Requires insurers to notify insureds if an out-of-network physician will be used in their procedure, test, or surgery, and mandates coverage if no.

New York A03488 amends the insurance law to require insurers to notify insureds before using an out-of-network physician in their procedure, test, or surgery, and to inform them that such services will not be covered. If the insured does not receive this notification prior to the service, the insurer must cover the out-of-network physician's costs. This applies to accident and health insurance policies delivered or issued in New York.

Requires insurers to notify insureds if an out-of-network physician will be used in their procedure, test, or surgery, and mandates coverage if no.

New York A03488 amends the insurance law to require insurers to notify insureds before using an out-of-network physician in their procedure, test, or surgery, and to inform them that such services will not be covered. If the insured does not receive this notification prior to the service, the insurer must cover the out-of-network physician's costs. This applies to accident and health insurance policies delivered or issued in New York.