New York A06314 requires insurance coverage for backup cochlear implant devices during initial implantation and for replacements and upgrades.

New York A06314 amends the insurance law to mandate that large group policies providing medical coverage must include backup cochlear implant devices. These devices, which are additional sets of external components, are necessary in case the primary device fails or requires maintenance. The coverage applies as long as the insured is actively using the cochlear implant and for the duration of their need for the device, including any necessary upgrades. The coverage may be subject to annual deductibles, copayments, and coinsurance, consistent with other similar benefits under the policy.

New York A06314 requires insurance coverage for backup cochlear implant devices during initial implantation and for replacements and upgrades.

New York A06314 amends the insurance law to mandate that large group policies providing medical coverage must include backup cochlear implant devices. These devices, which are additional sets of external components, are necessary in case the primary device fails or requires maintenance. The coverage applies as long as the insured is actively using the cochlear implant and for the duration of their need for the device, including any necessary upgrades. The coverage may be subject to annual deductibles, copayments, and coinsurance, consistent with other similar benefits under the policy.