--- title: "Telehealth Insurance in New York" description: "New York allows hospitals to rely on distant-site credentialing only when the remote practitioners hold New York licenses." canonical: "https://spot.insure/coverage/virtual-care-telehealth/new-york" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/virtual-care-telehealth/new-york) # Telehealth Insurance in New York New York hospital telemedicine agreements may rely on a distant-site hospital’s credentialing decisions, but every remote practitioner must be licensed in New York and the hospitals must conduct periodic reviews. Medicaid telehealth receives same-rate reimbursement for equivalent services, while private coverage and clinical rules depend on the applicable plan and profession.[^1][^2] **Coverage:** [Virtual care and telehealth](/coverage/virtual-care-telehealth) · [New York](/coverage/states/new-york) ## What Is Virtual Care And Telehealth? Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review. [Read the national Virtual care and telehealth guide](/coverage/virtual-care-telehealth). ## What to Watch for in New York ### Remote Practitioners Still Need New York Licenses Under Public Health Law § 2805-u, an originating hospital may rely on a qualifying distant-site hospital’s credentialing process, but each telemedicine practitioner must be licensed in New York. The distant hospital must review credentials at least every two years and report outcomes and complaints. Ask the broker to schedule the hospital entities, remote clinicians, and credentialing arrangement.[^1] ### Medicaid Requires Same-Rate Payment for Equivalent Care New York requires telehealth services to receive Medicaid reimbursement on the same basis and at the same rate as equivalent in-person services, subject to the statute and regulations. Do not assume this rule guarantees reimbursement by commercial plans; compare each payer contract and coverage terms.[^2] ### Telehealth Does Not Authorize Unlicensed Services New York’s telehealth law does not authorize anyone to provide a service requiring an Education Law credential that the person does not hold. Confirm each profession’s credential and tell the broker which services and specialties are delivered across the state.[^3][^2] ## Who Regulates Insurance in New York **New York State Department of Financial Services.** New York DFS supervises insurance companies and producers, administers insurance law and accepts consumer complaints about property and casualty policies, including commercial insurance.[^4][^5][^6][^7] - [Regulator website](https://www.dfs.ny.gov/) - [License lookup](https://myportal.dfs.ny.gov/nylinxext/elprsmain.alice) - [File a complaint](https://myportal.dfs.ny.gov/web/guest-applications/consumer-complaint) - Phone: 800-342-3736 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3.6% of gross premium, less returned premium; ELANY stamping fee is 0.15% through 2026 and 0.17% for policies incepting on/after Jan. 1, 2027 When New York is the insured’s home state, excess-line tax is 3.6% of gross premium less returned premium. ELANY’s September 20, 2026 bulletin sets a 0.15% stamping fee through December 31, 2026 and 0.17% for policies incepting on or after January 1, 2027; statutory search requirements and guaranty-fund protection depend on the applicable New York excess-line rules.[^8][^9][^10][^11] [Excess Line Association of New York](https://www.elany.org/) ## Providers With Documented State Licenses No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://myportal.dfs.ny.gov/nylinxext/elprsmain.alice) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in New York 1. Are remote clinicians serving New York hospital patients licensed in New York and included in the written hospital agreement? 2. Who performs the required two-year credentialing and performance reviews, and how are complaints shared? 3. Which payer contracts provide same-rate Medicaid reimbursement or other telehealth payment terms? ## Virtual Care And Telehealth in New York: FAQ ### Do remote practitioners need a New York license for hospital telemedicine? Yes. A distant-site practitioner relied on under the hospital credentialing pathway in Public Health Law § 2805-u must be licensed in New York.[^1] ### Does New York require Medicaid to reimburse telehealth at the in-person rate? Yes. Equivalent telehealth services receive Medicaid reimbursement on the same basis and at the same rate as in-person care under § 2999-dd.[^2] ## Virtual Care And Telehealth in Other States - [Alabama](/coverage/virtual-care-telehealth/alabama) - [Alaska](/coverage/virtual-care-telehealth/alaska) - [Arizona](/coverage/virtual-care-telehealth/arizona) - [Arkansas](/coverage/virtual-care-telehealth/arkansas) - [California](/coverage/virtual-care-telehealth/california) - [Colorado](/coverage/virtual-care-telehealth/colorado) - [Connecticut](/coverage/virtual-care-telehealth/connecticut) - [Delaware](/coverage/virtual-care-telehealth/delaware) - [District of