Requires insurance coverage to backup devices for patients with cochlear implants during the initial implantation and for replacements and upgrades.
Impact
The ramifications of this bill extend into state laws regarding insurance coverage. By mandating that large group policies provide insurance coverage for backup cochlear devices, this bill not only enhances patients' rights but also places a new obligation on insurers. It emphasizes the need for insurers to accommodate the medical needs of individuals with cochlear implants, thus potentially leading to changes in how insurance policies are structured and enforced.
Summary
Bill S08265 aims to amend the insurance law in New York to ensure patients with cochlear implants have continued access to backup devices. Currently, backup devices are provided only upon initial implantation, which poses a significant risk to patients as these devices may require upgrades or replacements during their lifetime. This bill seeks to fill that coverage gap, ensuring that all patients have a backup device available when needed to maintain their hearing capabilities without interruption.
Contention
While proponents argue the bill is essential for patient health and quality of life, there may be opposition regarding the financial implications for insurance companies. The requirement for backup device coverage could lead to increased premiums or other adjustments to policy offerings. Some stakeholders may contend that these changes could unfairly burden insurers and lead to broader questions about the sustainability of coverage mandates in the healthcare system.
Same As
Requires insurance coverage to backup devices for patients with cochlear implants during the initial implantation and for replacements and upgrades.
Requires mandatory health insurance coverage for prosthetic devices; requires coverage where the model is determined to be medically necessary for rehabilitative and habilitative purposes.
Requires mandatory health insurance coverage for prosthetic devices; requires coverage where the model is determined to adequately meet the medical needs of the policy holder.