NY S02465

Requires health insurance policies to cover screening and diagnostic breast imaging (diagnostic mammograms, breast ultrasounds, magnetic resonance imaging) recommended by nationally recognized clinical practice guidelines upon physician recommendation.

Applies to individual policies under Insurance Law Section 3216, group/blanket policies under Section 3221, and policies issued by medical expense indemnity corporations and health service corporations under Section 4303.

Defines "nationally recognized clinical practice guidelines" as evidence-based guidelines developed by independent organizations or medical professional societies using transparent methodology with conflict of interest policies.

Exempts the required breast imaging coverage from annual deductibles and coinsurance requirements.

Takes effect January 1, 2026 for all policies and contracts issued, renewed, modified, altered, or amended on or after that date.