NY Ins L §3221(k)(4)(A)
(4)(A) Every group policy delivered or issued for delivery in this state that provides coverage for inpatient hospital care shall include coverage for services to treat an emergency condition provided in hospital facilities, except that this provision shall not apply to a policy which covers persons employed in more than one state or the benefit structure of which was the subject of collective bargaining affecting persons who are employed in more than one state unless the policy otherwise provides coverage for services to treat an emergency condition provided in hospital facilities:
(i) without the need for any prior authorization determination
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