Insurance

Requires insurance coverage for cochlear implants and backup devices during the initial implantaton and for replacements and upgrades.

Prohibits insurers from refusing to renew a policy on certain automobiles used for volunteer social service transportation.

Requires certain health insurance policies include coverage for services provided by pharmacists related to contraceptives.

Provides that the sale of a non-indemnity legal service plan shall not constitute doing an insurance business in this state; makes related provisions.

Relates to summaries of readable and understandable insurance policies which shall include the limits of insurance, the term of the policy, the amount of premium and the amount of deductibles and a statement.

Provides that individuals may receive breast cancer screenings under an insurance plan when such individual has a second degree relative with a prior history of breast cancer.

Requires property/casualty insurance companies to submit information on multifamily housing premiums and claims paid to the department of financial services.

Requires investigating of critical prescription drug pricing; provides for civil penalties and private actions for certain critical prescription drug pricing.

Requires insurance reimbursement for vaccination for severe acute respiratory syndrome coronavirus 2.

Relates to service contracts for accidental damages from handling and power surges.

Requires insurance coverage of a hospitalized birthing parent's interhospital transport to accompany such birthing parent's newborn infant experiencing a condition necessitating transport.

Relates to service contracts for accidental damages from handling and power surges.

Permits licensed insurance agents, brokers, adjusters, consultants, and intermediaries to carryover up to five hours of continuing education credit per biennial licensing period.

Prohibits public adjusters from initiating contact with, soliciting, or approaching owners, occupants, tenants, or other affected parties regarding commercial or residential property that has sustained damage from a damaging event within forty-eight hours following such damaging event; establishes reimbursement and written notice requirements for such adjusters.

Provides that certain provisions relating to rebating and discrimination regarding insurance contracts shall not prohibit any insurer from providing loss mitigation or loss control programs at no cost or a reduced cost to policyholders.

Requires certain health insurance policies to provide coverage for diabetes and prediabetes screening.

Requires a pharmacy benefit manager to pay a participating pharmacy at minimum at the national average drug acquisition cost (NADAC) rate, or at the pharmacy acquisition cost rate if greater or there is not a NADAC rate, plus a professional dispensing fee that is at minimum the professional dispensing fee paid under the state medical assistance program.

Relates to licensing of independent insurance adjusters by waiving requirements regarding a written examination if the applicant holds a claim certification from a national or state-based claims association.

Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.

Provides that a rental vehicle company or peer-to-peer car sharing program administrator may act as an agent for an authorized insurer with respect to accident and health insurance that provides coverage to shared vehicle owners, shared vehicle drivers, or a combination thereof, and any other coverage that the superintendent of financial services may approve as meaningful and appropriate in connection with the sharing of a shared vehicle.

Relates to cost sharing requirements for high deductible health plans and health savings accounts; relates to the effectiveness of a chapter of the laws of 2025.

Makes permanent certain provisions of law relating to catastrophic or reinsurance coverage issued to certain small groups.

Prohibits title insurance corporations from making payments to lenders on title insurance claims when the transaction conveying such title is false or fraudulent.

Requires medicaid and insurers to include coverage for testing of PFAS levels in blood; defines PFAS.

Provides that a rental vehicle company or peer-to-peer car sharing program administrator may act as an agent for an authorized insurer with respect to accident and health insurance that provides coverage to shared vehicle owners, shared vehicle drivers, or a combination thereof, and any other coverage that the superintendent of financial services may approve as meaningful and appropriate in connection with the sharing of a shared vehicle.

Relates to utilization review program standards; requires use of evidence-based and peer reviewed clinical review criteria; relates to prescription drug formulary changes and pre-authorization for certain health care services.

Prohibits the retrospective denial of payment for substance use disorder treatment services if an insured was covered for such services at the time treatment was initiated; requires insurers to notify a treatment provider when an insured has lost coverage based on termination of the insured's employment.

Relates to medical malpractice excess line insurance.

Requires health insurance plans to provide coverage for continuous blood glucose monitors for all children; requires coverage for glucose monitoring devices for all sugar disorders.

Requires contracts for insurance and medical assistance to provide value-based care for maternity coverage; defines value-based care as an arrangement that financially rewards certain positive outcomes and financially penalizes certain negative outcomes.

Authorizes the New York Liquidation Bureau to establish a program to evaluate and reimburse eligible local educational agencies for monetary liabilities arising from civil claims or settlement agreements related to certain acts that occurred during a period covered by a liability insurance policy issued by an insolvent insurer.

Provides hospital, surgical and medical insurance coverage for perimenopausal and menopausal care and treatment.

Requires certain insurance policies to provide coverage for fertility preservation services, including anticipated iatrogenic infertility.

Establishes "The Equity in Fertility Treatment Act"; relates to the definition of infertility and health insurance coverage for the treatment of infertility.

Relates to health insurance coverage for in vitro fertilization.

Provides outpatient insurance coverage for non-pharmacological treatments and non-opioid drugs for chronic pain.

Requires insurance and Medicaid coverage for inpatient and outpatient substance abuse treatment for a period of not less than forty-five days.

Requires the office of addiction services and supports and the office of mental health to publish information for calculation of rates paid for certain treatment pursuant to the medical assistance program in a form an manner prescribed by the commissioner of the office of addiction services and supports or the commissioner of mental health, as applicable.

Requires insurers to provide electronic notification when prior authorization is required to fill a prescription if requested by the insured.

Requires property/casualty insurance companies to submit certain information to the department of financial services, including zip code-level data on nonrenewal rates, nonpayment cancellation rates, other cancellation rates, claim frequency rates, average claim amounts, paid loss ratios, and average premiums; market share data; for property/casualty insurance companies that use a natural disaster risk model or scoring method to assign risk, information about such model or scoring method; requires the department of financial services and the division of housing and community renewal to issue an annual report on the housing insurance market for multifamily and nonprofit housing providers; authorizes a premium discount to policyholders of homeowners insurance or property/casualty insurance applicable to residential real property who demonstrate property-specific and community-level mitigation actions to reduce the risk of loss from a natural disaster; requires insurers to post about such discounts on their public websites; relates to the timing of cancellation and nonrenewal notices for certain insurance policies; relates to increasing membership of the board governing the New York property insurance underwriting association; requires a quadrennial report on the activities of such association; increases such board membership to 23 including 6 directors appointed by the legislature and 4 directors appointed by the governor.

Requires insurers to provide insurance coverage for treatment of rare diseases, life-threatening conditions or diseases, degenerative and disabling conditions, or diagnoses involving medically fragile children, by a provider of the patient's choice.

Requires the department of financial services to fulfill certain requirements to implement homeowner natural disaster preparedness, home safety and loss prevention courses.

Removes restrictions of three-cycle coverage for in vitro fertilization; mandates individual insurance coverage of in vitro.

Provides for the formation of mutual holding companies by certain domestic mutual property/casualty insurers and the reorganization in connection therewith of a domestic mutual property/casualty insurer into a domestic stock property/casualty insurer.

Relates to not requiring a prior authorization determination for certain categories of cancer treatments based on National Comprehensive Cancer Network Guidelines.

Creates the New York health benefit and cost commission to review and report on utilization rates, public and patient health effects, and impact on premiums and access to health care and health coverage of all existing and proposed mandated health benefits.

Extends dependent child coverage for certain individuals to age twenty-nine.

Authorizes the imposition of penalties on subcontractors for failure to adhere to the standards for prompt, fair and equitable settlement of claims for health care and payments for health care services.

Enacts the Northeast Regional Health Insurance Compact Act directing the governor to invite the governors of Connecticut, Massachusetts, New Hampshire, Rhode Island, Vermont, Maine, New Jersey, and Pennsylvania to participate in a Northeast Regional Health Insurance Compact Summit along with their respective health and insurance regulators, to discuss the feasibility of creating a Regional Health Insurance Collaborative that allows residents of participating states to purchase qualified health insurance plans offered in any member state.

Provides limitations on overlapping control between insurance companies and pharmacy benefits managers and pharmacies; requires divestment of the interest in one or more insurance companies and pharmacy benefits managers.

Requires an insurance company which owns a health care provider to pay the health care provider it owns no more than the lowest amount paid to any other insured health care provider for a comparable service; requires an insurance company, which is owned by a health care provider, to pay the health care provider which owns the health care provider no more than it pays the lowest amount paid to any other insured company for a comparable service.

Requires health care plans and payors to have a minimum of twelve and one-half percent of their total expenditures on physical and mental health annually be for primary care services.

Provides that coverage for outpatient diagnosis and treatment of substance use disorder shall not be subject to preauthorization.

Allows for a new special open enrollment period to choose a new health insurance plan for consumers in certain instances to allow for continuity of care with an existing health care provider.

Provides that dental insurance coverage shall include coverage for night guards; defines dental night guards; provides that dental night guards shall be covered under Medicaid.

Amends the definition of "small group" for purposes of health insurance policies and contracts to fifty employees or fewer; repeals provisions requiring the superintendent to conduct an impact study.

Prohibits discrimination against individuals who have tested positive for HIV with respect to life, accident, and health insurance coverage.

Requires that in civil claims under the child victims act, adult survivors act, or a civil sex trafficking claim any insurer who may provide liability coverage for a claim shall, upon request from the claimant or claimant's attorney, provide information regarding each known policy of insurance; provides that a person bringing a civil claim in a sex trafficking case need not disclose their immigration status.

Prescribes requirements and safeguards for the use of an artificial intelligence, algorithm, or other software tool for the purpose of utilization review for health and accident insurance.

Improves transparency in the insurance claims process; regulates insurance adjusting professionals; institutes licensing standards for insurance professionals; ensures timely responses to insurance claims; enhances policyholder protections.

Relates to health insurance coverage for in vitro fertilization.

Requires health insurance contracts cover postpartum pelvic floor physical therapy for new mothers.

