Bill > S03461

This bill requires health insurers to offer coverage for health care provided by out-of-network providers. Specifically, it amends the Public Health Law and Insurance Law to mandate that health maintenance organizations (HMOs) and health insurance companies offer out-of-network coverage as an optional rider to any contract and provide at least one contract option that includes out-of-network coverage. These options must be made available both within and outside the statewide health benefit exchange. The bill aims to give consumers more choice and flexibility in selecting their health care providers, including the ability to see out-of-network doctors if they choose to pay the additional costs.