Columbia](/coverage/virtual-care-telehealth/district-of-columbia) - [Florida](/coverage/virtual-care-telehealth/florida) - [Georgia](/coverage/virtual-care-telehealth/georgia) - [Hawaii](/coverage/virtual-care-telehealth/hawaii) - [Idaho](/coverage/virtual-care-telehealth/idaho) - [Illinois](/coverage/virtual-care-telehealth/illinois) - [Indiana](/coverage/virtual-care-telehealth/indiana) - [Iowa](/coverage/virtual-care-telehealth/iowa) - [Kansas](/coverage/virtual-care-telehealth/kansas) - [Kentucky](/coverage/virtual-care-telehealth/kentucky) - [Louisiana](/coverage/virtual-care-telehealth/louisiana) - [Maine](/coverage/virtual-care-telehealth/maine) - [Maryland](/coverage/virtual-care-telehealth/maryland) - [Massachusetts](/coverage/virtual-care-telehealth/massachusetts) - [Michigan](/coverage/virtual-care-telehealth/michigan) - [Minnesota](/coverage/virtual-care-telehealth/minnesota) - [Mississippi](/coverage/virtual-care-telehealth/mississippi) - [Missouri](/coverage/virtual-care-telehealth/missouri) - [Montana](/coverage/virtual-care-telehealth/montana) - [Nebraska](/coverage/virtual-care-telehealth/nebraska) - [Nevada](/coverage/virtual-care-telehealth/nevada) - [New Hampshire](/coverage/virtual-care-telehealth/new-hampshire) - [New Jersey](/coverage/virtual-care-telehealth/new-jersey) - [New Mexico](/coverage/virtual-care-telehealth/new-mexico) - [North Carolina](/coverage/virtual-care-telehealth/north-carolina) - [North Dakota](/coverage/virtual-care-telehealth/north-dakota) - [Ohio](/coverage/virtual-care-telehealth/ohio) - [Oklahoma](/coverage/virtual-care-telehealth/oklahoma) - [Oregon](/coverage/virtual-care-telehealth/oregon) - [Pennsylvania](/coverage/virtual-care-telehealth/pennsylvania) - [Rhode Island](/coverage/virtual-care-telehealth/rhode-island) - [South Carolina](/coverage/virtual-care-telehealth/south-carolina) - [South Dakota](/coverage/virtual-care-telehealth/south-dakota) - [Tennessee](/coverage/virtual-care-telehealth/tennessee) - [Texas](/coverage/virtual-care-telehealth/texas) - [Utah](/coverage/virtual-care-telehealth/utah) - [Vermont](/coverage/virtual-care-telehealth/vermont) - [Virginia](/coverage/virtual-care-telehealth/virginia) - [Washington](/coverage/virtual-care-telehealth/washington) - [West Virginia](/coverage/virtual-care-telehealth/west-virginia) - [Wisconsin](/coverage/virtual-care-telehealth/wisconsin) - [Wyoming](/coverage/virtual-care-telehealth/wyoming) [Other Coverage in New York](/coverage/states/new-york) ## Sources [^1]: [New York Public Health Law § 2805-u](https://www.nysenate.gov/legislation/laws/PBH/2805-U) — New York State Senate; Subdivisions 2(b)-(f): New York license, credential review, outcomes and complaint reporting. Accessed 2026-09-29. [^2]: [New York Public Health Law § 2999-dd](https://www.nysenate.gov/legislation/laws/PBH/2999-DD) — New York State Senate; Subdivisions 1 and 3-4: Medicaid reimbursement and service standards. Accessed 2026-09-29. [^3]: [New York Public Health Law § 2999-cc](https://www.nysenate.gov/legislation/laws/PBH/2999-CC) — New York State Senate; Definitions of telehealth provider, originating site, and telehealth. Accessed 2026-09-29. [^4]: [New York State Department of Financial Services](https://www.dfs.ny.gov/) — New York State Department of Financial Services; Official regulator homepage.. Accessed 2026-09-28. [^5]: [Who We Supervise](https://www.dfs.ny.gov/who_we_supervise) — New York State Department of Financial Services; DFS describes insurance oversight and provides links to company and producer searches.. Accessed 2026-09-28. [^6]: [Insurance License Search](https://myportal.dfs.ny.gov/nylinxext/elprsmain.alice) — New York State Department of Financial Services; DFS portal performs public insurance producer license searches; it displays a CAPTCHA to limit automated access.. Accessed 2026-09-28. [^7]: [Consumer Complaints](https://myportal.dfs.ny.gov/web/guest-applications/consumer-complaint) — New York State Department of Financial Services; Official portal files insurance complaints for health, life and property/casualty insurance.. Accessed 2026-09-28. [^8]: [New York Insurance Law §2118(d)(1)](https://www.nysenate.gov/legislation/laws/ISC/2118) — New York State Senate; Current statutory text: 3.6% of gross premiums less returned premium when New York is the insured’s home state.. Accessed 2026-09-28. [^9]: [ELANY Bulletin 2026-20: Notice of Change in Stamping Fee](https://www.elany.org/docs/default-source/bulletins/stamping-fee-change-09222026.pdf?sfvrsn=169bd4c3_3) — Excess Line Association of New York; September 20, 2026 bulletin: 0.17% applies to policies incepting from Jan. 1, 2027; endorsements on policies incepting Jan. 1, 2023–Dec. 31, 2026 retain 0.15%; excess-line tax remains 3.6%.. Accessed 2026-09-28. [^10]: [New York Insurance Law §2118](https://www.nysenate.gov/legislation/laws/ISC/2118) — New York State Senate; Excess-line broker duties and filing requirements; §2118(a) due care; exceptions should be applied only where statutory conditions are met.. Accessed 2026-09-28. [^11]: [New York Insurance Law §2118](https://www.nysenate.gov/legislation/laws/ISC/2118) — New York State Senate; Excess-line statutory duties and policies; source is used for placement context. No state-specific guaranty cap/note included.. Accessed 2026-09-28. [^12]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^13]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^14]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^15]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^16]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^17]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/virtual-care-telehealth/new-york.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)