NY S05556

Prohibits health insurance policies from denying coverage for screening, diagnosis, or treatment solely because the gender on a claim form differs from the insured's sex assigned at birth or gender otherwise recorded

Applies to all policies and contracts providing hospital, surgical, or medical care, including individual policies, group policies, and health maintenance organization contracts

Preserves insurers' ability to request additional information to verify eligibility, review claims for potential fraud, or assess clinical appropriateness

Amends three sections of the insurance law (3216, 3221, and 4303) to ensure consistent application across different types of insurance arrangements

Takes effect January 1 following enactment and applies to policies issued, renewed, modified, or amended on or after that date