New York S 5313: Relates to addressing non-covered dental services

Bill Text

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S05313 Summary:

BILL NOS05313A

&nbsp

SAME ASSAME AS A03687-B

&nbsp

SPONSORBAILEY

&nbsp

COSPNSRCOMRIE, GALLIVAN, GOUNARDES, HARCKHAM

&nbsp

MLTSPNSR

&nbsp

Amd §§3216, 3221 & 4303, Ins L

&nbsp

Addresses non-covered dental services by requiring all policies providing coverage of and all contracts for dental services issued to include a disclosure stating that a participating provider may charge their normal fee for services that are not covered; requires a cost estimate to be provided.

Go to top S05313 Actions:

BILL NOS05313A

&nbsp

02/20/2025REFERRED TO INSURANCE

03/03/20251ST REPORT CAL.425

03/04/20252ND REPORT CAL.

03/05/2025ADVANCED TO THIRD READING 

05/19/2025AMENDED ON THIRD READING 5313A

06/13/2025COMMITTED TO RULES

01/07/2026REFERRED TO INSURANCE

05/04/20261ST REPORT CAL.885

05/05/20262ND REPORT CAL.

05/06/2026ADVANCED TO THIRD READING 

06/04/2026SUBSTITUTED BY A3687B

&nbspA03687 AMEND=B Weprin

&nbsp01/30/2025referred to insurance

&nbsp04/28/2025amend and recommit to insurance

&nbsp04/28/2025print number 3687a

&nbsp05/15/2025amend and recommit to insurance

&nbsp05/15/2025print number 3687b

&nbsp05/20/2025reported referred to rules

&nbsp06/09/2025reported 

&nbsp06/09/2025rules report cal.493

&nbsp06/09/2025ordered to third reading rules cal.493

&nbsp06/12/2025passed assembly

&nbsp06/12/2025delivered to senate

&nbsp06/12/2025REFERRED TO RULES

&nbsp01/07/2026DIED IN SENATE

&nbsp01/07/2026RETURNED TO ASSEMBLY

&nbsp01/07/2026ordered to third reading cal.116

&nbsp05/19/2026passed assembly

&nbsp05/19/2026delivered to senate

&nbsp05/19/2026REFERRED TO INSURANCE

&nbsp06/04/2026SUBSTITUTED FOR S5313A

&nbsp06/04/20263RD READING CAL.885

&nbsp06/04/2026PASSED SENATE

&nbsp06/04/2026RETURNED TO ASSEMBLY

Go to topS05313 Committee&nbspVotes:

Go to topS05313 Floor&nbspVotes:

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

Go to topS05313 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 5313--A
 Cal. No. 425

 2025-2026 Regular Sessions

 IN SENATE

 February 20, 2025
 ___________

 Introduced by Sens. BAILEY, GALLIVAN, GOUNARDES, HARCKHAM -- read twice
 and ordered printed, and when printed to be committed to the Committee
 on Insurance -- reported favorably from said committee, ordered to
 first and second report, ordered to a third reading, amended and
 ordered reprinted, retaining its place in the order of third reading

 AN ACT to amend the insurance law, in relation to addressing non-covered
 dental services

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

 1 Section 1. Subsection (c) of section 3216 of the insurance law is
 2 amended by adding a new paragraph 16 to read as follows:
 3 (16) (A) All policies providing coverage of dental services issued
 4 pursuant to this section shall include the following disclosure: "IMPOR-
 5 TANT: If you opt to receive services that are not covered services under
 6 this plan, a participating provider may charge their normal fee for such
 7 services. Prior to providing you with services that are not covered, a
 8 provider will provide an estimated cost for each service."
 9 (B) For purposes of this paragraph, "covered services" shall mean
 10 dental services for which reimbursement is available under an insured's
 11 dental plan or for which a reimbursement would be available but for the
 12 application of contractual limitations such as deductibles, copayments,
 13 coinsurance, waiting periods, annual or lifetime maximums, frequency
 14 limitations, alternative benefit payments, or any other limitation.
 15 § 2. Subsection (a) of section 3221 of the insurance law is amended by
 16 adding a new paragraph 18 to read as follows:
 17 (18) (A) All policies providing coverage of dental services issued
 18 pursuant to this section shall include the following disclosure:
 19 "IMPORTANT: If you opt to receive services that are not covered services
 20 under this plan, a participating provider may charge their normal fee
 21 for such services. Prior to providing you with services that are not
 22 covered, a provider will provide an estimated cost for each service."

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omit