What's happening
This bill requires dental insurance policies that cover dental restorations like bridgework to provide equal reimbursement for dental implants.
Why it matters
Expands patient choice by ensuring dental insurance policies cover dental implants at the same reimbursement level as traditional bridgework. , potentially allowing patients to select the most medically appropriate or preferred treatment without increased out-of-pocket costs.
Addresses disparities in dental insurance coverage. , as many policies currently reimburse less (or not at all) for implants compared to bridgework, despite implants often being the standard of care for certain dental conditions.
Limits financial barriers to modern dental care. by mandating equal coverage, but maintains existing copayment and deductible requirements—meaning patients would still pay their share as they do for bridgework, not eliminating cost-sharing altogether.
Applies broadly to individual, group, and health service contracts. in New York, meaning the change would affect a wide range of insurance products and potentially impact both private and employer-sponsored dental insurance plans.
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Who cares
Headline styles
Equal Coverage for Dental Implants
Plain English, a few words. Used as the page title.
Sponsors
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History
- Referred to insurance
- Referred to insurance
Full text
2 pagesUnderlined is new[Struck] is removedOfficial text on nysenate.gov ↗
STATE OF NEW YORK
2926
2019-2020 Regular Sessions
IN ASSEMBLY
January 28, 2019
Introduced by M. of A. PERRY -- read once and referred to the Committee on Insurance
AN ACT to amend the insurance law, in relation to reimbursement for dental restorations
The People of the State of New York, represented in Senate and Assembly, do enact as follows:
Section 1. Subsection (i) of section 3216 of the insurance law is amended by adding a new paragraph 35 to read as follows:
(35) If a policy provides for reimbursement for dental restorations, including but not limited to, reimbursement for dental bridgework, such policy shall also provide no less than the same level of reimbursement towards the payment of a dental implant. Nothing in this paragraph shall be deemed to limit the requirement of the insured to pay a copayment or deductible as would be required for the reimbursement of dental bridgework.
§ 2. Subsection (l) of section 3221 of the insurance law is amended by adding a new paragraph 21 to read as follows:
(21) Every insurer delivering a group policy or issuing a group policy for delivery, in this state, which provides reimbursement for dental restorations, including but not limited to, reimbursement for dental bridgework, shall also provide no less than the same level of reimbursement towards the payment of a dental implant. Nothing in this paragraph shall be deemed to limit the requirement of the insured to pay a copayment or deductible as would be required for the reimbursement of dental bridgework.
§ 3. Section 4303 of the insurance law is amended by adding a new subsection (ss) to read as follows:
(ss) Every contract which provides reimbursement for dental restorations, including but not limited to, reimbursement for dental bridgework, shall also provide no less than the same level of reimbursement towards the payment of a dental implant. Nothing in this subsection
EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[ ] is old law to be omitted.
LBD07201-01-9
A. 2926 2
shall be deemed to limit the requirement of the insured to pay a copayment or deductible as would be required for the reimbursement of dental bridgework.
§ 4. This act shall take effect on the first of January next succeeding the date on which it shall have become a law and shall apply to all policies and contracts of insurance issued, renewed, modified, altered or amended on or after such effective date.
Reflowed for reading: line numbers and page breaks removed. Cite the official text.
Summaries, headlines and scores are AI-generated from the official bill text. How we score bills. Source: NYS Open Legislation.