Requires insurance companies to issue joint checks for payment to an insured and a health care provider in certain circumstances

This bill requires insurance companies covered under New York's Insurance Law to issue joint checks payable to both the insured patient and their healthcare provider when paying for out-of-network services. The check must clearly list both names (e.g., "John Smith and ABC Medical Group") to ensure direct payment to the provider for services rendered. It directly affects insured patients receiving out-of-network care and healthcare providers who treat them, changing the payment method from issuing checks solely to the insured. The law applies immediately upon enactment and does not alter coverage amounts or eligibility.