NY S08265

Requires large group health insurance policies to cover backup cochlear implant devices when prescribed by a licensed healthcare practitioner

Coverage must continue for the duration the insured is actively using the cochlear implant, including during necessary upgrades and replacements

Addresses current gap where backup devices are provided only at initial implantation but not when implants are upgraded or replaced after 3-5 years

Backup cochlear implant device defined as an additional set of external components, including a processor, for use when the primary device fails or requires maintenance

Coverage may be subject to annual deductibles, copayments, and coinsurance consistent with similar benefits; takes effect January 1, 2027