Ally’s Act

S 3400, the Ally’s Act, requires most private health insurance plans and group health plans to cover hearing implants and related services for eligible individuals. It mandates coverage for cochlear implants, bone conduction devices, maintenance, repairs, upgrades every five years, hearing assessments, pre- and post-surgery care, and aural rehabilitation. Insurers cannot impose stricter cost-sharing or treatment limits for these services than for other medical care, and cannot deny coverage based on medical necessity determinations by a physician or audiologist. The law applies to plans covering individuals with hearing loss (including unilateral or bilateral) who meet medical criteria, effective for plan years starting January 1, 2026.