Enacts the "construction laborer insurance protection act (CLIPA)"; requires every policy or contract of insurance issued to an owner, contractor or subcontractor performing the work of erection, demolition, repairing, altering, painting, or cleaning of a building, structure or edifice to provide coverage for bodily injury and death of workers.

Consolidates the licensing system for agents and brokers into a single producer license.

Ensures continuity of care for cancer patients during insurance contract negotiations by requiring insurance coverage and treatment continue until the conclusion of care.

Requires that a contract between an insurer and a hospital shall include a provision that provides for medical records requested by the insurer or its utilization review agent to be made available electronically by the hospital; limits the use of disclosed records.

Enacts the "New York slavery era business and state procurement disclosure act"; requires insurers to report insurance policies issued to slaveholders during the slavery era that provided coverage for damage to or death to such slaveholders' slaves; requires contractors seeking to enter into or renew procurement contracts with state agencies to report slavery era financing, investments and profits of slavery.

Provides that health insurance contracts and policies for long term care shall be renewable each year at the option of the insured unless there is nonpayment of premiums.

Requires actuarial certification of certain rate determinations made by the superintendent, in accordance with practice standards established by the actuarial standards board.

Prohibits property and casualty insurance companies from increasing rates based on geolocation information; provides exceptions; prohibits automobile manufacturers and dealers from collecting, distributing or selling customer GPS data to third parties.

Expands coverage for developmentally disabled persons past twenty-six years of age; prohibits insurance companies from wrongfully terminating contracts of developmentally disabled persons; requires recertification of such developmentally disabled person's condition once every five years.

Limits co-payments for physical and occupational therapy services.

Permits an insurer to rescind or retroactively cancel a policy in circumstances involving an accident staged to defraud an insurer.

Directs a health maintenance organization which denies a claim due to absence of medical necessity to inform the insured as to preferred alternative treatment, or provide the insured with a statement as to the past ineffectiveness of the requested procedure or treatment.

Requires certain health insurance policies and contracts to provide coverage for human leukocyte antigen testing, also referred to as histocompatible locus antigen testing, for A, B, and DR antigens, for utilization in tissue typing for bone marrow testing.

Provides that every health insurance policy which provides coverage for hospital, surgical or medical care shall provide coverage for the standard diagnostic testing for ovarian cancer upon the recommendation of a physician; provides that such standard diagnostic testing shall include a pelvic examination, a sonogram and a CA 125 blood test and related laboratory and diagnostic services.

Relates to notice of disclaimer of liability for certain revived causes of action; such notice shall occur within 120 days after the insurer has received actual notice of such revived claim or cause of action.

Requires insurers offering renewal of certain Medicare supplemental insurance policies or providing notification of a change in premiums of such policies to notify policyholders of the availability of policies offered by such insurer with similar benefits at a comparable premium or the ability of such policyholder to purchase a different policy without the pre-existing condition waiting period; applies to policies for which such insurers no longer accept new contracts but continue to renew for existing policyholders.

Expands insurance coverage for in vitro fertilization; includes coverage under individual policies; provides coverage for three complete oocyte retrievals and in vitro fertilization with unlimited embryo transfers.

Relates to authorizing non-insurance benefits or services to be offered as part of group life or group or blanket accident or health insurance policies.

Requires insurance companies to issue joint checks for payment to an insured and a health care provider in certain circumstances.

Relates to term life insurance suitability information and the limiting of regulations or orders promulgated by the superintendent related thereto.

Provides for state assistance to local governments for the enforcement of fire prevention and building codes using monies paid into the code enforcement account.

Requires insurance policies to provide coverage for pre-term labor hospitalizations, home visits to monitor pre-term labor patients and counseling.

Provides that any person who provides information to the attorney general, a district attorney or the insurance frauds bureau concerning a fraudulent insurance transaction or with information about a fraudulent insurance transaction that is about to take place may be entitled to an award of forty percent of the action or claim relating to such fraudulent action.

Provides that dental insurance coverage shall include coverage for night guards; defines dental night guards; provides that dental night guards shall be covered under Medicaid.

Allows for certain notices related to property/casualty insurance contracts under the vehicle and traffic law to be delivered by electronic means.

Permits insurers to provide certain loss prevention and risk management electronics, equipment, devices or special offers to insureds and prospective insureds.

Requires insurers insuring property in floodplains to include damages done by wave action or windblown waves and make available to all insureds who reside in single family homes in a floodplain homeowners insurance covering such damage.

Establishes the NYS Health Care Consumer and Provider Protection and Equity Act to allow physicians and dentists to negotiate collectively with employers.

Requires certain information to be included in every pharmacy benefit manager's annual report to the superintendent such as the aggregated dollar amount of rebates, fees, price protection payments and any other payments the pharmacy benefit manager received from drug manufacturers through rebate contract, the amount of certain allocations, and information on rebate contracts.

Provides for standardized health insurance contracts for small dental employers who meet certain criteria.

Enacts the optometry freedom act which prohibits a carrier or vision plan restricting an optometrist's choice of supply.

Requires health insurance policies and Medicaid to cover patient navigation services.

Provides that insurance policies which provide hospital, surgical or medical coverage shall provide coverage for hysterectomies; provides that such coverage shall include inpatient hospital coverage for a minimum period of seventy-two hours after surgery.

Ensures that insurers are permitted to offer loss prevention programs as long as such programs are offered to the general public and the insurer's policyholders.

Provides that any copayment or coinsurance amount charged by an insurer to the insured for services rendered by a physical therapist or an occupational therapist shall not be more than twenty-five percent greater than the copayment or coinsurance amount imposed for an office visit to a licensed primary care physician or osteopath for the same or a similar diagnosed condition.

Increases certain monetary limits under the comprehensive motor vehicle insurance reparations (No-fault) act; includes additional non-medical expenses.

Creates the health insurance guaranty fund to protect covered individuals against the failure or inability of a health insurer to perform its contractual obligations due to financial impairment or insolvency.

Requires coverage for hearing aids for patients who are covered under a policy or contract of insurance if the hearing aids are fitted and dispensed by a licensed audiologist certified by the American Speech-Language-Hearing Association following medical clearance by a physician licensed to practice medicine and an audiological evaluation.

Permits a waiver of the diligent effort requirement in limited circumstances for certain insurance coverage to be placed by licensed excess line brokers with unauthorized insurers where a retail producing insurance broker seeks to procure or place commercial lines insurance through an unaffiliated wholesale excess line insurance broker.

Requires health insurance policies to fully cover multi-marker testing related to ovarian cancer to patients which have been diagnosed with an ovarian adnexal mass.

Authorizes a building construction, demolition and repair work insurance tax credit for certain qualifying insurance premium payments for personal injury liability insurance and property damage liability insurance.

Establishes the strengthen homes program to promote the strengthening of homes in order to protect against severe weather through remodeling grants and insurance discounts.

Imposes a tax on out-of-state transfers, dividends, payments, and loans by certain accident and health insurance companies and health maintenance organizations to be deposited in the New York state agency trust fund, distressed provider assistance account.

Amends the definition of redomestication of insurance companies to include the transfer from this state of the corporate domicile of a domestic company.

Directs the superintendent of financial services to promulgate rules and regulations limiting the use of credit scores to determine automobile insurance premiums.

Requires all policies that provide coverage for inpatient hospital care to include benefits for child and family treatment and support services and children's home and community based services.

Requires health insurers to provide coverage without cost-sharing for opioid antagonists and devices; provides that no prior authorization of premedical review for coverage of such opioid antagonist is required.

Relates to authorizing the superintendent of financial services to grant three credit hours of continuing education for a licensees' active membership in a statewide professional insurance producer association.

Requires insurance coverage for the cost of donated breast milk.

Requires health insurance policies to include coverage for doula services as required coverage for maternity care.

Establishes a captive insurance program for commuter vans, black cars, ambulettes and paratransit vehicles, small school buses, and charter buses that are engaged in the business of carrying or transporting nine to twenty-four passengers for hire; pre-arranged for-hire vehicles and accessible vehicles; defines terms.

Increases the minimum insurance coverage required for motor vehicles registered and/or operated within the state of New York; for injury or death to one person in any one accident, increases the limits required from $25,000 to $50,000 for bodily injury and from $50,000 to $100,000 for death, for injury or death to more than one person in any one accident, increases the limits required from $50,000 to $100,000 for bodily injury and from $100,000 to $200,000 for death, and for third party property damage in any one accident, increases the limits required from $10,000 to $25,000.

Requires insurer to respond within thirty days of a written request from an insured for their health plan documents, including copies of most recent group or individual contracts.

Prohibits the use of external consumer data and information sources being used when determining insurance rates; provides that no insurer shall unfairly discriminate based on race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity, or gender expression; or use any external consumer data and information sources, as well as any algorithms or predictive models that use external consumer data and information sources, in a way that unfairly discriminates based on race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity, or gender expression; makes related provisions; defines terms.

Requires health insurance coverage for substance use disorder treatment services.

Permits funeral directors to sell insurance.

Requires a notice of a change in premium for a renewal of a commercial insurance policy shall be mailed or delivered at least ninety days in advance of the expiration date of such policy.

Requires liability insurance for bicycles, bicycles with electric assist and electric scooters in cities having a population of one million or more.

Provides that the failure by the utilization review agent to make a determination within certain time periods shall be deemed to be an approval of the health care services.

Requires comprehensive coverage for treatment of obesity, including coverage for prevention and wellness, nutrition counseling, intensive behavioral therapy, bariatric surgery, and FDA-approved anti-obesity medication.

Enacts the "automobile insurance consumer information act"; provides for automobile insurance consumer information and complaint ranking; creates office of public insurance consumer advocate and powers and duties therefor; makes related provisions.

Ensures the decision to downcode an insurance claim is recognized as an adverse determination; prohibits health plans from reversing or altering medical necessity determinations made by a utilization review agent or external appeals agent as a result of an audit of claims.

