N.Y. Ins. Law § 4917

§ 4917. Hold harmless. A health care provider requesting an external\nappeal of a concurrent adverse determination, including when the health\ncare provider requests an external appeal as the insured's designee,\nshall not pursue reimbursement from the insured for services determined\nnot medically necessary by the external appeal agent, except to collect\na copayment, coinsurance or deductible.\n