New York legislation · 2025-2026 General Assembly
New York A3687: Relates to addressing non-covered dental services
Status: Passed both chambers, June 4, 2026
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.
What the bill says
An act to amend the insurance law, in relation to addressing non-covered dental services.
From the amended text, May 15, 2025:
AN ACT to amend the insurance law, in relation to addressing non-covered dental services THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEMBLY, DO ENACT AS FOLLOWS: Section 1. Subsection (c) of section 3216 of the insurance law is amended by adding a new paragraph 16 to read as follows: (16) (A) ALL POLICIES PROVIDING COVERAGE OF DENTAL SERVICES ISSUED PURSUANT TO THIS SECTION SHALL INCLUDE THE FOLLOWING DISCLOSURE: "IMPORTANT: IF YOU OPT TO RECEIVE SERVICES THAT ARE NOT COVERED SERVICES UNDER THIS PLAN, A PARTICIPATING PROVIDER MAY CHARGE THEIR NORMAL FEE FOR SUCH SERVICES. PRIOR TO PROVIDING YOU WITH SERVICES THAT ARE NOT COVERED, A PROVIDER WILL PROVIDE AN ESTIMATED COST FOR EACH SERVICE." (B) FOR PURPOSES OF THIS PARAGRAPH, "COVERED SERVICES" SHALL MEAN DENTAL SERVICES FOR WHICH REIMBURSEMENT IS AVAILABLE UNDER AN INSURED'S DENTAL PLAN OR FOR WHICH A REIMBURSEMENT WOULD BE AVAILABLE BUT FOR THE APPLICATION OF CONTRACTUAL LIMITATIONS SUCH AS DEDUCTIBLES, COPAYMENTS, COINSURANCE, WAITING PERIODS, ANNUAL OR LIFETIME MAXIMUMS, FREQUENCY LIMITATIONS, ALTERNATIVE BENEFIT PAYMENTS, OR ANY OTHER LIMITATION. § 2. Subsection (a) of section 3221 of the insurance law is amended by adding a new paragraph 18 to read as follows: (18) (A) ALL POLICIES PROVIDING COVERAGE OF DENTAL SERVICES ISSUED PURSUANT TO THIS SECTION SHALL INCLUDE THE FOLLOWING DISCLOSURE: "IMPORTANT: IF …
Sponsors
- David Weprin (D, 24) · primary sponsor
- Andrew Hevesi (D, 28)
- Maritza Davila (D, 53)
- Amy Paulin (D, 88)
- Alec Brook-Krasny (D, 46)
- Jonathan Jacobson (D, 104)
- Nader Sayegh (D, 90)
- William Colton (D, 47)
Latest actions
- : RETURNED TO ASSEMBLY
- : PASSED SENATE
- : 3RD READING CAL.885
- : SUBSTITUTED FOR S5313A
- : REFERRED TO INSURANCE
- : DELIVERED TO SENATE
- : PASSED ASSEMBLY
- : ORDERED TO THIRD READING CAL.116
- : RETURNED TO ASSEMBLY
- : DIED IN SENATE
Votes
- Senate Floor Vote (June 4, 2026): 60 yea, 0 nay, passed
- FLOOR Vote (June 4, 2026): 60 yea, 0 nay, passed
- Assembly Floor Vote - Final Passage (May 19, 2026): 141 yea, 0 nay, passed
Subjects: Insurance Law
Common questions
- What is A3687?
- A3687 is a bill in the New York Legislature (2025-2026 General Assembly): Relates to addressing non-covered dental services.
- What does A3687 do?
- In its own words: An act to amend the insurance law, in relation to addressing non-covered dental services.
- What is the status of A3687?
- Passed both chambers as of June 4, 2026. Latest action: RETURNED TO ASSEMBLY (June 4, 2026).
- Who sponsored A3687?
- David Weprin (D, 24), with 7 co-sponsors.
- Where is the official record for A3687?
- On the New York Legislature website: https://www.nysenate.gov/legislation/bills/2025/A3687
Source: official New York record. Tracked by Delilah, AI for legislation across all 50 states and Congress.