S 6151: Relates to coverage for the detection of breast cancer; lowers the age of eligibility for an annual mammogram from 40 to 30 years old; requires coverage for follow-up treatment including biopsies.

  
  STATE OF NEW YORK ________________________________________________________________________ 6151 2025-2026 Regular Sessions  IN SENATE March 5, 2025 ___________ Introduced by Sens. PARKER, ADDABBO, PALUMBO -- 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 coverage for the detection of breast cancer The People of the State of New York, represented in Senate and Assem- bly, do enact as follows: 1 Section 1. Subparagraph (A) of paragraph 11 of subsection (i) of 2 section 3216 of the insurance law, as amended by chapter 424 of the laws 3 of 2024, is amended and a new subparagraph (G) is added to read as 4 follows: 5 (A) Every policy that provides coverage for hospital, surgical or 6 medical care shall provide the following coverage for mammography 7 screening for occult breast cancer: 8 (i) upon the recommendation of a physician, a mammogram, which may be 9 provided by breast tomosynthesis, at any age for covered persons having 10 a prior history of breast cancer or who have a first degree relative 11 with a prior history of breast cancer; 12 (ii) a single baseline mammogram, which may be provided by breast 13 tomosynthesis, for covered persons aged [thirty-five] twenty-five 14 through [thirty-nine] twenty-nine, inclusive; 15 (iii) an annual mammogram, which may be provided by breast tomosynthe- 16 sis, for covered persons aged [forty] thirty and older; and 17 (iv) upon the recommendation of a physician, screening and diagnostic 18 imaging, including diagnostic mammograms, breast ultrasounds, or magnet- 19 ic resonance imaging, recommended by nationally recognized clinical 20 practice guidelines for the detection of breast cancer. For the purposes 21 of this item, "nationally recognized clinical practice guidelines" means 22 evidence-based clinical practice guidelines informed by a systematic 23 review of evidence and an assessment of the benefits, and risks of 24 alternative care options intended to optimize patient care developed by EXPLANATION--Matter in italics (underscored) is new; matter in brackets [ ] is old law to be omitted. LBD10609-01-5 
 S. 6151 2 1 independent organizations or medical professional societies utilizing a 2 transparent methodology and reporting structure and with a conflict of 3 interest policy. 4 (G) Coverage shall also be provided, upon the recommendation of a 5 physician, for follow-up diagnostic testing for the detection of breast 6 cancer, including breast biopsies, in the event that a physician deter- 7 mines that a covered person has had an abnormal mammogram. Such follow- 8 up diagnostic testing shall not be subject to annual deductibles or 9 coinsurance. 10 § 2. Subparagraph (A) of paragraph 11 of subsection (l) of section 11 3221 of the insurance law, as amended by chapter 424 of the laws of 12 2024, is amended and a new subparagraph (G) is added to read as follows: 13 (A) Every insurer delivering a group or blanket policy or issuing a 14 group or blanket policy for delivery in this state that provides cover- 15 age for hospital, surgical or medical care shall provide the following 16 coverage for mammography screening for occult breast cancer: 17 (i) upon the recommendation of a physician, a mammogram, which may be 18 provided by breast tomosynthesis, at any age for covered persons having 19 a prior history of breast cancer or who have a first degree relative 20 with a prior history of breast cancer; 21 (ii) a single baseline mammogram, which may be provided by breast 22 tomosynthesis, for covered persons aged [thirty-five] twenty-five 23 through [thirty-nine] twenty-nine, inclusive; 24 (iii) an annual mammogram, which may be provided by breast tomosynthe- 25 sis, for covered persons aged [forty] thirty and older; 26 (iv) for large group policies that provide coverage for hospital, 27 surgical or medical care, an annual mammogram for covered persons aged 28 [thirty-five] twenty-five through [thirty-nine] twenty-nine, inclusive, 29 upon the recommendation of a physician, subject to the insurer's deter- 30 mination that the mammogram is medically necessary; and 31 (v) upon the recommendation of a physician, screening and diagnostic 32 imaging, including diagnostic mammograms, breast ultrasounds, or magnet- 33 ic resonance imaging, recommended by nationally recognized clinical 34 practice guidelines for the detection of breast cancer. For the purposes 35 of this item, "nationally recognized clinical practice guidelines" means 36 evidence-based clinical practice guidelines informed by a systematic 37 review of evidence and an assessment of the benefits, and risks of 38 alternative care options intended to optimize patient care developed by 39 independent organizations or medical professional societies utilizing a 40 transparent methodology and reporting structure and with a conflict of 41 interest policy. 42 (G) Coverage shall also be provided, upon the recommendation of a 43 physician, for follow-up diagnostic testing for the detection of breast 44 cancer, including breast biopsies, in the event that a physician deter- 45 mines that a covered person has had an abnormal mammogram. Such follow- 46 up diagnostic testing shall not be subject to annual deductibles or 47 coinsurance. 48 § 3. Subparagraphs (B), (C) and (D) of paragraph 1 of subsection (p) 49 of section 4303 of the insurance law, as amended by chapter 424 of the 50 laws of 2024, are amended and a new paragraph 6 is added to read as 51 follows: 52 (B) a single baseline mammogram, which may be provided by breast tomo- 53 synthesis, for covered persons aged [thirty-five] twenty-five through 54 [thirty-nine] twenty-nine, inclusive; 55 (C) an annual mammogram, which may be provided by breast tomosythesis, 56 for covered persons aged [forty] thirty and older; 
 S. 6151 3 1 (D) for large group contracts offered by a medical expense indemnity 2 corporation, a hospital service corporation or a health service corpo- 3 ration that provide coverage for hospital, surgical or medical care, an 4 annual mammogram for covered persons aged [thirty-five] twenty-five 5 through [thirty-nine] twenty-nine, inclusive, upon the recommendation of 6 a physician, subject to the corporation's determination that the mammo- 7 gram is medically necessary; 8 (6) Coverage shall also be provided, upon the recommendation of a 9 physician, for follow-up diagnostic testing for the detection of breast 10 cancer, including breast biopsies, in the event that a physician deter- 11 mines that a covered person has had an abnormal mammogram. Such follow- 12 up diagnostic testing shall not be subject to annual deductibles or 13 coinsurance. 14 § 4. This act shall take effect on the ninetieth day after it shall 15 have become a law and shall apply to all policies and contracts issued, 16 renewed, modified, altered or amended on or after such date; provided, 17 however, that if chapter 424 of the laws of 2024 shall not have taken 18 effect on or before such date then sections one, two and three of this 19 act shall take effect on the same date and in the same manner as such 20 chapter of the laws of 2024, takes effect.