N.Y. Insurance Law § 4917: Hold harmless

§ 4917. Hold harmless. A health care provider requesting an external

appeal of a concurrent adverse determination, including when the health

care provider requests an external appeal as the insured's designee,

shall not pursue reimbursement from the insured for services determined

not medically necessary by the external appeal agent, except to collect

a copayment, coinsurance or deductible.