NY · last verified 2026-05-12
New York — NSA dispute pathway
Ground-ambulance balance-billing law
STATE LAW APPLIES
N.Y. Fin. Servs. Law §606; N.Y. Pub. Health Law §2399-a
State IDR pathway
STATE IDR AVAILABLE
N.Y. Fin. Servs. Law §603
ERISA self-funded plans
STATE DOI HAS NO JURISDICTION
Self-funded plans always route to Federal IDR + DOL/EBSA enforcement, regardless of state.
How New York fits the NSA picture
New York has long-standing surprise-billing protections (Surprise Bill Law, 2015) covering OON emergency, OON physician at INN facility, AND ground-ambulance. State IDR pathway applies for state-regulated plans; ERISA self-funded plans go through Federal IDR.
State DOI consumer-protection entry ↗Statute: N.Y. Fin. Servs. Law §606; N.Y. Pub. Health Law §2399-a
Free first step — CMS No Surprises Help Desk
The CMS-administered consumer complaint pathway. Free, federal, and the recommended first action for any balance-billed insured patient. You have 90 calendar days from when you knew or should have known of the NSA violation to file.