Provides for a minimum reimbursement rate for ambulatory behavioral health services

This bill (S 5361) requires health insurers in New York to reimburse licensed behavioral health providers (under public health or mental hygiene laws) for ambulatory behavioral health services at a minimum rate equivalent to what the state's Medicaid program (Medical Assistance) pays for similar services. It applies to all health insurance policies covering medical, major medical, or comprehensive coverage, including group plans and health maintenance organizations. Insurers may negotiate higher rates with providers but cannot pay less than the Medicaid-equivalent rate established under the Ambulatory Patient Group (APG) methodology. The law takes effect September 1, 2025, for all new or renewed policies.