New York State Mandated Health Insurance Coverage

Medical insurance benefits that insurers in New York must provide.

• alcohol/substance abuse
• ambulatory surgery centers
• ambulance transportation and services
• ambulatory cancer treatment
• anti-psychotic drugs
• autism
• birthing center/midwife
• blood products
• bone mass measurement
• breast reconstruction
• cancer pain medication therapies
• cervical cancer/HPV screening
• chemotherapy
• chiropractor
• clinical trial (cancer)
• contraceptives
• dependent coverage (including newborns, adopted children, grandchildren, noncustodial children or stepchildren, dependent students/adults, disabled dependent adults, domestic partner and civil union)
• diabetes (self-management and supplies)
• emergency room service
• home health care
• hospice care
• hormone replacement therapy
• in vitro fertilization
• mammography
• mastectomy (including minimum stay)
• maternity (including minimum stay)
• mental health
• nurse and nurse midwife
• occupational therapist
• off-label drug use
• optometrist
• orthotics
• physical therapist
• prostate cancer screening
• prosthetics
• psychotropic drugs
• second surgical opinion
• traumatic brain injury speech, physical and occupational therapy
• well child care