New York legislation · 2025-2026 General Assembly
New York S2644: Prohibits the retrospective denial of payment for substance use disorder treatment services
Status: In committee, June 5, 2026
Prohibits the retrospective denial of payment for substance use disorder treatment services if an insured was covered for such services at the time treatment was initiated; requires insurers to notify a treatment provider when an insured has lost coverage based on termination of the insured's employment.
What the bill says
An act to amend the insurance law, in relation to prohibiting the retrospective denial of payment for substance use disorder treatment services.
From the introduced text, January 22, 2025:
AN ACT to amend the insurance law, in relation to prohibiting the retrospective denial of payment for substance use disorder treatment services THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEMBLY, DO ENACT AS FOLLOWS: Section 1. The insurance law is amended by adding a new section 3246 to read as follows: § 3246. RETROSPECTIVE DENIAL OF PAYMENT OF SUBSTANCE USE DISORDER TREATMENT SERVICES. NOTWITHSTANDING ANY OTHER PROVISION OF LAW, ANY RETROSPECTIVE DENIAL OF PAYMENT OF SUBSTANCE USE DISORDER TREATMENT SERVICES PROVIDED THAT ARE BASED ON THE INSURED INDIVIDUAL'S ELIGIBILITY SHALL BE PROHIBITED AFTER THE PROVIDER HAS VERIFIED WITH THE INSURER THAT THE INSURED HAS COVERAGE FOR SUCH TREATMENT AT THE TIME SUCH TREATMENT WAS INITIATED. THE INSURER SHALL IMMEDIATELY NOTIFY THE TREATMENT PROVIDER WHEN AN INSURED HAS LOST COVERAGE BASED ON TERMINATION OF THE INSURED'S EMPLOYMENT AND PROVIDED, FURTHER, THAT DENIAL OF COVERAGE SHALL BE BASED ON TERMINATION OF EMPLOYMENT AND SHALL NOT BE BASED ON SUSPENSION OF EMPLOYMENT. FAILURE OF THE INSURER TO IMMEDIATELY NOTIFY THE TREATMENT PROVIDER OF SUCH TERMINATION OF EMPLOYMENT SHALL PRECLUDE ANY RETROSPECTIVE REVIEW BASED ON THE INSURED'S ELIGIBILITY. THIS SECTION SHALL BE APPLICABLE TO THE NEW YORK STATE HEALTH INSURANCE PROGRAM. § 2. This act shall take effect immediately. EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets [ …
Sponsors
- Joseph Addabbo (D, 15) · primary sponsor
- Cordell Cleare (D, 30)
- Nathalia Fernandez (D, 34)
- Robert Jackson (D, 31)
Latest actions
- : COMMITTED TO RULES
- : ADVANCED TO THIRD READING
- : 2ND REPORT CAL.
- : 1ST REPORT CAL.217
- : REFERRED TO INSURANCE
- : RETURNED TO SENATE
- : DIED IN ASSEMBLY
- : REFERRED TO INSURANCE
- : DELIVERED TO ASSEMBLY
- : PASSED SENATE
Votes
- Senate Insurance Committee: COMMITTEE Vote (February 3, 2026): 11 yea, 0 nay, passed
- Insurance Committee Vote (February 3, 2026): 11 yea, 0 nay, passed
- FLOOR Vote (June 11, 2025): 57 yea, 2 nay, passed
- Senate Alcoholism And Substance Use Disorders Committee: COMMITTEE Vote (May 22, 2025): 7 yea, 0 nay, passed
- Alcoholism And Substance Use Disorders Committee Vote (May 22, 2025): 7 yea, 0 nay, passed
- Senate Insurance Committee: COMMITTEE Vote (May 5, 2025): 11 yea, 0 nay, passed
Subjects: Insurance Law
Common questions
- What is S2644?
- S2644 is a bill in the New York Legislature (2025-2026 General Assembly): Prohibits the retrospective denial of payment for substance use disorder treatment services.
- What does S2644 do?
- In its own words: An act to amend the insurance law, in relation to prohibiting the retrospective denial of payment for substance use disorder treatment services.
- What is the status of S2644?
- In committee as of June 5, 2026. Latest action: COMMITTED TO RULES (June 5, 2026).
- Who sponsored S2644?
- Joseph Addabbo (D, 15), with 3 co-sponsors.
- Where is the official record for S2644?
- On the New York Legislature website: https://www.nysenate.gov/legislation/bills/2025/S2644
Source: official New York record. Tracked by Delilah, AI for legislation across all 50 states and Congress.