Requires health insurers to provide coverage for speech therapy for stuttering

This bill (S 8969) requires all health insurers in New York to cover speech therapy for stuttering under medical, major medical, or similar comprehensive insurance plans. It mandates coverage upon a physician's referral for both habilitative (developing speech skills) and rehabilitative (restoring speech) therapy, provided by licensed professionals. Insurers cannot impose limits on the number of therapy visits or set maximum benefit amounts for this coverage. The bill specifically allows insurers to deny coverage if therapy is already provided through school-based plans (like IEPs or IFSPs), but requires supplemental coverage outside of schools when recommended by a doctor.