Senate bill · S2644 (2025-26)

Prohibits the retrospective denial of payment for substance use disorder treatment services

New York State Senate

Same as A3767, the matching bill in the Assembly.

Latest action Jun 5, 2026

Sponsor: Joseph P. Addabbo Jr. (State Senator, District 15, Democratic)

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From NY Open Legislation, the NY Senate and Assembly, and official rosters. This record was last updated Oct 18, 2026. About our data

Summary

Prohibits the retrospective denial of payment for substance use disorder treatment services if an insured was covered for such services at the time treatment was initiated; requires insurers to notify a treatment provider when an insured has lost coverage based on termination of the insured's employment.

Summary from NY Open Legislation. How we handle summaries

Amends the Insurance Law.

Purpose, from the sponsor's memo

This bill will prohibit insurers from retrospectively denying payment for substance use disorder treatment services for which the provider verified the insured had coverage at the time such treatment was initi- ated.

Filed with the bill. Read it on nysenate.gov (opens in a new tab)

Where it stands

Passed one of the two chambers; it still needs the other.

Introduced
In committee
Up for a vote
Passed one chamber
Passed
Enacted

Committee

Insurance · New York State Assembly

Also referred to Insurance · New York State Senate.

Your position on this bill

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Cosponsors

Showing the cosponsors who are on Agora, A to Z. The official record may list more.

Read on NY Senate

Democratic13
Republican1

This bill has cosponsors from more than one party.

Shown in neutral colors by design; Agora is non-partisan.

Show the full list (14 names)

The sponsor's argument

Why Joseph P. Addabbo Jr. says this is needed

New York State is in an unprecedented crisis as it relates to addiction. Recent data shows that every day, 19 New Yorkers die from opioid over- dose and 18 additional New Yorkers die from alcohol abuse. This means we are losing 37 individuals every single day to substance use disorder. While substance use disorder treatment providers are working tirelessly to change the trajectory of lives lost, their payments for providing services are unstable. Currently, payments for services provided are being retroactively taken back by insurance companies, threatening the sustainability of the sector. Payments are taken back from providers (retroactively, and sometimes years later) for patients who have already received services that were medically necessary and approved by the insurer. When a provider follows the insurers preauthorization approval process and other contractual requirements for a patient to receive care - the insurer should have no ability to take back such payments absent fraud. New York State must do what it takes to rein in arbitrary, unfair and no-accountability insurance claw backs that are hampering the treat- ment community's ability to provide its patients with life-saving treat- ments. This blatantly unfair practice is co mmonplace and must end. It is putting addiction treatment professionals in the impossible position of having to shutter their programs at a time when overdose deaths and addiction-related health needs have never been greater.

This is the sponsor's own case for the bill, quoted from their memorandum. It is not Agora's description of what the bill does.

Recorded votes

Vote: Committee vote · Insurance
Senate InsuranceFeb 3, 2026Result: passed
(11) (0) (0) (0)
Vote: Floor vote
NY SenateJun 11, 2025Result: passed
(57) (2) (0) (4)
Vote: Committee vote · Alcoholism And Substance Use Disorders
Senate Alcoholism And Substance Use DisordersMay 22, 2025Result: passed
(7) (0) (0) (0)
Vote: Committee vote · Insurance
Senate InsuranceMay 5, 2025Result: passed
(11) (0) (0) (0)

Full history

Jun 5, 2026
In committee
COMMITTED TO RULES
NY Senate
May 20, 2026
Reported out of committee
REPORTED REFERRED TO CODES
NY Assembly
Feb 5, 2026
Advanced to Third Reading
ADVANCED TO THIRD READING
NY Senate
Feb 4, 2026
2ND Report CAL.
2ND REPORT CAL.
NY Senate
Feb 3, 2026
1ST Report CAL.217
1ST REPORT CAL.217
NY Senate

Show full history (12 earlier events)

Jan 7, 2026
Died in Assembly
DIED IN ASSEMBLY
NY Assembly
Jan 7, 2026
Referred to committee
REFERRED TO INSURANCE
NY Senate
Jan 7, 2026
Referred to committee
REFERRED TO INSURANCE
NY Assembly
Jun 11, 2025
Sent to the executive
DELIVERED TO ASSEMBLY
NY Senate
Jun 11, 2025
Passed a chamber
PASSED SENATE
NY Senate
Jun 11, 2025
Referred to committee
REFERRED TO INSURANCE
NY Assembly
May 28, 2025
Advanced to Third Reading
ADVANCED TO THIRD READING
NY Senate
May 27, 2025
2ND Report CAL.
2ND REPORT CAL.
NY Senate
May 22, 2025
1ST Report CAL.1278
1ST REPORT CAL.1278
NY Senate
May 5, 2025
Reported out of committee
REPORTED AND COMMITTED TO ALCOHOLISM AND SUBSTANCE USE DISORDERS
NY Senate
Jan 30, 2025
Referred to committee
REFERRED TO INSURANCE
NY Assembly
Jan 22, 2025
Referred to committee
REFERRED TO INSURANCE
NY Senate

Read the record

Read on NY Senate (opens in a new tab) The official record on nysenate.gov.