Requires insurance coverage for medical genetic testing for adoptees and persons placed in foster care

This bill (S 4076) requires most health insurance plans in New York to cover comprehensive medical genetic testing for two specific groups: adoptees (as defined by New York law) and individuals who were placed in foster care. It mandates coverage for tests analyzing DNA, RNA, chromosomes, or proteins to identify inherited genetic conditions, including predispositions to diseases. Insurers may limit coverage to New York residents and apply standard deductibles or co-insurance, but must provide this testing coverage as part of hospital, surgical, or medical care plans. The law applies to individual, group, and health service corporation insurance policies issued or renewed after its effective date.