Relates to coverage for applied behavior analysis and for developmental, individual-differences, relationship-based treatment of autism spectrum disorder.

Relates to claims for loss or damage to real property; creates continuing education requirements for licensed persons and qualifications for public and independent adjusters; allows for a revocation of licenses with an opportunity to reapply for such licenses.

Prohibits discrimination through the use of clinical algorithms; provides exceptions for clinical algorithms that rely on variables to appropriately make decisions, including to identify, evaluate, and address health disparities.

Relates to examinations under oath under the comprehensive motor vehicle insurance reparations act; grants claimants the right to counsel in an examination under oath; requires such examination to be transcribed; gives claimants the right to receive the transcript of such examination; prohibits insurance companies from denying first party benefits pursuant to an examination under oath until it is awarded permission to do so in arbitration.

Prohibits the retrospective denial of payment for substance use disorder treatment services if an insured was covered for such services at the time treatment was initiated; requires insurers to notify a treatment provider when an insured has lost coverage based on termination of the insured's employment.

Addresses non-covered dental services by requiring all policies providing coverage of and all contracts for dental services issued to include a disclosure stating that a participating provider may charge their normal fee for services that are not covered; requires a cost estimate to be provided.

Grants the superintendent of financial services authority to investigate fraudulent activities, such as motor vehicle operators who drive with no insurance coverage, and those who misrepresent their principal place of residence or where their motor vehicle is principally garaged and operated; authorizes such superintendent to accept reports of suspected fraudulent insurance actions; requires insurance companies and self-insurers to report incidents of insurance fraud to the department of financial services; includes within the class D felony of forgery in the second degree, the forgery of a certificate of insurance or an insurance identification card; includes within the class C felony of forgery in the first degree, the forgery of 10 or more written instruments; includes within the class E felony of insurance fraud in the fourth degree, the operation of a motor vehicle in this state when the vehicle is insured in another state, but it is actually garaged in this state or the owner principally resides in this state; requires applicants for motor vehicle registrations and driver's licenses to provide the department of motor vehicles with the address of their principal place of residence; relates to the crime of unauthorized use of a motor vehicle; adds other motor vehicle related crimes as predicate crimes which may increase punishment for unauthorized use of a motor vehicle in the second degree when one is convicted of such crimes within the preceding ten years.

Relates to prescription drug formulary coverage for interchangeable biologics and biosimilars.

Requires insurance companies to establish and maintain API to facilitate patient and provider access to health information; includes patient access, provider directory and payer to payer exchange.

Requires coverage for colorectal cancer early detection beginning at age thirty-five; adds coverage for colorectal cancer early detection as a required coverage for individual policies; requires notification of colorectal early detection coverage to be provided to insured individuals beginning at age thirty-five.

Directs the department of financial services to conduct a study examining the increasing costs of insurance premiums, the lack of availability of insurance coverage for losses from flooding, and the possibility of supporting a private flood insurance market in the state.

Requires providers of insurance policies to maintain a database of health care providers offering foreign language services.

Establishes the construction insurance notification act (CINA) requiring notification of governmental agencies and departments when certain construction insurance policies have lapsed or been canceled.

Preserves the ability of health care providers to access the independent dispute resolution process.

Authorizes the investigation of fraudulent activities with regard to individuals operating motor vehicles without insurance; increases the civil penalty for forging insurance documents; creates the crime of offering a false application for motor vehicle insurance or registration.

Requires health insurance policies to include coverage of optional anesthesia for certain contraceptive and menstrual health procedures including, but not limited to, loop electrosurgical excision procedure, colposcopy, ablation, and intrauterine device insertion.

Requires insurers to provide information on resources for insureds or enrollees recently diagnosed with Alzheimer's disease.

Sets the reimbursement for mobile crisis intervention services to be a rate that is not less than the rate that would be paid for such services pursuant to the medical assistance program under title eleven of article five of the social services law.

Prohibits insurance companies from discriminating based on genetic predisposition including refusing to issue or renew, charging any increased rate, or restricting any length of coverage; prohibits insurers from requiring genetic testing.

Requires insurance policies to provide coverage for medically necessary hearing aids purchased from hearing aid dispensers.

Establishes a health care disparities data collection system.

Relates to the creation of a study of the minimum coverage amounts for non-commercial auto insurance.

Prohibits an individual or entity that performs services, work, or repairs from performing the services, work, or repairs relating to any insurance claim for which a public adjuster represents the insured or has negotiated or effected a settlement where such public adjuster has a financial or ownership interest in such individual or entity that performs the services, work, or repairs; requires public adjusters to make certain disclosures.

Prohibits animal insurance policies from limiting or excluding pre-existing conditions.

Relates to actions by health care providers against patients; provides that it shall be an affirmative defense to an action by a health care provider against a patient for recovery of payment for an outstanding bill that such health care provider failed to submit such insurance claim to the patient's insurer in a timely manner.

Provides that for a substance use disorder outpatient treatment episode of care by a provider licensed, certified or otherwise authorized by the office of addiction services and supports, an insured shall only be responsible for a cost sharing fee not to exceed two hundred fifty dollars.

Provides coverage for a cranial prosthesis under certain conditions; defines a cranial prosthesis as a wig or hairpiece.

Relates to providing translators at certain polling place locations if fifteen percent of the number of voting age citizens who speak the same language other than English at home reside in the district where such polling place is located.

Provides that every policy which provides coverage for hospital, surgical or medical care or provides reimbursement for laboratory tests or diagnostic X-rays shall provide coverage for testing of familial dysautonomia, Canavan's disease and Tay-Sachs; provides that in order to maintain the confidentiality of persons tested, receipt of acknowledgement from the testing facility shall be deemed sufficient evidence of testing.

Requires long term care insurance carriers who propose to raise long term care insurance premiums to obtain prior approval of the superintendent of financial services.

Requires certain health insurance policies to include coverage for the cost of certain infant and baby formulas.

Requires disclosure, in such form as the superintendent shall require, of non-confidential information regarding step therapy override requests and determinations on a website that is readily accessible to the public.

Provides that group health insurance policies offered in the large group market that is issued, amended, or renewed in this state shall provide coverage for corrective lenses used to correct the sight of individuals medically diagnosed with color vision deficiency.

Requires health insurance policies and contracts shall provide coverage for the diagnosis and treatment of lymphedema, both primary and secondary lymphedema; requires such coverage shall include benefits for equipment, supplies, devices, complex decongestive therapy and out-patient self-management training and education for the treatment of lymphedema, both primary and secondary lymphedema.

Establishes patient safety and quality assurance measures regarding the distribution of patient-specific medication from an insurer-designated pharmacy; prohibits certain "brown bagging" and "white bagging" policies regarding pharmacy provided medications.

Prohibits insurer from increasing auto insurance premiums upon renewal for persons 60 years of age or over based solely on the ground of the insured's age.

Relates to reducing pharmacy benefit manager costs; defines "pharmacy benefit manager".

Provides for the establishment of residential home safety and loss prevention courses certified by the superintendent of financial services; requires insurers to provide actuarially appropriate discounts on fire and homeowners insurance premiums to those homeowners who have completed a residential home safety and loss prevention course; directs the superintendent of financial services to promulgate such rules and regulations as are necessary to implement such program and specifies certain matters which must be included in such rules and regulations; requires the superintendent of financial services to issue a report thereon.

Directs the department of financial services to study health insurance coverage through the Marketplace, including collecting data on how many people are insured, and studying the feasibility of creating programs, subsidies, and/or tax credits to help expand health care coverage.

Requires insurance companies to provide at least ninety days of rehabilitation services to an insured upon a doctor's prescription.

Provides protection to certain retirees from de-risking pension transactions.

Identifies certain group policies, group contracts and certificates issued thereunder exempting them from filing and approval requirements.

Requires health insurers to offer coverage of health care provided by out-of-network providers.

Relates to medical malpractice excess line insurance.

Relates to an owner's policy of liability insurance; increases the limits for liability arising out of bodily injury to or death of any person.

Requires policies covering losses or damages from cyberattacks to include a requirement that the insured notify a law enforcement agency before receiving payment for losses or damages suffered as a result of the cyberattack.

Provides that individuals may receive breast cancer screenings under an insurance plan when such individual has a second degree relative with a prior history of breast cancer.

Restricts insurers from demanding intrusive personal, financial and tax information from insureds as a standard practice in processing ordinary theft claims where no special circumstances warranting a demand for such information exists.

Requires insurers to cover the substitution of a brand name prescription drug when the federal food and drug administration has declared that there is a supply issue with a generic drug.

Provides for notice requirements where an insurer authorized to write accident and health insurance in this state, a corporation organized pursuant to article forty-three of this chapter, or a health maintenance organization certified pursuant to article forty-four of the public health law uses artificial intelligence-based algorithms in the utilization review process.

Provides for insurance coverage of comprehensive annual medical examinations for firefighters due to their increased risk for cancer and cancer-related diseases.

Provides a reduction in insurance premium charges for insured volunteer firefighters and emergency personnel for a 3 year period after successfully completing the emergency vehicle operator's course as part of their training.

Relates to the distribution of the foreign and alien fire insurance premium tax; provides amount received shall be distributed to the fire companies in proportion to the number of active members within each company.

Requires insurance coverage for early egg and peanut allergen introduction dietary supplements for infants at no cost.

Allows for certain notices related to property/casualty insurance contracts under the vehicle and traffic law to be delivered by electronic means.

Relates to replacement of individual life insurance policies or annuity contracts; amends provisions relating to misrepresentations and misleading statements; requires replacements regulation be consistent with policies of the national association of insurance commissioners.

Regulates the issuance of pet insurance policies covering veterinary expenses.

Ensures that supplemental uninsured/underinsured insurance coverage is included in certain insurance policies; provides for certain notice and information to be given to insured motorists; extends certain provisions relating to supplemental uninsured/underinsured insurance coverage until 6/30/2029.

