing aid expenses.
EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[] is old law to be omitted.
LBD04816-03-4
S. 3937--A 2
1 (iii) for the purposes of this paragraph, the insured person shall be
2 entitled to spend more than one thousand dollars on hearing aid
3 expenses, but shall only be allowed reimbursement up to the amount
4 provided in clause (i) or (ii) of this subparagraph.
5 (B)(i) For the purposes of this paragraph "hearing aid" shall mean any
6 wearable instrument or devices designed for hearing and any parts,
7 attachments or accessories but excluding batteries and cords or accesso-
8 ries thereto.
9 (ii) For the purposes of this section, services for recasing, reshell-
10 ing and acquiring new molds shall be included as part of the policies.
11 (C) Coverage provided pursuant to this paragraph shall not be subject
12 to deductibles, coinsurance, or copayments.
13 § 2. Section 3221 of the insurance law is amended by adding a new
14 subsection (t) to read as follows:
15 (t) (1) Every group health insurance policy issued or delivered in
16 this state shall provide coverage for hearing aids purchased from New
17 York state hearing aid dispensers registered under article thirty-sev-
18 en-A of the general business law or audiologists licensed under article
19 one hundred fifty-nine of the education law in the following manner:
20 (A) for an insured person who is sixteen years of age or older, such
21 insured person shall be entitled to reimbursement of up to one thousand
22 dollars every three years for expenses related to the purchase of up to
23 two hearing aids.
24 (B) for an insured person who is less than sixteen years of age, such
25 insured person shall be entitled to reimbursement of up to one thousand
26 dollars every two years for expenses related to the purchase of up to
27 two hearing aids. When it is demonstrated that (i) the insured child's
28 hearing has changed significantly within a two year period and (ii) the
29 existing hearing aid will no longer correct the child's hearing loss,
30 such insured person shall be entitled to reimbursement for additional
31 hearing aid expenses.
32 (C) for the purposes of this subsection, the insured person shall be
33 entitled to spend more than one thousand dollars on hearing aid
34 expenses, but shall only be allowed reimbursement up to the amount
35 provided in subparagraph (A) or (B) of this paragraph.
36 (2)(A) For the purposes of this subsection, "hearing aid" shall mean
37 any wearable instrument or devices designed for hearing and any parts,
38 attachments or accessories but excluding batteries and cords or accesso-
39 ries thereto.
40 (B) For the purposes of this section, services for recasing, reshell-
41 ing and acquiring new molds shall be included as part of the policies.
42 (3) Coverage provided pursuant to this subsection shall not be subject
43 to deductibles, coinsurance, or copayments.
44 § 3. Section 4303 of the insurance law is amended by adding a new
45 subsection (oo) to read as follows:
46 (oo) (1) Every contract issued or delivered in this state by a health
47 service corporation or hospital service corporation shall provide cover-
48 age for hearing aids purchased from New York state hearing aid dispen-
49 sers registered under article thirty-seven-A of the general business law
50 or audiologists licensed under article one hundred fifty-nine of the
51 education law in the following manner:
52 (A) for an insured person who is sixteen years of age or older, such
53 insured person shall be entitled to reimbursement of up to one thousand
54 dollars every three years for expenses related to the purchase of up to
55 two hearing aids.
S. 3937--A 3
1 (B) for an insured person who is less than sixteen years of age, such
2 insured person shall be entitled to reimbursement of up to one thousand
3 dollars every two years for expenses related to the purchase of up to
4 two hearing aids. When it is demonstrated that (i) the insured child's
5 hearing has changed significantly within a two year period and (ii) the
6 existing hearing aid will no longer correct the child's hearing loss,
7 such insured person shall be entitled to reimbursement for additional
8 hearing aid expenses.
9 (C) for the purposes of this subsection, the insured person shall be
10 entitled to spend more than one thousand dollars on hearing aid
11 expenses, but shall only be allowed reimbursement up to the amount
12 provided in subparagraph (A) or (B) of this paragraph.
13 (2)(A) For the purposes of this subsection, "hearing aid" shall mean
14 any wearable instrument or devices designed for hearing and any parts,
15 attachments or accessories but excluding batteries and cords or accesso-
16 ries thereto.
17 (B) For the purposes of this section, services for recasing, reshell-
18 ing and acquiring new molds shall be included as part of the policies.
19 (3) Coverage provided pursuant to this subsection shall not be subject
20 to deductibles, coinsurance, or copayments.
21 § 4. This act shall take effect July 1, 2016 and shall apply to all
22 policies issued, modified or renewed on and after such date.
