NY A11043

Requires health insurance policies that cover prescription drugs to include coverage for enteral formulas for home use, whether administered orally or by tube feeding, when prescribed by a physician or licensed health care provider.

Expands the list of specific diseases and disorders for which enteral formulas are covered to include immunoglobulin E and nonimmunoglobulin E-mediated food allergies, severe food protein induced enterocolitis syndrome, eosinophilic disorders, and impaired nutrient absorption from gastrointestinal tract disorders.

Removes language requiring enteral formulas to be limited to conditions causing "malnourishment, chronic physical disability, mental retardation or death" and instead requires only that formulas be "clearly medically necessary and proven effective as a disease-specific treatment regimen."

Extends coverage for modified solid food products (low protein, modified protein, or amino acid based) for inherited metabolic diseases and severe protein allergic conditions up to $2,500 per calendar year or 12-month period per individual.

Takes effect January 1 following the date the bill becomes law and applies to all policies and contracts issued, renewed, modified, altered, or amended on or after that date.