NY S09096

Requires all health insurance policies in New York that provide medical coverage including physician office services or major medical/comprehensive coverage to cover colorectal cancer screening for persons 45 years of age or older upon prescription by an authorized healthcare provider

Coverage must include annual screening using either stool-based fecal immunochemical test or guaiac-based fecal occult blood test, with follow-up visual examination provided if screening results are positive for signs of cancer

Coverage may be subject to annual deductibles and coinsurance as deemed appropriate by the superintendent and consistent with other policy benefits

Applies to health insurance policies under Insurance Law sections 3216, 3221, and 4303, covering individual policies, group policies, and health maintenance organization plans

Takes effect on the ninetieth day after becoming law and applies to all policies issued, renewed, modified or altered on or after that date