Authorizes the superintendent of financial services to conduct a study and make recommendations on title insurance premium rates in NYS.

Prohibits insurers from limiting payment on claims for damage to motor vehicles based on pricing caps for labor, parts, paint or repair materials; prohibits insurers from recommending a particular repair facility.

Repeals provisions relating to the prohibited advertisement of the corporation in sale of insurance.

Provides that in the repair of a collision damaged motor vehicle, no motor vehicle repair shop or insurer shall deviate from the collision repair guidelines, procedures, recommendations and service bulletins issued by a vehicle or original equipment manufacturer without the written authorization from the vehicle owner or such owner's representative.

Requires property/casualty insurance policies to state the types and causes of damage that are covered by such policy; requires such information to be provided at or near the beginning of such policy.

Requires peer-to-peer car sharing programs provide insurance coverage in amounts equal to the financial responsibility requirements set forth in section three hundred eleven of the vehicle and traffic law; removes requirements relating to requiring additional insurance coverage.

Authorizes an insurer to pay a claim for reimbursement made by a provider using a credit card, virtual credit card or electronic funds transfer payment method that imposes on the provider a free or similar charge to process the payment; defines "virtual credit card" as a single-use series of numbers linked to a fixed dollar amount and provided by an insurer to a provider for the purpose of paying a claim for health care services performed by the provider; makes related provisions.

Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.

Requires that health insurance policies shall provide coverage for follow-up screening or diagnostic services for lung cancer; provides that no patient cost sharing shall be imposed for follow-up screening or diagnostic services for lung cancer.

Requires insurance coverage for one rescue and one maintenance inhaler at no cost.

Requires the superintendent to promulgate regulations which provide standardized definitions for commonly used terms and phrases in certain insurance policies.

Requires certain health insurance policies include coverage for services provided by pharmacists related to contraceptives.

Requires insurance policies to provide coverage for transvaginal ultrasounds during pregnancy.

Relates to contractual liability insurance policies; provides that each provider may maintain a maximum of five service contract reimbursement insurance policies insuring its service contracts actively offered.

Provides that every insurance policy delivered or issued for delivery in New York which provides major medical or similar comprehensive-type coverage shall provide space on any enrollment, renewal or initial online portal process forms so that the insured or applicant for insurance shall register or decline registration in the donate life registry.

Requires health insurance policies to cover costs for pediatric acute-onset neuropsychiatric syndrome rehabilitation treatment.

Extends certain provisions relating to medical malpractice insurers until December 31, 2028.

Requires certain health insurance policies include coverage for services provided by pharmacists related to contraceptives.

Requires insurance coverage to backup devices for patients with cochlear implants during the initial implantation and for replacements and upgrades.

Relates to indexing fixed amounts and clarifying compliance with respect to life insurance agents.

Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.

Requires the superintendent of financial services to audit certain reports to ensure such insurers are in full compliance with federal and state mental health and substance use disorder parity requirements.

Relates to coverage for prenatal vitamins and related insurance coverages.

Requires certain large group health insurance policies and contracts to cover scalp cooling systems for the preservation of hair during cancer chemotherapy treatment.

Requires insurance contracts to cover neuropsychological examinations for dyslexia when performed by a health care professional licensed, certified, or authorized pursuant to title eight of the education law and acting within their scope of practice.

Clarifies coverage requirements for epinephrine auto-injectors; specifies that such coverage may be subject to the plan's annual deductible.

Requires a utilization review agent to follow certain rules when establishing a step therapy protocol; requires that the protocol accepts any attestation submitted by the insured's health care professional stating that a required drug has failed as prima facie evidence that the required drug has failed.

Provides coverage for scalp cooling systems used to preserve hair during cancer chemotherapy treatment.

Relates to parametric insurance; requires insurers providing parametric insurance include certain disclosures in the application for the policy; makes related provisions.

Establishes a captive insurance program for commuter vans, black cars, ambulettes and paratransit vehicles, small school buses, and charter buses that are engaged in the business of carrying or transporting eight to twenty-four passengers for hire; pre-arranged for-hire vehicles and accessible vehicles; defines terms.

Requires insurance policies to cover neuropsychological exams for dyslexia under certain circumstances; caps coverage amount.

Directs the department of financial services to conduct a study examining the increasing costs of insurance premiums, the lack of availability of insurance coverage for losses from flooding, and the possibility of supporting a private flood insurance market in the state.

Addresses non-covered dental services by prohibiting insurers from including in a contract or agreement with a dentist requirements to set fees or require approval fees for services not covered under a person's dental plan; prohibits medical expense indemnity corporations, dental expense indemnity corporations and health service corporations from including in a contract or agreement with a dentist requirements to set fees or require approval fees for services not covered under a person's dental plan.

Prohibits insurers from reducing disability benefits due to the actual or anticipated receipt of social security disability benefits unless certain conditions are met.

Relates to contractual liability insurance policies; requires the insurer to either discharge the obligations of the provider under the terms of the service contract, or in the event of the provider's nonperformance, cancellation of the service contract.

Requires certain health and casualty insurers to provide coverage for prenatal vitamins.

Extends provisions relating to the health savings account pilot program to December 31, 2027.

Authorizes stand-alone business interruption insurance.

Provides for a credit insurance policy for the indemnification of an intended parent for expenses disbursed when either the intended parent or a person acting as surrogate receives in-vitro fertilization or intrauterine insemination treatment that fails and does not result in the birth of a child.

Establishes a mandated window of five business days for both Medicaid and private insurers to respond to pre-authorization claims for testing and/or treatments made by physicians on behalf of oncology patients.

Requires insurers to provide coverage for tattooing of the nipple-areolar complex pursuant to or as part of breast reconstruction surgery if such tattooing is performed by a physician or other health care practitioner working within their scope of practice.

Provides for state assistance to local governments for the enforcement of fire prevention and building codes using monies paid into the code enforcement account.

Requires insurance policies to provide coverage for medically necessary hearing aids purchased from hearing aid dispensers.

Prohibits insurers from restricting or imposing delays in the distribution of antiretroviral prescription drugs prescribed to a person for the treatment or prevention of the human immunodeficiency virus (HIV) or acquired immunodeficiency syndrome (AIDS).

Prohibits insurers from restricting or imposing delays in the distribution of antiretroviral prescription drugs prescribed to a person for the treatment or prevention of the human immunodeficiency virus (HIV) or acquired immunodeficiency syndrome (AIDS).

Allows for Medicaid accountable care organizations to purchase experience-rated health insurance for their members.

Requires insurers to provide insurance coverage for treatment of rare diseases, life-threatening conditions or diseases, degenerative and disabling conditions, or diagnoses involving medically fragile children, by a provider of the patient's choice.

Provides that individuals may receive breast cancer screenings under an insurance plan when such individual has a second degree relative with a prior history of breast cancer.

Relates to wireless communications equipment protection plans offered for sale by wireless communication equipment vendors; defines terms; requires certain notices and consumer protections.

Provides that for treatment of substance use disorder, an insured shall only be responsible for annual deductibles and coinsurance and that the total amount that an insured shall be required to pay out-of-pocket is capped out at an amount not to exceed five hundred dollars for an episode of care.

Requires insurance companies, medical expense indemnity corporations, hospital service corporations, health service corporations and medical assistance programs to provide coverage for prescribed antiviral therapeutics approved by the food and drug administration for the treatment of COVID-19 at no cost to the patient.

Requires insurance policies to provide coverage for transvaginal ultrasounds during pregnancy.

Provides for standardized health insurance contracts for small dental employers who meet certain criteria.

Authorizes insurers to provide no or low cost loss prevention programs to policyholders, pursuant to regulations.

Prohibits restrictions on insurance policies based solely on the policyholder harboring or owning any dog of a specific breed or mixture of breeds.

Relates to gender indication on insurance claim forms; provides policies shall not exclude coverage if gender indication is different from sex assigned at birth or gender otherwise recorded.

Requires certain insurance policies allow patients additional screenings for breast cancer when the provider deems such screening is necessary under nationally recognized clinical practice guidelines.

Provides for a premium reduction for physicians and licensed midwives who complete a risk management strategies course in obstetrics or midwifery.

Requires a utilization review agent to follow certain rules when establishing a step therapy protocol; requires that the protocol accepts any attestation submitted by the insured's health care professional stating that a required drug has failed as prima facie evidence that the required drug has failed.

Extends provisions relating to the health savings account pilot program to December 31, 2027.

Requires health insurance plans to provide coverage for epinephrine auto-injector devices; caps the cost to an insured at $100 per year.

Increases the number of properties eligible for the coastal market assistance program by providing eligibility to properties within one mile of the shore.

Relates to mortgage guaranty insurance; allows for withdrawals from the contingency reserve if the superintendent determines that such withdrawals will not be harmful to policy holders.

Provides for coverage for the treatment of asthma.

Prohibits the imposition of a charge or deduction from a payment due to a health care provider because such payment is made through electronic or paper means.

Provides for coverage for the treatment of asthma.

Authorizes health insurers and health maintenance organizations, subject to the approval of the superintendent of financial services, to provide actuarially appropriate reductions in health insurance premiums or other benefits or enhancements for an enrollee's or insured's participation in a qualified wellness program.

Allows for certain notices related to property/casualty insurance contracts under the vehicle and traffic law to be delivered by electronic means.

Permits a waiver of the diligent effort requirement in limited circumstances for certain insurance coverage to be placed by licensed excess line brokers with unauthorized insurers where a retail producing insurance broker seeks to procure or place commercial lines insurance through an unaffiliated wholesale excess line insurance broker.

Establishes the insuring our future act to implement climate leadership and community protection act targets for insurers; establishes reporting requirements related to such targets; defines communities vulnerable to bluelining; identifies and protects such communities.

