STATE OF NEW YORK ________________________________________________________________________ 6428 2023-2024 Regular Sessions IN SENATE April 19, 2023 ___________ Introduced by Sens. KENNEDY, MANNION, MAY -- read twice and ordered printed, and when printed to be committed to the Committee on Insur- ance AN ACT to amend the insurance law, in relation to insurance coverage of comprehensive annual medical examinations for firefighters The People of the State of New York, represented in Senate and Assem- bly, do enact as follows: 1 Section 1. Subsection (i) of section 3216 of the insurance law is 2 amended by adding a new paragraph 39 to read as follows: 3 (39)(A) Every policy which provides medical, major medical, or similar 4 comprehensive-type coverage shall provide coverage for comprehensive 5 annual medical exams for insured individuals who are firefighters. Such 6 comprehensive annual medical exam coverage shall include: 7 (i) a detailed symptom health history including headaches, skin rash- 8 es, intestinal or respiratory symptoms, weakness, and cognitive dysfunc- 9 tion; 10 (ii) an in person physical exam including cardiovascular, skin, 11 thyroid, mouth, pulmonary, intestinal, urinary, lymph node, neurologi- 12 cal, musculoskeletal, breast and testes, as applicable, examination; 13 (iii) vital signs and body measures tested and recorded including 14 blood pressure, oxygen saturation, heart and respiratory rate, weight, 15 height and body fat percentage; 16 (iv) laboratory assessments including: 17 a. comprehensive metabolic panel, complete blood count with differen- 18 tial, lipid panel, thyroid stimulating hormone, high-sensitivity c-reac- 19 tive protein, and hemoglobin A1c blood tests; and 20 b. urinalysis for pH, glucose, ketones, protein, blood and bilirubin, 21 and microscopic assessment for white blood cells, red blood cells, white 22 blood cell casts, red blood cell casts, and crystals; 23 (v) spirometry; EXPLANATION--Matter in italics (underscored) is new; matter in brackets [ ] is old law to be omitted. LBD05695-01-3
S. 6428 2 1 (vi) cancer screening, including, digital rectal exam for individuals 2 with prostate-specific antigen, cervical exam with Pap test, breast 3 exam, respirator fit test, colonoscopies beginning at forty-five years 4 of age or earlier depending on family history, mammograms beginning at 5 age forty or earlier depending on family history, and low dose computed 6 tomography depending on age, smoking history, forced expiratory volume 7 (FEV1), family history of lung cancer, obstructive lung disease and 8 history of pneumonia; and 9 (vii) a stress electrocardiogram with maximal oxygen uptake calcu- 10 lated. 11 (B) Notwithstanding the requirements for comprehensive annual medical 12 exam coverage pursuant to subparagraph (A) of this paragraph, such 13 coverage shall additionally include a chest x-ray every five years and 14 any additional testing determined necessary by the commissioner of 15 health. 16 (C) An insured shall identify his or her profession as a firefighter 17 and years of service to his or her primary care provider to receive such 18 comprehensive annual medical examination pursuant to this paragraph. 19 (D) As used in this paragraph the term "firefighter" means any fire- 20 fighter regularly employed by a fire department of any municipality in 21 the state. 22 § 2. Subsection (l) of section 3221 of the insurance law is amended by 23 adding a new paragraph 22 to read as follows: 24 (22)(A) Every policy which provides medical, major medical, or similar 25 comprehensive-type coverage shall provide coverage for comprehensive 26 annual medical exams for insured individuals who are firefighters. Such 27 comprehensive annual medical exam coverage shall include: 28 (i) a detailed symptom health history including headaches, skin rash- 29 es, intestinal or respiratory symptoms, weakness, and cognitive dysfunc- 30 tion; 31 (ii) an in person physical exam including cardiovascular, skin, 32 thyroid, mouth, pulmonary, intestinal, urinary, lymph node, neurologi- 33 cal, musculoskeletal, breast and testes, as applicable, examination; 34 (iii) vital signs and body measures tested and recorded including 35 blood pressure, oxygen saturation, heart and respiratory rate, weight, 36 height and body fat percentage; 37 (iv) laboratory assessments including: 38 a. comprehensive metabolic panel, complete blood count with differen- 39 tial, lipid panel, thyroid stimulating