NY S05313

Requires all dental insurance policies and contracts to include a mandatory disclosure informing consumers that participating providers may charge their normal (non-discounted) fees for services not covered by the plan

Mandates that dental providers give patients an estimated cost for each non-covered service before performing the work

Defines "covered services" as dental services eligible for reimbursement, including those that would be reimbursable but for contractual limitations like deductibles, copayments, waiting periods, annual maximums, or frequency limitations

Amends three sections of the insurance law (sections 3216, 3221, and 4303) to apply the disclosure requirement across individual policies, group policies, and contracts issued by dental expense indemnity and health service corporations

Takes effect January 1, 2027 and applies to all insurance contracts issued or entered into on or after that date