New York S 2105: Relates to the use of virtual credit cards by insurers and certain health care plans

Bill Text

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S02105 Summary:

BILL NOS02105A

&nbsp

SAME ASSAME AS A03986-A

&nbsp

SPONSORCOONEY

&nbsp

COSPNSRCOMRIE

&nbsp

MLTSPNSR

&nbsp

Amd §§3217-b & 4325, Ins L; amd §4406-c, Pub Health L

&nbsp

Authorizes an insurer to pay a claim for reimbursement made by a provider using a credit card, virtual credit card or electronic funds transfer payment method that imposes on the provider a free or similar charge to process the payment; defines "virtual credit card" as a single-use series of numbers linked to a fixed dollar amount and provided by an insurer to a provider for the purpose of paying a claim for health care services performed by the provider; makes related provisions.

Go to top S02105 Actions:

BILL NOS02105A

&nbsp

01/15/2025REFERRED TO INSURANCE

05/19/2025AMEND AND RECOMMIT TO INSURANCE

05/19/2025PRINT NUMBER 2105A

06/11/2025COMMITTEE DISCHARGED AND COMMITTED TO RULES

06/11/2025ORDERED TO THIRD READING CAL.1801

06/11/2025SUBSTITUTED BY A3986A

&nbspA03986 AMEND=A Bores

&nbsp01/30/2025referred to insurance

&nbsp05/16/2025amend and recommit to insurance

&nbsp05/16/2025print number 3986a

&nbsp05/20/2025reported referred to rules

&nbsp05/27/2025reported 

&nbsp05/27/2025rules report cal.263

&nbsp05/27/2025ordered to third reading rules cal.263

&nbsp05/27/2025passed assembly

&nbsp05/27/2025delivered to senate

&nbsp05/27/2025REFERRED TO INSURANCE

&nbsp06/11/2025SUBSTITUTED FOR S2105A

&nbsp06/11/20253RD READING CAL.1801

&nbsp06/11/2025PASSED SENATE

&nbsp06/11/2025RETURNED TO ASSEMBLY

&nbsp12/08/2025delivered to governor

&nbsp12/19/2025signed chap.647

&nbsp12/19/2025approval memo.31

Go to topS02105 Committee&nbspVotes:

Go to topS02105 Floor&nbspVotes:

There are no Assembly votes for this bill in this legislative session.

Go to topS02105 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 2105--A

 2025-2026 Regular Sessions

 IN SENATE

 January 15, 2025
 ___________

 Introduced by Sen. COONEY -- read twice and ordered printed, and when
 printed to be committed to the Committee on Insurance -- committee
 discharged, bill amended, ordered reprinted as amended and recommitted
 to said committee

 AN ACT to amend the insurance law and the public health law, in relation
 to the use of virtual credit cards by insurers and certain health care
 plans

 The People of the State of New York, represented in Senate and Assem-
 bly, do enact as follows:

 1 Section 1. Section 3217-b of the insurance law is amended by adding a
 2 new subsection (p) to read as follows:
 3 (p)(1) An insurer may pay a claim for reimbursement made by a provider
 4 using a credit card, virtual credit card, or electronic funds transfer
 5 payment method that imposes on the provider a specifically identified
 6 fee or similar dedicated charge to process the payment if in advance of
 7 using such reimbursement method:
 8 (A) The insurer notifies the provider of the potential fees or other
 9 charges associated with the use of the credit card, virtual credit card,
 10 or electronic funds transfer payment;
 11 (B) The insurer offers the provider an alternative payment method that
 12 does not impose fees or similar charges on the provider; and
 13 (C) The provider or a designee of the provider elects to accept
 14 payment of the claim using the credit card, virtual credit card, or
 15 electronic funds transfer payment method.
 16 (2) A decision pursuant to paragraph one of this subsection shall
 17 remain in effect until the provider notifies the insurer, in writing, of
 18 a change in the designated payment type.
 19 (3) If an insurer contracts with a vendor to process payments of
 20 providers' claims, the insurer shall require the vendor to comply with
 21 the provisions of paragraph one of this subsection.

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD03607-05-5

 S. 2105--A 2

 1 (4) No policy or contract issued, renewed, modified, altered or
 2 amended after the effective date of this section shall contain
 3 provisions allowing for waiver of the notice requirements contained in
 4 this subsection.
 5 (5) For any contract that is in effect on or before the effective date
 6 of this subsection or that is enter