Relates to extending the exemption from filing requirements only with respect to rates and policy forms to businesses underwritten and transacted from an office outside this state.

Requires health insurance policies which provide coverage for mammography screenings also provide coverage for breast ultrasounds for cancer screening.

Relates to gender indication on insurance claim forms; provides policies shall not exclude coverage if gender indication is different from sex assigned at birth or gender otherwise recorded.

Expands authorization for certain exemptions from filing requirements.

Prohibits health insurers, health care plans and HMOs from requiring prior authorization for pre-exposure prophylaxis used to prevent HIV infection, provided that the health insurer, health care plan or HMO can confirm that the insured prescribed pre-exposure prophylaxis has tested negative for HIV within the previous one hundred and twenty days.

Requires insurance companies, medical expense indemnity corporations, hospital service corporations, health service corporations and medical assistance programs to provide coverage for prescribed antiviral therapeutics approved by the food and drug administration for the treatment of COVID-19 at no cost to the patient.

Requires insurers to cover the substitution of a brand name prescription drug when the federal food and drug administration has declared that there is a supply issue with a generic drug.

Relates to extending the exemption from filing requirements only with respect to rates and policy forms to businesses underwritten and transacted from an office outside this state.

Requires insurance coverage for lactation consultant services by professionally certified counselors who evaluate and manage lactation and infant feeding problems and provide preventative clinical consulting to prevent or minimize the occurrence of potential problems.

Requires certain disclosures by automobile insurers relating to the use of telematics systems in determining insurance rates and/or discounts.

Authorizes the investigation of fraudulent activities with regard to individuals operating motor vehicles without insurance; increases the civil penalty for forging insurance documents; creates the crime of offering a false application for motor vehicle insurance or registration.

Prohibits the imposition of different premium rates for disability insurance based on gender.

Prohibits the retrospective denial of payment for substance use disorder treatment services if an insured was covered for such services at the time treatment was initiated; requires insurers to notify a treatment provider when an insured has lost coverage based on termination of the insured's employment.

Sets the reimbursement for mobile crisis intervention services to be a rate that is not less than the rate that would be paid for such services pursuant to the medical assistance program under title eleven of article five of the social services law.

Requires the superintendent of financial services to audit certain reports to ensure such insurers are in full compliance with federal and state mental health and substance use disorder parity requirements.

Permits an insurer to rescind or retroactively cancel a policy in circumstance involving an accident staged to defraud an insurer.

Permits an insurer to rescind or retroactively cancel a policy in circumstance involving an accident staged to defraud an insurer.

Prohibits insurance discrimination because of the affordability of residential buildings.

Relates to licensing of independent insurance adjusters by waiving requirements regarding a written examination if the applicant holds a claim certification from a national or state-based claims association.

Allows for certain notices related to property/casualty insurance contracts under the vehicle and traffic law to be delivered by electronic means.

Requires the superintendent to promulgate regulations which provide standardized definitions for commonly used terms and phrases in certain insurance policies.

Allows for insurance providers and corporations to create and offer reward or incentive programs to eligible members.

Relates to flood insurance notice in communities bordering Lake Ontario; requires the department of financial services to publish an annual notice with the department's contact information and a statement about flood insurance and how it relates to standard homeowners insurance policies in local newspapers that serve the communities bordering Lake Ontario.

Prohibits insurers from refusing to renew a policy on certain automobiles used for volunteer social service transportation; distinguishes automobiles used for volunteer social service transportation from transportation company network vehicles and livery vehicles.

Allows a notice of dense breast tissue to be considered a determination of medical necessity for purposes of coverage of breast ultrasounds as recommended by a provider of mammography services.

Authorizes health insurers and health maintenance organizations, subject to the approval of the superintendent of financial services, to provide actuarially appropriate reductions in health insurance premiums or other benefits or enhancements for an enrollee's or insured's participation in a qualified wellness program.

Authorizes health insurers and health maintenance organizations, subject to the approval of the superintendent of financial services, to provide actuarially appropriate reductions in health insurance premiums or other benefits or enhancements for an enrollee's or insured's participation in a qualified wellness program.

Relates to alternative forms of identification for renters insurance, including a municipal identification card, or other state or local government-issued identification card, or a notarized copy of the rental lease signed by the property owner, the property management firm and the insured.

Requires coverage under the healthy New York program for mental illness.

Requires contracts for insurance to provide value-based care for maternity coverage; defines value-based care as an arrangement that financially rewards certain positive outcomes and financially penalizes certain negative outcomes.

Provides for notice requirements where an insurer authorized to write accident and health insurance in this state, a corporation organized pursuant to article forty-three of this chapter, or a health maintenance organization certified pursuant to article forty-four of the public health law uses artificial intelligence-based algorithms in the utilization review process.

Relates to supplementary uninsured and underinsured motorist coverage for police agencies; removes provisions of law relating to self-insurance; amends the effective date to remove contracts.

Relates to reducing the cost of prescription drugs by establishing maximum wholesale drug prices that are the same as the prices in Canada.

Requires certain health insurance issuers to certify that at least a majority of prescription drug rebates are provided to patients at the point of sale.

Establishes the prescription drug supply chain transparency act; requires pharmacy services administrative organizations, pharmacy switch companies and rebate aggregators to register with the insurance department and to provide certain disclosures relating to the ownership and activities of such entities; relates to deposits into the pharmacy benefit manager regulatory fund.

Enacts the "New York small contractor relief act"; defines terms; authorizes a small contractor captive insurance company to purchase, and the New York state insurance fund shall be authorized and directed to provide, reinsurance and retrocession reinsurance for such captive insurance company, on either a quota share arrangement or facultative arrangement at a rate to be determined by the board of the fund; provides that a small contractor captive insurance company organized pursuant to this article shall not refuse to issue, renew or cancel a policy of any qualified small construction contractor based upon geographic location or line of business engaged in by such contractor; makes related provisions.

Authorizes certain policies issued by a risk retention group not chartered in this state; requires reporting by certain risk retention groups of other state's examinations, audits, or other investigations and their findings; amends the effective date of a chapter of the laws of 2023 amending the insurance law and the vehicle and traffic law relating to owner's policies of liability insurance issued by a risk retention group not chartered within this state, as proposed in legislative bills numbers S.5959-B and A.5718-B, to March 1, 2024.

Relates to provisions for wellness programs under life and accident and health insurance policies; provides that a "wellness program" shall not include limited benefits health insurance; authorizes an insurer to contract with a third party for purposes of administering or operating a wellness program on such insurer's behalf.

Establishes standards for the prompt investigation and settlement of claims arising out of states of emergency and disasters.

Permits pregnant women to enroll in the state health insurance exchange at any time without penalty.

Requires insurers and health plans to grant automatic preauthorization approvals to eligible health care professionals in certain circumstances.

Establishes standards for the prompt investigation and settlement of claims arising out of states of emergency and disasters; relates to the effectiveness thereof.

Relates to medical assistance coverage for medically tailored meals and medical nutrition therapy for the purpose of chronic disease management.

Directs the establishment of a pool of utilization review agents from health services specialties; requires impartiality; provides for the appointment of agents from the pool; requires random review of utilization review records; prohibits conflicts of interest.

Relates to verification of claims made under the comprehensive motor vehicle insurance reparations act.

Relates to licensing of independent insurance adjusters by waiving requirements regarding a written examination if the applicant holds a claim certification from a national or state-based claims association.

Requires policies covering losses or damages from cyberattacks to include a requirement that the insured notify a law enforcement agency before receiving payment for losses or damages suffered as a result of the cyberattack.

Provides for standardized health insurance contracts for small dental employers who meet certain criteria.

Requires health insurance policies to include coverage for doula services as required coverage for maternity care.

Requires insurers to provide information on resources for insureds or enrollees recently diagnosed with Alzheimer's disease.

Provides for the formation of mutual holding companies by certain domestic mutual property/casualty insurers and the reorganization in connection therewith of a domestic mutual property/casualty insurer into a domestic stock property/casualty insurer.

Relates to access to appropriate drugs at reasonable prices, formulary exceptions, standing prior authorizations and external appeals; to access to retail pharmacies, prescription synchronization, limits on patient drug costs, explanations of benefits and rebates; to prescription drug synchronization; to pharmacy benefit management; and to limits on copayments and drug substitutions.

Requires insurers to provide electronic notification when prior authorization is required to fill a prescription if requested by the insured.

Requires that policy provisions regarding supplemental spousal liability insurance apply only to policies issued or delivered to an insured who is married.

Requires property/casualty insurance policies to state the types and causes of damage that are covered by such policy; requires such information to be provided at or near the beginning of such policy.

Relates to coverage for applied behavior analysis and for developmental, individual-differences, relationship-based treatment of autism spectrum disorder.

Prohibits insurers from requiring a property owner to disclose the presence of tenants receiving rental assistance.

Enacts the "Give Kids a Chance - Carter's Law" mandating health insurance coverage for congenital anomalies including certain reconstructive services, habilitative services, and inpatient and outpatient services.

Provides for the use of telematics or usage-based insurance for private passenger or commercial automobile insurance or policies in certain circumstances.

Prohibits the application of fail-first or step therapy protocols to coverage for the diagnosis and treatment of serious mental health conditions; defines serious mental health condition.

Provides that the New York state health care quality and cost containment commission shall: evaluate each mandated benefit; investigate current practices of health plans with regard to the mandated benefit; investigate the potential premium impact of repealing and/or modifying the mandated benefits on all segments of the insurance market; hold at least two public hearings; and submit a report to the legislature; makes related provisions.

Preserves the ability of health care providers to access the independent dispute resolution process.

Permits any title insurance corporation or title insurance agent, or any other person acting for or on behalf of the title insurance corporation or title insurance agent, from undertaking any usual and customary marketing activity aimed at acquainting present and prospective customers with the advantages of using a particular title insurer or title insurance agent that are not intended for the purpose of a reward for the future placement of, or the past placement, of a particular piece of title insurance business; lays out such permitted practices.

