State RegulationsNY specificDifficulty 1/5
Under New York law, a medical expense insurance policy that covers physician services must also include coverage for:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under N.Y. Ins. Law §4303(j), New York requires medical expense policies that cover physician services to include coverage for preventive health care services. An insurer therefore cannot sell physician-care coverage that carves out routine prevention; the mandate travels with the physician benefit wherever it is offered in the state.
Why the other options are wrong
- A) Cosmetic surgery is commonly excluded and is not the subject of this mandate.
- B) Around-the-clock private-duty nursing is not the required add-on to physician coverage.
- D) Experimental therapies are typically excluded, not mandated, in New York policies.
Memory hook
Where physician care goes, preventive care must follow.