Requires health insurers to provide coverage for speech therapy for stuttering

This bill requires health insurers in New York to cover speech therapy for stuttering, directly affecting people with stuttering who need this treatment. Insurers must cover all costs for therapy (including both habilitative and rehabilitative treatment) when recommended by a physician, with no limits on the number of visits or duration. Coverage may be denied only if therapy is already provided through school-based education plans (like IEPs), but insurers must still cover supplemental therapy outside of school settings when a physician refers the patient. The law applies to all individual, group, and health service corporation insurance policies issued or renewed after its effective date.