Relates to the distribution of fire insurance premium taxes; provides that a percentage of fire insurance premium taxes be paid to the treasurer of the NYS Professional Firefighters Association to promote, support and maintain the well-being of paid professional firefighters employed in the state.

Authorizes service charges for gap waivers.

Relates to mandatory health insurance coverage for acupuncture services.

Enacts the "automobile insurance consumer information act"; provides for automobile insurance consumer information and complaint ranking; creates office of public insurance consumer advocate and powers and duties therefor; makes related provisions.

Requires private insurance plans which provide for reimbursement for psychiatric or psychological services or for diagnosis and treatment of mental health conditions to include reimbursement for services provided by child advocacy centers.

Prohibits cancellation, non-renewal or conditioning renewal of automobile insurance of a policyholder solely as a result of a dispute or a complaint pending against the insurer.

Provides for increased podiatry care and benefits under individual and group accident and health insurance policies and contracts within non-profit medical and dental indemnity, or health and hospital service corporations.

Relates to reducing pharmacy benefit manager costs; defines "pharmacy benefit manager".

Grants the superintendent of financial services authority to investigate fraudulent activities, such as motor vehicle operators who drive with no insurance coverage, and those who misrepresent their principal place of residence or where their motor vehicle is principally garaged and operated; authorizes such superintendent to accept reports of suspected fraudulent insurance actions; requires insurance companies and self-insurers to report incidents of insurance fraud to the department of financial services; includes within the class D felony of forgery in the second degree, the forgery of a certificate of insurance or an insurance identification card; includes within the class C felony of forgery in the first degree, the forgery of 10 or more written instruments; includes within the class E felony of insurance fraud in the fourth degree, the operation of a motor vehicle in this state when the vehicle is insured in another state, but it is actually garaged in this state or the owner principally resides in this state; requires applicants for motor vehicle registrations and driver's licenses to provide the department of motor vehicles with the address of their principal place of residence; relates to the crime of unauthorized use of a motor vehicle; adds other motor vehicle related crimes as predicate crimes which may increase punishment for unauthorized use of a motor vehicle in the second degree when one is convicted of such crimes within the preceding ten years.

Establishes the "Interstate insurance product regulation compact" to regulate certain insurance products among member states and to promote and protect the interest of consumers of individual and group annuity, life insurance, disability income and long-term care insurance products.

Extends the free look period for senior citizens purchasing individual health insurance policies or contracts.

Removes the state insurance fund's exemption from licensing and other requirements of the insurance law; requires the superintendent of financial services to approve the rules adopted by the state insurance fund for the conduct of its business; removes the requirement for policyholders to provide thirty days notice to withdraw from the state insurance fund.

Prohibits health insurers from requiring that the insured purchase prescribed drugs from a mail order pharmacy or pay a co-payment fee when such purchases are not made from a mail order pharmacy if a similar fee is not charged for drugs from a mail order pharmacy.

Provides that insurance policies which provide hospital, surgical or medical coverage shall provide coverage for hysterectomies; provides that such coverage shall include inpatient hospital coverage for a minimum period of seventy-two hours after surgery.

Provides for health insurance coverage for nutritional care provided through licensed nutritionists.

Requires insurer to respond within thirty days of a written request from an insured for his or her health plan documents, including copies of most recent group or individual contracts.

Reduces the minimum nonforfeiture interest rate for annuities from one percent to one half of one percent for annuities during the surrender charge period, and from one percent to fifteen hundredths of one percent during any contract period with no surrender charge.

Requires insurance companies to provide at least ninety days of rehabilitation services to an insured upon a doctor's prescription.

Permits a waiver of the diligent effort requirement in limited circumstances for certain insurance coverage to be placed by licensed excess line brokers with unauthorized insurers where a retail producing insurance broker seeks to procure or place commercial lines insurance through an unaffiliated wholesale excess line insurance broker.

Limits co-payments for physical and occupational therapy services.

Requires insurance reimbursement for the total direct and indirect practice expenses associated with vaccinations.

Requires the use of the current edition of American medical association's current procedural terminology (CPT) with respect to claims for evaluation and management codes.

Provides that every health insurance policy which provides coverage for hospital, surgical or medical care shall provide coverage for the standard diagnostic testing for ovarian cancer upon the recommendation of a physician; provides that such standard diagnostic testing shall include a pelvic examination, a sonogram and a CA 125 blood test and related laboratory and diagnostic services.

Requires certain health insurance policies and contracts to provide coverage for human leukocyte antigen testing, also referred to as histocompatible locus antigen testing, for A, B, and DR antigens, for utilization in tissue typing for bone marrow testing.

Provides that the governing body of municipal corporation, may by resolution agree to join together with any municipal corporation or corporations to establish a joint insurance fund for the purpose of insuring against liability, property damage, and workers' compensation, insuring against loss or theft of moneys or securities, providing blanket bond coverage of certain county or municipal officers and employees for faithful performance and discharge of their duties under the public officers' law, insuring against bodily injury and property damage claims arising from environmental impairment liability and legal representation therefor to the extent that such coverages; makes related provisions.

Requires services provided by telehealth be reimbursed at the same rate as an in-office visit.

Requires health insurers to provide coverage for long term medical care for Lyme disease and other tick borne related pathogens; provides for taxpayer gifts for tick borne illness research, detection and education; establishes the tick borne illness research, detection and education fund.

Relates to authorizing non-insurance benefits or services to be offered as part of group life or group or blanket accident or health insurance policies.

Requires insurance coverage for the HALO breast pap test to detect risk of developing breast cancer.

Authorizes all municipalities, with the consent of the county and the governing body of such municipality, to join a county self-funded or self-insured health plan; requires certification.

Provides for mandatory health insurance coverage for providing prosthetic devices.

Identifies certain group policies, group contracts and certificates issued thereunder exempting them from filing and approval requirements.

Prohibits insurers from selling policies of insurance which duplicate existing coverage relative to long term health care policies.

Imposes a tax on out-of-state transfers, dividends, payments, and loans by certain accident and health insurance companies and health maintenance organizations to be deposited in the New York state agency trust fund, distressed provider assistance account.

Requires health insurers to offer coverage of health care provided by out-of-network providers.

Relates to reimbursement for ambulance services; requires insurers to submit payments directly to ambulance providers who are in-network or, for out-of-network ambulance providers, requires the issuance of a joint check to the insured specifying both the insured and the ambulance provider as payees.

Limits certain regulations or orders promulgated by the superintendent; provides that the department of financial services shall issue a report on the effects that its suitability and best interest in life insurance and annuity transaction regulations have had on the term life insurance market.

Permits an insurer to rescind or retroactively cancel a policy in circumstance involving an accident staged to defraud an insurer.

Directs the superintendent of financial services to promulgate rules and regulations limiting the use of credit scores to determine automobile insurance premiums.

Provides that health insurance contracts and policies for long term care shall be renewable each year at the option of the insured unless there is nonpayment of premiums.

Requires public vessels which carry passengers to be covered by insurance or a surety bond covering injury or death to the passengers.

Includes clinically necessary treatment for certain inpatient coverage, which shall mean an individual's medical needs and any social determinants of health that will promote such individual's stability following discharge from treatment.

Requires liability insurance for owners of firearms, rifles and shotguns.

Requires a notice of a change in premium for a renewal of a commercial insurance policy shall be mailed or delivered at least ninety days in advance of the expiration date of such policy.

Relates to prohibitions on rebating and discrimination in rates and payments under insurance policies; provides that certain services shall not be considered to be an inducement or rebate unless the superintendent determines that the offer and sale of such services constituted the sole reason for the purchase of such insurance policy.

Requires insurance coverage for the cost of donated breast milk.

Relates to deductibles for physical damage insurance.

Requires that an insurer participating in the assigned risk plan shall review the risk profiles of each policy holder that has been assigned to such insurer through the plan to determine if such policy holders are eligible for motor vehicle insurance coverage written by such insurer in the voluntary market.

Prohibits insurer from increasing auto insurance premiums upon renewal for persons 60 years of age or over based solely on the ground of the insured's age.

Requires insurers to display certain underwriting information on the declarations page to their homeowners and dwelling fire personal lines policies.

Prohibits an individual or entity that performs services, work, or repairs from performing the services, work, or repairs relating to any insurance claim for which a public adjuster represents the insured or has negotiated or effected a settlement where such public adjuster has a financial or ownership interest in such individual or entity that performs the services, work, or repairs; requires public adjusters to make certain disclosures.

Requires insurance and Medicaid coverage for inpatient and outpatient substance abuse treatment for a period of not less than forty-five days.

Requires health insurance coverage for substance use disorder treatment services.

Provides for the establishment of residential home safety and loss prevention courses certified by the superintendent of financial services; requires insurers to provide actuarially appropriate discounts on fire and homeowners insurance premiums to those homeowners who have completed a residential home safety and loss prevention course; directs the superintendent of financial services to promulgate such rules and regulations as are necessary to implement such program and specifies certain matters which must be included in such rules and regulations; requires the superintendent of financial services to issue a report thereon.

Provides for transparency in long term care insurance rates.

Increases certain monetary limits under the comprehensive motor vehicle insurance reparations (No-fault) act; includes additional non-medical expenses.

Provides written notice of premium rate changes not less than sixty days prior to the effective date of such rate changes.

Establishes a health care disparities data collection system.

Establishes patient safety and quality assurance measures regarding the distribution of patient-specific medication from an insurer-designated pharmacy; prohibits certain "brown bagging" and "white bagging" policies regarding pharmacy provided medications.

Enacts the New York automobile insurance fraud and premium reduction act; provides that this act is aimed at reducing insurance fraud and thus lowering the cost of insurance premiums; provides a provision for compensation to a person that reports insurance fraud to the authorities; further provides that this act also increases the penalty for insurance fraud; appropriates $3,100,000 therefor.

