"This new law will help ensure health plans can no longer deny health care coverage for any medically necessary services or procedures just because they were not pre-authorized by the insurance company, and will help patients in a medically compromised state get the treatments they need quickly."

New York State Senator Neil D. Breslin, chair of the Senate's insurance committee, said, "This important consumer protection legislation puts patients first, particularly those who are in a medically compromised state. This new law ensures that patients receive the medically necessary services their health care provider feels is integral to improving their short and long-term health."

New York State Assembly Member Pamela J. Hunter said, "Pre-authorization should be the last thing a patient has to be concerned about during a procedure. Expanding pre-authorization exceptions for these purposes will allow medical professionals to properly perform their duties and lead to better patient outcomes."

According to the governor, the new law will help ensure that when a provider encounters unexpected complications, such as during a surgical procedure or other treatment such as chemotherapy, and realizes additional treatment is immediately necessary, that the provider does not have to stop and wait for a new pre-authorization, leaving the patient with unmet needs and in a potentially dangerous situation.

The new law takes effect in 90 days.

Read more: 

• What consumers need to know about appealing claim denials
• Aetna under investigation over care denials
• ACA insurers reject 1 in 5 claims–and consumers rarely appeal