hormone, high-sensitivity c-reac- 40 tive protein, and hemoglobin A1c blood tests; and 41 b. urinalysis for pH, glucose, ketones, protein, blood and bilirubin, 42 and microscopic assessment for white blood cells, red blood cells, white 43 blood cell casts, red blood cell casts, and crystals; 44 (v) spirometry; 45 (vi) cancer screening, including, digital rectal exam for individuals 46 with prostate-specific antigen, cervical exam with Pap test, breast 47 exam, respirator fit test, colonoscopies beginning at forty-five years 48 of age or earlier depending on family history, mammograms beginning at 49 age forty or earlier depending on family history, and low dose computed 50 tomography depending on age, smoking history, forced expiratory volume 51 (FEV1), family history of lung cancer, obstructive lung disease and 52 history of pneumonia; and 53 (vii) a stress electrocardiogram with maximal oxygen uptake calcu- 54 lated. 55 (B) Notwithstanding the requirements for comprehensive annual medical 56 exam coverage pursuant to subparagraph (A) of this paragraph, such
S. 6428 3 1 coverage shall additionally include a chest x-ray every five years and 2 any additional testing determined necessary by the commissioner of 3 health. 4 (C) An insured shall identify his or her profession as a firefighter 5 and years of service to his or her primary care provider to receive such 6 comprehensive annual medical examination pursuant to this paragraph. 7 (D) As used in this paragraph the term "firefighter" means any fire- 8 fighter regularly employed by a fire department of any municipality in 9 the state. 10 § 3. Section 4303 of the insurance law is amended by adding a new 11 subsection (l-3) to read as follows: 12 (l-3)(A) Every contract which provides medical, major medical, or 13 similar comprehensive-type coverage shall provide coverage for compre- 14 hensive annual medical exams for insured individuals who are firefight- 15 ers. Such comprehensive annual medical exam coverage shall include: 16 (i) a detailed symptom health history including headaches, skin rash- 17 es, intestinal or respiratory symptoms, weakness, and cognitive dysfunc- 18 tion; 19 (ii) an in person physical exam including cardiovascular, skin, 20 thyroid, mouth, pulmonary, intestinal, urinary, lymph node, neurologi- 21 cal, musculoskeletal, breast and testes, as applicable, examination; 22 (iii) vital signs and body measures tested and recorded including 23 blood pressure, oxygen saturation, heart and respiratory rate, weight, 24 height and body fat percentage; 25 (iv) laboratory assessments including: 26 a. comprehensive metabolic panel, complete blood count with differen- 27 tial, lipid panel, thyroid stimulating hormone, high-sensitivity c-reac- 28 tive protein, and hemoglobin A1c blood tests; and 29 b. urinalysis for pH, glucose, ketones, protein, blood and bilirubin, 30 and microscopic assessment for white blood cells, red blood cells, white 31 blood cell casts, red blood cell casts, and crystals; 32 (v) spirometry; 33 (vi) cancer screening, including, digital rectal exam for individuals 34 with prostate-specific antigen, cervical exam with Pap test, breast 35 exam, respirator fit test, colonoscopies beginning at forty-five years 36 of age or earlier depending on family history, mammograms beginning at 37 age forty or earlier depending on family history, and low dose computed 38 tomography depending on age, smoking history, forced expiratory volume 39 (FEV1), family history of lung cancer, obstructive lung disease and 40 history of pneumonia; and 41 (vii) a stress electrocardiogram with maximal oxygen uptake calcu- 42 lated. 43 (B) Notwithstanding the requirements for comprehensive annual medical 44 exam coverage pursuant to paragraph (A) of this subsection, such cover- 45 age shall additionally include a chest x-ray every five years and any 46 additional testing determined necessary by the commissioner of health. 47 (C) An insured shall identify his or her profession as a firefighter 48 and years of service to his or her primary care provider to receive such 49 comprehensive annual medical examination pursuant to this subsection. 50 (D) As used in this subsection the term "firefighter" means any fire- 51 fighter regularly employed by a fire department of any municipality in 52 the state. 53 § 4. This act shall take effect immediately and shall apply to poli- 54 cies and contracts issued, renewed, modified, altered or amended on and 55 after such date.