Senate bill · S5313 (2025-26)

Relates to addressing non-covered dental services

New York State Senate

Same as A3687, the matching bill in the Assembly.

PassedLatest action Jun 4, 2026

Passed as A3687, the matching Assembly bill.

Sponsor: Jamaal Bailey (State Senator, District 36, Democratic/Working Families)

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From NY Open Legislation, the NY Senate and Assembly, and official rosters. This record was last updated Oct 22, 2026. About our data

Summary

Addresses non-covered dental services by requiring all policies providing coverage of and all contracts for dental services issued to include a disclosure stating that a participating provider may charge their normal fee for services that are not covered; requires a cost estimate to be provided.

Summary from NY Open Legislation. How we handle summaries

Amends the Insurance Law.

Purpose, from the sponsor's memo

To prevent insurance companies from including in their contracts any provisions that relate to or affect dental services that they do not insure.

Filed with the bill. Read it on nysenate.gov (opens in a new tab)

Where it stands

Passed the legislature and is awaiting a signature.

Introduced
In committee
Up for a vote
Passed one chamber
Passed
Enacted

Committee

Insurance · New York State Assembly

Also referred to Insurance · New York State Senate, Rules · New York State Assembly, Rules · New York State Senate.

Your position on this bill

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Cosponsors

Showing the cosponsors who are on Agora, A to Z. The official record may list more.

Read on NY Senate

Democratic9
Republican2

This bill has cosponsors from more than one party.

Shown in neutral colors by design; Agora is non-partisan.

The sponsor's argument

Why Jamaal Bailey says this is needed

Section 4224(d) (1) of the New York State Insurance Law prohibits inter- dependent sales whereby an insurer puts into its insurance policies products or services that are not insured as a means of interdependently selling that policy and the uninsured items to its insureds. Some insur- ers, however, routinely include in their dental plans discounts on dental services they do not insure and then require dentists to provide such discounts in order to be a participating provider in the dental insurance plan. In effect, the insurer is selling a discounted product to patients as part of the insurance policy as an inducement to buy the insurance policy. The bill makes clear that no insurer can place into their contracts any provisions relating to dental services that they do not insure. This bill is necessary to restore sensible enforcement of the law against interdependent sales with respect to dental insurance plans. Many other states have outlawed this practice directly in a similar way, using the logic that dental insurers should not be influ- encing the prices or other aspects of dental services that they do not insure at all and never pay for. New York long ago prevented interde- pendent, sales schemes in insurance plans and this law merely clarifies that it applies to uninsured dental services as it would to any other improper interdependent sales scheme. The law is timed to take effect on January 1,2024, and only to apply to insurance or managed care contracts issued or entered into on or after that date.

This is the sponsor's own case for the bill, quoted from their memorandum. It is not Agora's description of what the bill does.

Recorded votes

Vote: Floor vote
NY SenateJun 4, 2026Result: passedSenate vote on A3687, the matching Assembly bill.
(60) (0) (0) (3)
Vote: Committee vote · Insurance
Senate InsuranceMay 4, 2026Result: passed
(11) (0) (0) (0)
Vote: Committee vote · Insurance
Senate InsuranceMar 3, 2025Result: passed
(11) (0) (0) (0)

Full history

Jun 4, 2026
3RD Reading CAL.885
3RD READING CAL.885
NY Senate
Jun 4, 2026
Passed a chamber
PASSED SENATE
NY Senate
Jun 4, 2026
Substituted
SUBSTITUTED FOR S5313A
NY Senate
May 19, 2026
Sent to the executive
DELIVERED TO SENATE
NY Assembly
May 19, 2026
Passed a chamber
PASSED ASSEMBLY
NY Assembly

Show full history (22 earlier events)

May 19, 2026
Referred to committee
REFERRED TO INSURANCE
NY Senate
May 6, 2026
Advanced to Third Reading
ADVANCED TO THIRD READING
NY Senate
May 5, 2026
2ND Report CAL.
2ND REPORT CAL.
NY Senate
May 4, 2026
1ST Report CAL.885
1ST REPORT CAL.885
NY Senate
Jan 7, 2026
Died in Senate
DIED IN SENATE
NY Senate
Jan 7, 2026
Ordered to Third Reading CAL.116
ORDERED TO THIRD READING CAL.116
NY Assembly
Jan 7, 2026
Referred to committee
REFERRED TO INSURANCE
NY Senate
Jun 13, 2025
In committee
COMMITTED TO RULES
NY Senate
Jun 12, 2025
Sent to the executive
DELIVERED TO SENATE
NY Assembly
Jun 12, 2025
Passed a chamber
PASSED ASSEMBLY
NY Assembly
Jun 12, 2025
Referred to committee
REFERRED TO RULES
NY Senate
Jun 9, 2025
Reported out of committee
REPORTED
NY Assembly
Jun 9, 2025
Rules Report CAL.493
RULES REPORT CAL.493
NY Assembly
May 20, 2025
Reported out of committee
REPORTED REFERRED TO RULES
NY Assembly
May 19, 2025
Amended
AMENDED ON THIRD READING 5313A
NY Senate
May 15, 2025
Amend and Recommit to Insurance
AMEND AND RECOMMIT TO INSURANCE
NY Assembly
Apr 28, 2025
Amend and Recommit to Insurance
AMEND AND RECOMMIT TO INSURANCE
NY Assembly
Mar 5, 2025
Advanced to Third Reading
ADVANCED TO THIRD READING
NY Senate
Mar 4, 2025
2ND Report CAL.
2ND REPORT CAL.
NY Senate
Mar 3, 2025
1ST Report CAL.425
1ST REPORT CAL.425
NY Senate
Feb 20, 2025
Referred to committee
REFERRED TO INSURANCE
NY Senate
Jan 30, 2025
Referred to committee
REFERRED TO INSURANCE
NY Assembly

Read the record

Read on NY Senate (opens in a new tab) The official record on nysenate.gov.