New York Assembly Bill A03687

New York 2025-2026 Regular Session

• Introduced: 1/30/25
• Refer: 1/30/25
• Report Pass: 5/20/25
• Refer: 5/20/25
• Report Pass: 6/9/25
• Engrossed: 6/12/25
• Refer: 6/12/25

Caption

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.

Impact

If enacted, this bill would significantly alter how dental insurance companies present and manage their service offerings. By ensuring clear communication about fees associated with non-covered services, the bill addresses a key concern regarding patient understanding of their benefits. It aims to minimize unexpected costs that patients might incur and could potentially foster better decision-making about dental care options. Consistent enforcement of this requirement across all dental service contracts would help unify standards within the industry and enhance patient trust in their providers.

Summary

Bill A03687 proposes amendments to the insurance law concerning dental service coverage. The bill mandates that all contracts for dental services include a specific disclosure regarding non-covered services. This requirement aims to enhance transparency for patients, ensuring they are informed that participating providers may charge their standard fees for services that are not covered under their dental plans. Furthermore, it stipulates that these providers must furnish an estimated cost for such non-covered services before treatment is administered. This measure is intended to empower consumers with knowledge about potential out-of-pocket expenses.

Contention

Despite its intentions to improve consumer protection, there may be differing opinions on the implications of this bill. Supporters argue that such disclosures will lead to more informed consumers who can make better choices regarding their dental care. However, opponents could contend that the requirement may increase administrative burdens on dental providers, as they would have to ensure compliance with the new regulations. The dialogue surrounding this bill is likely to reflect broader discussions about healthcare accessibility and the responsibilities of insurance providers in clearly communicating with consumers.