N.Y. Financial Services Law § 606

§ 606. Hold harmless for insureds from bills for emergency services\nand surprise bills. (a) A non-participating provider shall not bill an\ninsured for a surprise bill except for any applicable copayment,\ncoinsurance or deductible that would be owed if the insured utilized a\nparticipating provider.\n * (b) A non-participating provider shall not bill an insured for\nemergency services, including inpatient services which follow an\nemergency room visit, except for any applicable copayment, coinsurance\nor deductible that would be owed if the insured utilized a participating\nprovider.\n * NB Effective until after the superintendent of financial services\nand the commissioner of health have promulgated regulations\n * (b) A non-participating provider shall not bill an insured for\nemergency services, including inpatient services which follow an\nemergency room visit, or for services rendered by a mobile crisis\nintervention services provider licensed, certified, or designated by the\noffice of mental health or the office of addiction services and\nsupports, except for any applicable copayment, coinsurance or deductible\nthat would be owed if the insured utilized a participating provider.\n * NB Effective after the superintendent of financial services and the\ncommissioner of health have promulgated regulations\n