Provides that every policy which provides coverage for hospital, surgical or medical care or provides reimbursement for laboratory tests or diagnostic X-rays shall provide coverage for testing of familial dysautonomia, Canavan's disease and Tay-Sachs; provides that in order to maintain the confidentiality of persons tested, receipt of acknowledgement from the testing facility shall be deemed sufficient evidence of testing.

Prohibits animal insurance policies from limiting or excluding pre-existing conditions.

Allows residents who are employed by employers based in another state to obtain property/casualty or liability coverage under a policy issued to their employer in that state.

Requires disclosure, in such form as the superintendent shall require, of non-confidential information regarding step therapy override requests and determinations on a website that is readily accessible to the public.

Requires that any schedule of rates or rating plan for non-commercial private passenger automobile insurance coverage submitted to the superintendent of financial services shall provide for an appropriate reduction in premium charges for any insured participating in an official police department program or other program designed to prevent or reduce motor vehicle theft.

Requires certain health insurance policies to include coverage for the cost of certain infant and baby formulas.

Repeals provisions relating to the prohibited advertisement of the corporation in sale of insurance.

Provides that an insurer doing business in this state shall be liable to a policy holder for such insurer's refusal to pay or unreasonable delay of payment to the policy holder if such refusal or delay was not substantially justified; enumerates instances whereby an insurer's refusal or delay of payment is not substantially justified including intentional negligence, failure to act in good faith, failure to provide written denial of claim, failure to make final determination of claim within six months, and failure to promptly proceed with the appraisal process.

Requires insurance policies to provide coverage for pre-term labor hospitalizations, home visits to monitor pre-term labor patients and counseling.

Relates to service contracts for accidental damages from handling and power surges.

Reduces the minimum nonforfeiture interest rate for annuities from one percent to one half of one percent for annuities during the surrender charge period, and from one percent to fifteen hundredths of one percent during any contract period with no surrender charge.

Relates to mortgage guaranty insurance; allows for withdrawals from the contingency reserve if the superintendent determines that such withdrawals will not be harmful to policy holders.

Prohibits discrimination in the issuance of certain insurance policies based upon inquiries in which loss or damage is revealed.

Enacts the Health Care Nondiscrimination Act.

Allows for insurance providers and corporations to create and offer reward or incentive programs to eligible members.

Permits insurers to provide certain loss prevention and risk management devices to insureds and prospective insureds.

Increases the minimum insurance coverage required for motor vehicles registered and/or operated within the state of New York; for injury or death to one person in any one accident, increases the limits required from $25,000 to $50,000 for bodily injury and from $50,000 to $100,000 for death, for injury or death to more than one person in any one accident, increases the limits required from $50,000 to $100,000 for bodily injury and from $100,000 to $200,000 for death, and for third party property damage in any one accident, increases the limits required from $10,000 to $25,000.

Provides reimbursement for transportation to and from inpatient and outpatient diagnosis and treatment of substance use disorder.

Ensures that step therapy shall not apply to medically necessary prescription drugs in the dermatologic, hematology, ophthalmologic, rheumatic, gastrointestinal, neurology, and oncology therapeutic classes, including non-formulary drugs.

Relates to requiring business interruption insurance to cover disease outbreaks as denying such coverage based on a disease outbreak is against public policy.

Provides a reduction in insurance premium charges for insured volunteer firefighters and emergency personnel for a 3 year period after successfully completing the emergency vehicle operator's course as part of their training.

Requires insurers to provide coverage for delivery through store and forward technology; requires prescription drug policies to cover the cost of contraceptive care delivered via telemedicine.

Provides that in the repair of a collision damaged motor vehicle, no motor vehicle repair shop or insurer shall deviate from the collision repair guidelines, procedures, recommendations and service bulletins issued by a vehicle or original equipment manufacturer without the written authorization from the vehicle owner or such owner's representative.

Requires insurance policies to provide coverage for services related to the diagnosis and treatment of mental, nervous or emotional disorders or ailments; makes related provisions.

Relates to the distribution of the foreign and alien fire insurance premium tax; provides amount received shall be distributed to the fire companies in proportion to the number of active members within each company.

Provides for patient access to FDA approved abuse-deterrent technology to help combat opioid abuse.

Provides that group health insurance policies offered in the large group market that is issued, amended, or renewed in this state shall provide coverage for corrective lenses used to correct the sight of individuals medically diagnosed with color vision deficiency.

Requires third party verification of driving history when used as a rating or underwriting factor for private passenger motor vehicle insurance.

Authorizes life insurers to establish wellness programs in conjunction with the issuance of life insurance policies; provides for full or partial reimbursement for the cost of a device and associated subscription that can be used to track activity or biometric data; provides for discounts on life insurance and on products or services intended to incent positive behavioral changes.

Requires health insurance policies to cover comprehensive genetic screening and FDA approved biomarker testing for ovarian and prostate cancers.

Authorizes payments to nonparticipating or nonpreferred providers of ambulance services licensed under article 30 of the public health law.

Provides that an automobile insurer may waive the inspection of a private passenger automobile prior to providing physical damage coverage.

Relates to financial guaranty insurance single risk limits for municipal obligation bonds, special revenue bonds and similar obligations of debt issuers in highly rated member countries of the Organisation of Economic Co-operation and Development; makes certain technical corrections.

Provides that certain charitable annuities may be unisex in nature and shall be computed on the basis of currently applicable mortality tables for calculating the reserves for individual annuities; makes related provisions.

Allows for certain notices related to property/casualty insurance contracts under the workers' compensation law and the vehicle and traffic law to be delivered by electronic means.

Extends the effectiveness of certain provisions of law relating to limits on certain supplementary insurance.

Extends certain exemptions from regulatory requirements necessitating prior approval of rates and forms for large, commercial insureds and special risks and to make changes to certain notice requirements.

Requires third party verification of driving history when used as a rating or underwriting factor for private passenger motor vehicle insurance.

Relates to group capital calculations, liquidity stress tests and confidentiality; authorizes the promulgation of regulations and the payment of certain expenses.

Requires the superintendent of financial services to make public any rate filing or application submitted by long term care insurance carriers; requires certain notices be provided to policyholders and certificate holders regarding premium rate increases.

Establishes a captive insurance program for commuter vans that are engaged in the business of carrying or transporting eight to twenty-four passengers for hire; establishes the commuter van trust fund.

Authorizes certain policies issued by a risk retention group not chartered in this state but which is registered with the superintendent of financial services under the federal liability risk retention act of 1986, comprised entirely of organizations to which contributions are eligible for deduction under section 501(c)(3) of the internal revenue code and which qualifies as a charitable risk pool under section 501(n) of the internal revenue code.

Requires health insurance policies and medicaid to cover biomarker testing for diagnosis, treatment, appropriate management, or ongoing monitoring of a covered person's disease or condition when the test is supported by medical and scientific evidence.

Extends the effectiveness of certain provisions of law relating to limits on certain supplementary insurance.

Authorizes life insurers to establish wellness programs in conjunction with the issuance of life insurance policies; provides for full or partial reimbursement for the cost of a device and associated subscription that can be used to track activity or biometric data; provides for discounts on life insurance and on products or services intended to incent positive behavioral changes.

Creates clinical standards and special consideration and processes for utilization review related to care for medically fragile children; makes changes to the effectiveness thereof.

Relates to brand-name drugs with and without an AB generic equivalent; amends the effective date from January to July next succeeding the date on which it shall have become a law.

Relates to brand-name drugs with and without an AB generic equivalent; amends the effective date from January to July next succeeding the date on which it shall have become a law.

Repeals provisions relating to mandatory anti-arson applications for insurance coverage to insure any building against the peril of fire or explosion.

Prohibits an insurer from cancelling, refusing to issue, refusing to renew, or increasing the premium of a policy or to exclude, limit, restrict, or reduce coverage under such policy solely on the basis that one or more claims have been made against any policy during the preceding sixty months for a loss that is the result of a hate crime.

Provides for patient prescription pricing transparency; requires certain insurers or pharmacy benefit managers to furnish required cost, benefit and coverage data upon request of the insured, the insured's health care provider or an authorized third party.

Relates to mental health services required to be covered by certain insurance policies; removes the requirement that services from creative arts therapists be covered by certain policies.

Makes technical amendments to chapter requiring insurance coverage for colorectal cancer screenings.

Provides that no insurance contract or agreement between a health insurance plan and a health care provider, other than a residential health care facility, shall include a provision that: contains a most-favored-nation provision; or restricts the ability of a corporation, an entity that contracts with a corporation for a provider network, or a health care provider to disclose certain costs, prices or information; extends the effective date from January 1, 2023 until July 1, 2023.

Makes technical amendments to chapter requiring insurance coverage for colorectal cancer screenings.

Relates to requiring insurance coverage by every large group policy which provides medical, major medical, or comprehensive-type coverage for pre-exposure prophylaxis and post-exposure prophylaxis to prevent HIV infection.

Provides that purchasers of dividend paying annuities shall be considered a separate class of annuitants from purchasers of annuities that do not pay dividends.

Requires policies and contracts that provide coverage for prescription drugs to include coverage of an immediate additional thirty-day supply of a prescription drug during a state disaster emergency.

Prohibits insurers from excluding, limiting, restricting, or reducing coverage on a homeowners' insurance policy based solely on the insured harboring or owning a specific breed of dog.

Extends certain provisions relating to medical malpractice insurers.

Relates to summaries of readable and understandable insurance policies which shall include the limits of insurance, the term of the policy, the amount of annual premium and the amount of deductibles and a statement.

Modifies certain interest rates for life insurance within the standard nonforfeiture law.

Relates to paintless dent repair rate filing.

Relates to contractual liability insurance policies; requires reimbursement to the provider for all obligations incurred by a provider under the terms of a service contract, or in the event of the provider's nonperformance, provide or pay on behalf of the provider all covered contractual obligations incurred by the provider.

