Includes ambulance services to the emergency room as part of emergency services for the purposes of surprise bills

This bill amends New York's financial services law to explicitly include ambulance services to an emergency room as part of "emergency services" for surprise billing protections. It requires health insurance plans to cover non-participating ambulance providers' emergency services (including ambulance rides to the ER) without charging patients more out-of-pocket than they would with a participating provider. The law prohibits ambulance providers from billing patients for costs beyond standard copays, coinsurance, or deductibles. It also extends these protections to mobile crisis intervention services provided by licensed mental health or addiction services providers.