New York S 2648: Relates to insurance coverage for dental night guards

Bill Text

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S02648 Summary:

BILL NOS02648 

&nbsp

SAME ASSAME AS A06919

&nbsp

SPONSORADDABBO

&nbsp

COSPNSRCLEARE, FERNANDEZ

&nbsp

MLTSPNSR

&nbsp

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

&nbsp

Provides that dental insurance coverage shall include coverage for night guards; defines dental night guards; provides that dental night guards shall be covered under Medicaid.

Go to top S02648 Actions:

BILL NOS02648 

&nbsp

01/22/2025REFERRED TO INSURANCE

05/05/2025REPORTED AND COMMITTED TO FINANCE

05/29/2025COMMITTEE DISCHARGED AND COMMITTED TO RULES

05/29/2025ORDERED TO THIRD READING CAL.1477

06/06/2025PASSED SENATE

06/06/2025DELIVERED TO ASSEMBLY

06/06/2025referred to insurance

01/07/2026died in assembly

01/07/2026returned to senate

01/07/2026REFERRED TO INSURANCE

03/23/20261ST REPORT CAL.579

03/24/20262ND REPORT CAL.

03/25/2026ADVANCED TO THIRD READING 

04/01/2026PASSED SENATE

04/01/2026DELIVERED TO ASSEMBLY

04/01/2026referred to insurance

Go to topS02648 Committee&nbspVotes:

Go to topS02648 Floor&nbspVotes:

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

Go to topS02648 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 2648

 2025-2026 Regular Sessions

 IN SENATE

 January 22, 2025
 ___________

 Introduced by Sen. ADDABBO -- read twice and ordered printed, and when
 printed to be committed to the Committee on Insurance

 AN ACT to amend the insurance law and the social services law, in
 relation to insurance coverage for dental night guards

 The People of the State of New York, represented in Senate and Assem-
 bly, do enact as follows:

 1 Section 1. Subsection (i) of section 3216 of the insurance law is
 2 amended by adding a new paragraph 40 to read as follows:
 3 (40) (A) Every policy which provides coverage or reimbursement for
 4 dental services shall provide coverage or reimbursement for night guards
 5 when such night guard is prescribed by a licensed dentist.
 6 (B) For purposes of this paragraph, "night guard" means a protective
 7 device for the mouth that covers the teeth and gums to prevent and
 8 reduce injury to the teeth, arches, lips and gums.
 9 § 2. Subsection (l) of section 3221 of the insurance law is amended by
 10 adding a new paragraph 23 to read as follows:
 11 (23) (A) Every policy which provides coverage or reimbursement for
 12 dental services shall provide coverage or reimbursement for night guards
 13 when such night guard is prescribed by a licensed dentist.
 14 (B) For purposes of this paragraph, "night guard" means a protective
 15 device for the mouth that covers the teeth and gums to prevent and
 16 reduce injury to the teeth, arches, lips and gums.
 17 § 3. Section 4303 of the insurance law is amended by adding a new
 18 subsection (ww) to read as follows:
 19 (ww) (1) Every policy which provides coverage or reimbursement for
 20 dental services shall provide coverage or reimbursement for night guards
 21 when such night guard is prescribed by a licensed dentist.
 22 (2) For purposes of this subsection, "night guard" means a protective
 23 device for the mouth that covers the teeth and gums to prevent and
 24 reduce injury to the teeth, arches, lips and gums.

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD07027-01-5

 S. 2648 2

 1 § 4. Subdivision 2 of section 365-a of the social services law is
 2 amended by adding a new paragraph (f-1) to read as follows:
 3 (f-1) dental night guards, as such term is defined in paragraph forty
 4 of section thirty-two hundred sixteen of the insurance law, when such
 5 night guard is prescribed by a licensed dentist;
 6 § 5. This act shall take effect immediately and shall apply to poli-
 7 cies and contracts issued, renewed, modified, altered or amended on or
 8 after such effective date.

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