Bill > A09281

This bill requires medical insurers to allow patients to assign their insurance payments directly to healthcare providers, regardless of whether the provider is in the insurer's network, as long as the services are covered by the policy. The bill amends several sections of the New York insurance law to mandate that all medical, major-medical, and comprehensive health insurance policies must permit payment assignment. Additionally, when an insurer makes a direct payment to a healthcare provider, they must provide a detailed written notification to the policyholder, which includes the amount paid, the percentage of the total claim, the specific services rendered, the healthcare provider, and a breakdown of calculations including co-payments, deductibles, surcharges, and fee schedules. This legislation aims to provide more transparency in medical billing and give patients more flexibility in choosing and paying for healthcare services. The bill will take effect 90 days after becoming law and will apply to policies and contracts issued, renewed, modified, altered, or amended after that date.

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https://www.nysenate.gov/legislation/bills/2025/A9281