New York A 9686: Requires insurance and Medicaid coverage for inpatient and outpatient substance abuse treatment for a period of not less than forty-five days

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A09686 Summary:

BILL NOA09686 

&nbsp

SAME ASSAME AS S01430

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SPONSORCashman

&nbsp

COSPNSR

&nbsp

MLTSPNSR

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Amd §§3216, 3221 & 4303, Ins L; amd §365-a, Soc Serv L

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Requires insurance and Medicaid coverage for inpatient and outpatient substance abuse treatment for a period of not less than forty-five days.

Go to top A09686 Actions:

BILL NOA09686 

&nbsp

01/21/2026referred to insurance

Go to topA09686 Committee&nbspVotes:

Go to topA09686 Floor&nbspVotes:

There are no Assembly votes for this bill in this legislative session.

Go to topA09686 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 9686

 IN ASSEMBLY

 January 21, 2026
 ___________

 Introduced by M. of A. CASHMAN -- read once and referred to the Commit-
 tee on Insurance

 AN ACT to amend the insurance law and the social services law, in
 relation to requiring insurance and Medicaid coverage for inpatient
 and outpatient substance abuse treatment for a period of not less than
 forty-five days

 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 30 of subsection (i) of
 2 section 3216 of the insurance law, as amended by section 5 of subpart A
 3 of part BB of chapter 57 of the laws of 2019, is amended to read as
 4 follows:
 5 (A) Every policy that provides hospital, major medical or similar
 6 comprehensive coverage shall provide inpatient coverage for the diagno-
 7 sis and treatment of substance use disorder, including detoxification
 8 and rehabilitation services, for a period of not less than forty-five
 9 days. Such inpatient coverage shall include unlimited medically neces-
 10 sary treatment for substance use disorder treatment services provided in
 11 residential settings. Further, such inpatient coverage shall not apply
 12 financial requirements or treatment limitations, including utilization
 13 review requirements, to inpatient substance use disorder benefits that
 14 are more restrictive than the predominant financial requirements and
 15 treatment limitations applied to substantially all medical and surgical
 16 benefits covered by the policy.
 17 § 2. Subparagraph (A) of paragraph 31 of subsection (i) of section
 18 3216 of the insurance law, as amended by section 6 of subpart A of part
 19 BB of chapter 57 of the laws of 2019, is amended to read as follows:
 20 (A) Every policy that provides medical, major medical or similar
 21 comprehensive-type coverage shall provide outpatient coverage for the
 22 diagnosis and treatment of substance use disorder, including detoxifica-
 23 tion and rehabilitation services, for a period of not less than forty-
 24 five days. Such coverage shall not apply financial requirements or
 25 treatment limitations to outpatient substance use disorder benefits that
 26 are more restrictive than the predominant financial requirements and

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD04493-01-5

 A. 9686 2

 1 treatment limitations applied to substantially all medical and surgical
 2 benefits covered by the policy.
 3 § 3. Subparagraph (A) of paragraph 6 of subsection (l) of section 3221
 4 of the insurance law, as amended by section 15 of subpart A of part BB
 5 of chapter 57 of the laws of 2019, is amended to read as follows:
 6 (A) Every policy that provides hospital, major medical or similar
 7 comprehensive coverage shall provide inpatient coverage for the diagno-
 8 sis and treatment of substance use disorder, including detoxification
 9 and rehabilitation services, for a period of not less than forty-five
 10 days. Such inpatient coverage shall include unlimited medically neces-
 11 sary treatment for substance use disorder treatment services provided in
 12 residential settings. Further, such inpatient coverage shall not apply
 13 financial requirements or treatment limitations, including utilization
 14 review requirements, to inpatient substance use disorder benefits that
 15 are more restrictive than the predominant financial requirements and
 16 treatment limitations applied to substantially all medical and surgical
 17 benefits covered by the policy.
 18 § 4. Subparagraph (A) of paragraph 7 of subsection (l) of s