Provides for regulating immigration bail businesses including restrictions on who may operate such a business; provides for who may bring an action against an immigration bail business.

Requires health insurers to provide coverage for procedures relating to the diagnosis and treatment of uterine fibroids and related conditions, including pain, discomfort and infertility resulting therefrom.

Requires certain health and casualty insurers to provide coverage for prenatal vitamins.

Relates to establishing a captive insurance program for commuter vans.

Relates to group capital calculations, liquidity stress tests and confidentiality; authorizes the promulgation of regulations and the payment of certain expenses.

Limits certain regulations or orders promulgated by the superintendent; provides that the department of financial services shall issue a report on the effects that its suitability and best interest in life insurance and annuity transaction regulations have had on the term life insurance market.

Requires coverage for hearing aids for patients who are covered under a policy or contract of insurance if the hearing aids are fitted and dispensed by a licensed audiologist certified by the American Speech-Language-Hearing Association following medical clearance by a physician licensed to practice medicine and an audiological evaluation.

Requires a utilization review agent to follow certain rules when establishing a step therapy protocol; requires that the protocol accepts any attestation submitted by the insured's health care professional stating that a required drug has failed as prima facie evidence that the required drug has failed.

Extends certain provisions relating to medical malpractice insurers.

Prohibits the application of fail-first or step therapy protocols to coverage for the diagnosis and treatment of mental health conditions.

Lowers the cost sharing cap for insulin from one hundred dollars to thirty dollars.

Establishes the position of an insurance liaison on the disaster preparedness commission to be appointed by the governor and serve as a non-voting member.

Provides that certain charitable annuities may be unisex in nature and shall be computed on the basis of currently applicable mortality tables for calculating the reserves for individual annuities; makes related provisions.

Modifies certain interest rates for life insurance within the standard nonforfeiture law.

Increases certain monetary limits under the comprehensive motor vehicle insurance reparations (No-fault) act; includes additional non-medical expenses.

Requires the use of the current edition of American medical association's current procedural terminology (CPT) with respect to claims for evaluation and management codes.

Requires insurers to send a notice of renewal or extension of certain policies to the insured no later than thirty days prior to the expiration of the policy.

Relates to group capital calculations, liquidity stress tests and confidentiality; authorizes the promulgation of regulations and the payment of certain expenses.

Permits insurers to make available multiple rating programs for commercial insurance within the same company.

Permits an insurer to rescind or retroactively cancel a policy in circumstance involving an accident staged to defraud an insurer.

Requires insurance coverage for lactation consultant services by professionally certified counselors who evaluate and manage lactation and infant feeding problems and provide preventative clinical consulting to prevent or minimize the occurrence of potential problems.

Exempts health care professionals from preauthorization requirements where the insurer or health care plan has approved not less than ninety percent of such professional's preauthorization requests in the preceding six-month evaluation period.

Allows for certain notices related to property/casualty insurance contracts under the workers' compensation law and the vehicle and traffic law to be delivered by electronic means.

Permits companies to assess various insurance quotes without having binding agreements with insurance brokers.

Prohibits an individual or entity that performs services, work, or repairs from performing the services, work, or repairs relating to any insurance claim for which a public adjuster represents the insured or has negotiated or effected a settlement where such public adjuster has a financial or ownership interest in such individual or entity that performs the services, work, or repairs; requires public adjusters to make certain disclosures.

Requires the department of financial services to fulfill certain requirements to implement homeowner natural disaster preparedness, home safety and loss prevention courses, by issuing a request for proposal and acting on such requirements of part BB of chapter 54 of the laws of 2016.

Permits a waiver of the diligent effort requirement in limited circumstances for certain insurance coverage to be placed by licensed excess line brokers with unauthorized insurers where a retail producing insurance broker seeks to procure or place commercial lines insurance through an unaffiliated wholesale excess line insurance broker.

Relates to replacement of individual life insurance policies or annuity contracts; amends provisions relating to misrepresentations and misleading statements; requires replacements regulation be consistent with policies of the national association of insurance commissioners.

Relates to mortgage guaranty insurance.

Requires bodily injury be covered under supplementary uninsured/underinsured motorist insurance coverage for police vehicles.

Relates to prohibiting the exclusion of coverage for losses or damages caused by exposure to lead-based paint; provides that no insurer licensed or permitted by the superintendent to provide liability coverage to rental property owners shall exclude coverage for losses or damages caused by exposure to lead-based paint.

Relates to medical malpractice excess line insurance.

Directs the department of financial services and the division of housing and community renewal to conduct a study examining any increasing costs of liability, fire and casualty insurance premiums or any lack of availability of liability, fire and casualty insurance coverage for affordable housing.

Authorizes the return of any operating reserve balances of members of a municipal insurance reciprocal upon the municipal reciprocal insurer's demonstration that it will retain sufficient surplus to support its obligations and writings.

Imposes a tax on out-of-state transfers, dividends, payments, and loans by certain accident and health insurance companies and health maintenance organizations to be deposited in the New York state agency trust fund, distressed provider assistance account.

Prohibits the preferred drug program, managed care programs and insurers from restricting or imposing delays in the distribution of antiretroviral prescription drugs prescribed to a person for the treatment or prevention of the human immunodeficiency virus (HIV) or acquired immunodeficiency syndrome (AIDS).

Relates to the satisfaction of requirements for an explanation of benefits for certain pharmaceutical claims.

Requires health insurers to provide coverage for procedures relating to the diagnosis and treatment of uterine fibroids and related conditions, including pain, discomfort and infertility resulting therefrom.

Prohibits the imposition of different premium rates for disability insurance based on gender.

Authorizes the return of any operating reserve balances of members of a municipal insurance reciprocal upon the municipal reciprocal insurer's demonstration that it will retain sufficient surplus to support its obligations and writings.

Prohibits health care plans that provide essential benefits under the Affordable Care Act from removing a prescription drug from a formulary or adding new or additional formulary restrictions from a formulary during a plan year; requires notice to policy holders of intent to remove a drug from a formulary; relates to the effectiveness of certain provisions of law relating thereto.

Authorizes and empowers the College Retirement Equities Fund (CREF) to merge with the Teachers Insurance and Annuity Association (TIAA) with CREF ceasing to be a corporate entity and TIAA as the surviving entity.

Provides for state assistance to local governments for the enforcement of fire prevention and building codes using monies paid into the code enforcement account.

Relates to the redomestication of insurance companies.

Requires disclosure, in such form as the superintendent shall require, of non-confidential information regarding step therapy override requests and determinations on a website that is readily accessible to the public.

Requires a utilization review agent to follow certain rules when establishing a step therapy protocol; requires that the protocol accepts any attestation submitted by the insured's health care professional stating that a required drug has failed as prima facie evidence that the required drug has failed.

Requires any schedule or rating plan for non-commercial private passenger automobile insurance to provide for an actuarially appropriate reduction in premium charges for bodily injury liability, property damage liability, personal injury protection, medical payments and collision coverage with respect to automobiles equipped with an automotive safety monitoring device for parental monitoring of drivers under the age of 22; establishes qualifications and standards for the approval, utilization and installation of such devices.

Requires written notice of an adverse determination made by a utilization review agent in relation to a step therapy protocol override determination.

Reduces the minimum nonforfeiture interest rate for annuities from one percent to one half of one percent for annuities during the surrender charge period, and from one percent to fifteen hundredths of one percent during any contract period with no surrender charge.

Requires certain insurance policies and Medicaid to allow patients a one hundred twenty-day window for additional screening for breast cancer, which may include an additional mammogram, when the provider deems such screening is necessary.

Permits a waiver of the diligent effort requirement in limited circumstances for certain insurance coverage to be placed by licensed excess line brokers with unauthorized insurers where a retail producing insurance broker seeks to procure or place commercial lines insurance through an unaffiliated wholesale excess line insurance broker.

Requires health insurance policies and medicaid to cover biomarker testing for diagnosis, treatment, appropriate management, or ongoing monitoring of a covered person's disease or condition when the test is supported by medical and scientific evidence.

Prohibits health care plans that provide essential benefits under the Affordable Care Act from removing a prescription drug from a formulary or adding new or additional formulary restrictions from a formulary during a plan year; requires notice to policy holders of intent to remove a drug from a formulary; relates to the effectiveness of certain provisions of law relating thereto.

Relates to the reimbursement of out-of-network providers of clinical laboratory services by organizations providing or offering comprehensive health services plans.

Prevents health plans from engaging in overpayment recovery efforts that include contacting the patient to seek reimbursement for such overpayment of claims.

Requires long-term care policy rate increases shall not exceed 33% in a 3 year period.

Requires health insurance coverage for substance use disorder treatment services.

Provides that certain charitable annuities may be unisex in nature and shall be computed on the basis of currently applicable mortality tables for calculating the reserves for individual annuities; makes related provisions.

Prohibits using a consumer's credit score to determine such consumer's access, price, or premium for any insurance policy or other service such consumer is mandated by the state to purchase.

Requires insurance policies to provide coverage for transvaginal ultrasounds during pregnancy.

Relates to examinations under oath under the comprehensive motor vehicle insurance reparations act; grants claimants the right to counsel in an examination under oath; requires such examination to be transcribed; gives claimants the right to receive the transcript of such examination; prohibits insurance companies from denying first party benefits pursuant to an examination under oath until it is awarded permission to do so in arbitration.

Requires health insurers to provide coverage for long term medical care for Lyme disease and other tick borne related pathogens.

Prohibits automobile insurers from refusing to issue or renew an individual's policy based on such individual's credit history.

Authorizes excess business disability insurance as a non-basic type of insurance.

Directs the the department of financial services, in consultation with the department of health to prepare a report with recommendations on their review of covered benefits related to childbirth offered by all health insurance providers in New York state.