New Things NY Health Insurance Companies Have To Cover

A new year brings new laws that go into effect. We have recently seen people criticize the healthcare system in America, especially health insurance companies. Many Americans have rallied around Luigi Mangione, who allegedly killed the CEO of UnitedHealthcare. People have expressed how tired they are of health insurance companies taking huge monthly premiums, only to turn around and deny coverage of the insured. New York State is making sure insurance companies cannot deny certain coverages starting in 2025.

President Trump and Republicans have signaled a desire to get rid of ObamaCare, also known as the Affordable Care Act. They have also mentioned cutting funding for Medicaid and Medicare, so some New Yorkers may lose their coverage.

In New York, the uninsured population dropped to 5.2 percent in 2021, which is less than the national average of 8.6 percent. Things could shift next year, due to Republican policies, which may cause more New Yorkers to become uninsured. However, New Yorkers with coverage can expect a few new things to be covered by their health insurance companies.

New York State Now Requires Health Insurance Companies To Cover These Things

S6146A/A5729A - Health insurance companies will have to cover nipple-area tattoos as a part of breast reconstruction surgery.

S6674A/A7790A - Health insurance companies must cover pasteurized donor human milk. "Expands insurance coverage requirements for human donor milk; removes the requirement for inpatient use."

S1965A/A3865A - Health insurance companies must cover prenatal vitamins when they are prescribed by authorized healthcare providers.

S201/A2656 - Health insurance companies must allow pregnant people to enroll, without penalty, during a special enrollment period. Their coverage must date back to the month the pregnancy was certified.

Health insurance companies in New York must cover prescription insulin. Policy holders will not have to pay any out-of-pocket costs like deductibles, copays, coinsurance, or other cost-sharing.

S7114A/A6425 Health insurance companies must cap the cost of EpiPens at $100 per year.

While not covered by health insurance, a new law takes effect that is health-related.

"Starting on January 1, 2025, workers in New York who are pregnant may also have additional paid time off available to them for doctors’ appointments, procedures, or other types of prenatal care. This paid prenatal personal leave is part of New York’s paid sick leave program, which is separate from New York State Paid Family Leave."

Get our free mobile app