Bill > S05313

This bill requires all dental insurance policies and contracts in New York to include a specific disclosure statement about non-covered dental services. The disclosure must clearly inform patients that if they choose to receive services not covered by their dental plan, a participating provider may charge their normal fee for those services. Additionally, providers must provide an estimated cost for each non-covered service before performing it. The bill defines "covered services" broadly, including dental services for which reimbursement would normally be available, but might be limited by factors such as deductibles, copayments, waiting periods, annual or lifetime maximums, and other contractual restrictions. The legislation applies to various types of dental insurance contracts, including those issued by medical expense indemnity corporations, dental expense indemnity corporations, and health service corporations. The bill will take effect on January 1, 2027, and will apply to all insurance contracts issued or entered into on or after that date, aimed at providing greater transparency for patients about potential out-of-pocket dental expenses.

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https://www.nysenate.gov/legislation/bills/2025/S5313