S 2105 New York Senate · 2025 Regular Session

Relates to the use of virtual credit cards by insurers and certain health care plans

Summary

Authorizes an insurer to pay a claim for reimbursement made by a provider using a credit card, virtual credit card or electronic funds transfer payment method that imposes on the provider a free or similar charge to process the payment; defines "virtual credit card" as a single-use series of numbers linked to a fixed dollar amount and provided by an insurer to a provider for the purpose of paying a claim for health care services performed by the provider; makes related provisions.

Bill status in committee 3 of 5 stages cleared

Introduction

Jan 2025

Committee Review

Jun 2025

Senate Passage

Jun 2025

Assembly Passage

Governor

Introduced Jan 15, 2025 Last action Jun 11, 2025

Maddy AI version diff · 1 comparison

What changed between versions

S2105 → S2105A · 5 edits

MODERATE

This bill was amended to clarify fee restrictions on virtual credit cards and payment methods used by insurers and health care plans. The changes add specific language requiring fees to be 'specifically identified' and 'dedicated' to processing, strengthen notification requirements, and update definitions of who qualifies as a provider. The bill also adds a new section for HMOs and other corporations organized under insurance law, expanding the scope of entities subject to these payment rules.

Scope change

The bill now explicitly applies to corporations organized under insurance law (such as HMOs) in addition to insurers, and clarifies that 'provider' includes health care professionals with participating provider contracts.

REQUIREMENT

Added requirement that fees must be 'specifically identified' and 'dedicated' to processing payments rather than general charges.

Changed notification requirement so providers must notify insurers 'in writing' to change payment methods, rather than just changing the designated type.

Added new subsection (5) requiring corporations to only charge transmission fees if the provider elects to accept payment under subsection (B).

SCOPE

Added new Section 2 applying these payment rules to corporations organized under insurance law (like HMOs), previously only insurers were covered.

DEFINITION

Updated 'provider' definition to include health care professionals with participating provider contracts, not just those licensed under education law.

Floor votes · Senate Jun 11, 2025

How they voted

20–0

Passed · 1 other

Total votes 21

Jun 11, 2025

D Democratic14

13 Yea 1

92% Yea

R Republican7

7 Yea

100% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

Jun 11, 2025

Committee

COMMITTEE DISCHARGED AND COMMITTED TO RULES

upper

Jun 11, 2025

Senate · Passed

Senate Vote: pass (20-0-1)

senate

May 19, 2025

Upper · Passed

PRINT NUMBER 2105A

upper

May 19, 2025

Upper · Passed

AMEND AND RECOMMIT TO INSURANCE

upper

Jan 15, 2025

Committee

REFERRED TO INSURANCE

upper

1 primary · 1 co-sponsor