Last year, a new law went into effect that protects consumers from surprise bills when services are performed by a non-participating (out-of-network) doctor at a participating hospital or ambulatory surgical center in your HMO or insurer's network or when a participating doctor refers an insured to a non-participating provider. The new law also protects all consumers from bills for emergency services.
For more information, see http://www.dfs.ny.gov/consumer/hprotection.htm
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