New York 2025-2026 Regular Session

New York Assembly Bill A03919

Introduced
1/30/25  
Refer
1/30/25  
Report Pass
5/28/25  
Refer
5/28/25  
Report Pass
6/4/25  
Refer
6/4/25  
Report Pass
6/6/25  
Engrossed
6/6/25  
Refer
6/6/25  
Engrossed
1/28/26  

Caption

Requires insurers and corporations that issue, sell, renew or offer a specialized dental benefits plan policy or contract to report annually on data related to such dental benefits plan policies.

Impact

If enacted, the bill would significantly impact existing state laws pertaining to insurance and dental coverage by imposing a mandate on insurers to compile and submit annual reports to the state superintendent. This data will not only allow for improved regulatory oversight but may also serve to inform future policy decisions regarding dental benefits. Additionally, it would make the dental loss ratio information accessible to the public in a searchable format, potentially empowering consumers to make more informed choices regarding their dental care plans.

Summary

Bill A03919 proposes amendments to the New York Insurance Law that would establish a requirement for insurers and corporations offering specialized dental benefit plans to annually report detailed information about these plans. This includes the number of covered individuals, cost-sharing amounts, deductibles, and annual maximum coverage limits. The intent of the bill is to enhance transparency and provide valuable data to regulators for oversight purposes, thereby allowing for better-informed decisions regarding dental coverage in the state.

Contention

Amid support for the increased transparency the bill aims to foster, there are concerns regarding the administrative burden it may place on smaller insurers and corporations. Detractors argue that the requirements could be disproportionately cumbersome for smaller entities compared to larger corporations, leading to a competitive imbalance in the market. Furthermore, there exists apprehension over how the data will be utilized and whether it will lead to unnecessary regulatory scrutiny that could hinder the provision of dental benefits.

Notable_points

Proponents advocate the necessity of this bill to ensure that consumers receive adequate information about their dental benefits, emphasizing that such transparency is crucial in making informed healthcare decisions. On the other hand, opponents highlight the potential for unintended consequences, such as increased costs for consumers if smaller insurers exit the market due to compliance challenges. The dialogue around the bill reflects broader concerns about healthcare accessibility and the sustainability of insurance practices.

Companion Bills

NY S06254

Same As Requires insurers and corporations that issue, sell, renew or offer a specialized dental benefits plan policy or contract to report annually on data related to such dental benefits plan policies.

Previously Filed As

NY S06254

Requires insurers and corporations that issue, sell, renew or offer a specialized dental benefits plan policy or contract to report annually on data related to such dental benefits plan policies.

NY S05313

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.

NY A03687

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.

NY H5044

Relative to financial services contracts for dental benefits corporations

NY H1292

Relative to financial services contracts for dental benefits corporations

NY S05048

Relates to contractual liability insurance policies; provides that each provider may maintain a maximum of five service contract reimbursement insurance policies insuring its service contracts actively offered.

NY A00979

Relates to contractual liability insurance policies; provides that each provider may maintain a maximum of five service contract reimbursement insurance policies insuring its service contracts actively offered.

NY S09366

Establishes a uniform effective date for health insurance benefit mandates by requiring that every law that adds provisions to or amends provisions of sections 3216, 3221, and 4303 of the insurance law requiring a policy of health insurance to provide coverage for a new health care service, treatment, or benefit, or that otherwise mandates coverage under such policy shall take effect no earlier than the first of January next succeeding the date on which it shall have become a law and shall apply to policies and contracts issued, renewed, modified, altered or amended on or after such effective date.

NY A10244

Establishes a uniform effective date for health insurance benefit mandates by requiring that every law that adds provisions to or amends provisions of sections 3216, 3221, and 4303 of the insurance law requiring a policy of health insurance to provide coverage for a new health care service, treatment, or benefit, or that otherwise mandates coverage under such policy shall take effect no earlier than the first of January next succeeding the date on which it shall have become a law and shall apply to policies and contracts issued, renewed, modified, altered or amended on or after such effective date.

NY S0479

Requires health insurance plans to cover services provided by licensed certified professional midwives. Insurers must report utilization and cost data annually. Certain limited benefit policies are exempt.

Similar Bills

No similar bills found.