Provides insurance coverage for cranial prostheses

S 4961 requires most health insurance policies in New York to cover cranial prostheses (wigs or hairpieces) for individuals with medical hair loss due to conditions like alopecia, lupus, or injury. It mandates coverage when a licensed provider prescribes the prosthesis as part of treatment for a diagnosed health condition, chronic illness, or injury. Coverage is limited to one instance per year with a $750 maximum per use, subject to existing cost-sharing requirements. The bill applies to individual, group, and hospital service policies, effective immediately upon enactment.