NY A05939

Allows insurance plans to apply annual deductibles and coinsurance to primary and preventive obstetric and gynecological care coverage, changing current law that prohibits such cost-sharing

Prohibits deductibles and coinsurance for cervical cytology screening (cervical cancer screening) for people aged 18 and older who have a cervix, using gender-neutral language

Expands bone mineral density coverage standards to include treatment of osteoporosis in addition to detection, aligning with federal Medicare and NIH criteria

Restructures contraceptive coverage requirements by allowing religious organizations and denominational groups to opt out of covering contraceptive drugs and devices that conflict with their religious tenets

Requires insurers to offer enrollees the option to directly purchase contraceptive coverage riders at the same cost when their group policyholder elects not to provide such coverage due to religious exemption

Takes effect 60 days after becoming law and applies to policies issued, renewed, modified, or altered on or after that date