N.Y. Financial Services Law § 606

§ 606. Hold harmless and assignment of benefits for insureds. (a) When\nan insured assigns benefits for a surprise bill in writing to a\nnon-participating physician that knows the insured is insured under a\nhealth care plan, the non-participating physician shall not bill the\ninsured except for any applicable copayment, coinsurance or deductible\nthat would be owed if the insured utilized a participating physician.\n (b) When an insured assigns benefits for emergency services, including\ninpatient services which follow an emergency room visit, to a\nnon-participating physician or hospital that knows the insured is\ninsured under a health care plan, the non-participating physician or\nhospital shall not bill the insured except for any applicable copayment,\ncoinsurance or deductible that would be owed if the insured utilized a\nparticipating physician or hospital.\n