STATE OF NEW YORK ________________________________________________________________________ 9431 IN SENATE May 15, 2024 ___________ Introduced by Sen. WEBB -- read twice and ordered printed, and when printed to be committed to the Committee on Insurance 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; 24 (vi) cancer screening, including, digital rectal exam for individuals 25 with prostate-specific antigen, cervical exam with Pap test, breast 26 exam, respirator fit test, colonoscopies beginning at forty-five years 27 of age or earlier depending on family history, mammograms beginning at 28 age forty or earlier depending on family history, and low dose computed EXPLANATION--Matter in italics (underscored) is new; matter in brackets [ ] is old law to be omitted. LBD05695-01-3
S. 9431 2 1 tomography depending on age, smoking history, forced expiratory volume 2 (FEV1), family history of lung cancer, obstructive lung disease and 3 history of pneumonia; and 4 (vii) a stress electrocardiogram with maximal oxygen uptake calcu- 5 lated. 6 (B) Notwithstanding the requirements for comprehensive annual medical 7 exam coverage pursuant to subparagraph (A) of this paragraph, such 8 coverage shall additionally include a chest x-ray every five years and 9 any additional testing determined necessary by the commissioner of 10 health. 11 (C) An insured shall identify his or her profession as a firefighter 12 and years of service to his or her primary care provider to receive such 13 comprehensive annual medical examination pursuant to this paragraph. 14 (D) As used in this paragraph the term "firefighter" means any fire- 15 fighter regularly employed by a fire department of any municipality in 16 the state. 17 § 2. Subsection (l) of section 3221 of the insurance law is amended by 18 adding a new paragraph 22 to read as follows: 19 (22)(A) Every policy which provides medical, major medical, or similar 20 comprehensive-type coverage shall provide coverage for comprehensive 21 annual medical exams for insured individuals who are firefighters. Such 22 comprehensive annual medical exam coverage shall include: 23 (i) a detailed symptom health history including headaches, skin rash- 24 es, intestinal or respiratory symptoms, weakness, and cognitive dysfunc- 25 tion; 26 (ii) an in person physical exam including cardiovascular, skin, 27 thyroid, mouth, pulmonary, intestinal, urinary, lymph node, neurologi- 28 cal, musculoskeletal, breast and testes, as applicable, examination; 29 (iii) vital signs and body measures tested and recorded including 30 blood pressure, oxygen saturation, heart and respiratory rate, weight, 31 height and body fat percentage; 32 (iv) laboratory assessments including: 33 a. comprehensive metabolic panel, complete blood count with differen- 34 tial, lipid panel, thyroid stimulating hormone, high-sensitivity c-reac- 35 tive protein, and hemoglobin A1c blood tests; and 36 b. urinalysis for pH, glucose, ketones, protein, blood and bilirubin, 37 and microscopic assessment for white blood cells, red blood cells, white 38 blood cell casts, red blood cell casts, and crystals; 39 (v) spirometry; 40 (vi) cancer screening, including, digital rectal exam for individuals 41 with prostate-specific antigen, cervical exam with Pap test, breast 42 exam, respirator fit test, colonoscopies beginning at forty-five years 43 of age or earlier depending on family history, mammograms beginning at 44 age forty or earlier depending on family history, and low dose computed 45 tomography depending on age, smoking history, forced expiratory volume 46 (FEV1), family history of lung cancer, obstructive lung disease and 47 history of pneumonia; and 48 (vii) a stress electrocardiogram with maximal oxygen uptake calcu- 49 lated. 50 (B) Notwithstanding the requirements for comprehensive annual medical 51 exam coverage pursuant to subparagraph (A) of this paragraph, such 52 coverage shall additionally include a chest x-ray every five years and 53 any additional testing determined necessary by the commissioner of 54 health.
S. 9431 3 1 (C) An insured shall identify his or her profession as a firefighter 2 and years of service to his or her primary care provider to receive such 3 comprehensive annual medical examination pursuant to this paragraph. 4 (D) As used in this paragraph the term "firefighter" means any fire- 5 fighter regularly employed by a fire department of any municipality in 6 the state. 7 § 3. Section 4303 of the insurance law is amended by adding a new 8 subsection (l-3) to read as follows: 9 (l-3)(A) Every contract which provides medical, major medical, or 10 similar comprehensive-type coverage shall provide coverage for compre- 11 hensive annual medical exams for insured individuals who are firefight- 12 ers. Such comprehensive annual medical exam coverage shall include: 13 (i) a detailed symptom health history including headaches, skin rash- 14 es, intestinal or respiratory symptoms, weakness, and cognitive dysfunc- 15 tion; 16 (ii) an in person physical exam including cardiovascular, skin, 17 thyroid, mouth, pulmonary, intestinal, urinary, lymph node, neurologi- 18 cal, musculoskeletal, breast and testes, as applicable, examination; 19 (iii) vital signs and body measures tested and recorded including 20 blood pressure, oxygen saturation, heart and respiratory rate, weight, 21 height and body fat percentage; 22 (iv) laboratory assessments including: 23 a. comprehensive metabolic panel, complete blood count with differen- 24 tial, lipid panel, thyroid stimulating hormone, high-sensitivity c-reac- 25 tive protein, and hemoglobin A1c blood tests; and 26 b. urinalysis for pH, glucose, ketones, protein, blood and bilirubin, 27 and microscopic assessment for white blood cells, red blood cells, white 28 blood cell casts, red blood cell casts, and crystals; 29 (v) spirometry; 30 (vi) cancer screening, including, digital rectal exam for individuals 31 with prostate-specific antigen, cervical exam with Pap test, breast 32 exam, respirator fit test, colonoscopies beginning at forty-five years 33 of age or earlier depending on family history, mammograms beginning at 34 age forty or earlier depending on family history, and low dose computed 35 tomography depending on age, smoking history, forced expiratory volume 36 (FEV1), family history of lung cancer, obstructive lung disease and 37 history of pneumonia; and 38 (vii) a stress electrocardiogram with maximal oxygen uptake calcu- 39 lated. 40 (B) Notwithstanding the requirements for comprehensive annual medical 41 exam coverage pursuant to paragraph (A) of this subsection, such cover- 42 age shall additionally include a chest x-ray every five years and any 43 additional testing determined necessary by the commissioner of health. 44 (C) An insured shall identify his or her profession as a firefighter 45 and years of service to his or her primary care provider to receive such 46 comprehensive annual medical examination pursuant to this subsection. 47 (D) As used in this subsection the term "firefighter" means any fire- 48 fighter regularly employed by a fire department of any municipality in 49 the state. 50 § 4. This act shall take effect immediately and shall apply to poli- 51 cies and contracts issued, renewed, modified, altered or amended on and 52 after such date.