New York Consolidated Laws, Financial Services Law - FIS § 606. Hold harmless for insureds from bills for emergency services and surprise bills

(a) A non-participating provider shall not bill an insured for a surprise bill except for any applicable co-payment, coinsurance or deductible that would be owed if the insured utilized a participating provider.

(b) A non-participating provider shall not bill an insured for emergency services, including inpatient services which follow an emergency room visit, or for services rendered by a mobile crisis intervention services provider licensed, certified, or designated by the office of mental health or the office of addiction services and supports, except for any applicable copayment, coinsurance or deductible that would be owed if the insured utilized a participating provider.