State IDR guide
New York Independent Dispute Resolution Guide
- Responsible agency
- New York State Department of Financial Services
- Review date
New York is a bifurcated state. Its IDR process can govern qualifying emergency and surprise bills involving New York-regulated coverage and eligible providers.
Plan and jurisdiction considerations
Confirm DFS jurisdiction, coverage funding, assignment-of-benefits and notice facts, and whether New York law sets the amount. Self-funded ERISA plans generally remain federal.
Federal fallback
Use Federal IDR for eligible disputes outside the New York state process.
Timing and fees
New York has claim-specific IDR submissions, documentation, and deadlines; parties may also face IDRE costs under state rules. Check current DFS and IDRE instructions.
Air ambulance considerations
Air ambulance payment disputes generally use Federal IDR.
Not legal advice. This guide is general information. Consult current agency instructions and qualified counsel for legal interpretation.