Governor Cuomo announced that health insurers are required under New York Insurance Law to provide medically necessary coverage for 3-D mammograms without co-pays, coinsurance, or deductibles. Albany, NY – February 28, 2017 – Governor Andrew M. Cuomo today announced that health insurers are required under New York Insurance Law to provide medically necessary coverage for 3-D mammograms without co-pays, coinsurance, or deductibles.