2025 New York Medical Debt Law
Medical Debt in New York? No Problem for Your Credit Score!
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If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
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This exceptional group of over 1,000 properties includes many of the world's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember benefits with every stay. Make a reservation through the program using your Chase card to receive the following benefits including daily breakfast for two, a special benefit unique to each property, such as a dining or spa credit, complimentary Wi-Fi, a room upgrade, if available, and early check-in and late checkout, if available. Please visit for more information.
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A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when
you need them. For assistance, call 1-800-847-2869. Refer to your Guide to benefits for more information.
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The primary Cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bags free (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card. For complete details, please visit .
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Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
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Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to a combined maximum of $3,000 for checked and carry-on Baggage, which includes up to $2,000 for checked Baggage and up to $1,000 for any High Risk Items such as jewelry and electronics, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Earned each account anniversary year with a current point redemption cap of 40,000 points. You can also use existing points from your IHG One Rewards account to redeem your Anniversary Night at hotels above the 40,000 point redemption level.
Earned each account anniversary year with a current point redemption cap of 40,000 points. You can also use existing points from your IHG One Rewards account to redeem your Anniversary Night at hotels above the 40,000 point redemption level.
Each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year. That means if you spend $25,000 on purchases, you'll get 2,500 bonus points.
With Preferred Access, you will have access to premium seats for select cultural and sporting events, based on availability.
$500 Fee credit for points transfers when you use your Rapid Rewards Business Credit Card to transfer points to another Rapid Rewards Member, fees associated with the transfer will be reimbursed – up to $500 in statement credits per anniversary year.
When you use your Rapid Rewards Business Credit Card to transfer points to another Rapid Rewards Member, fees associated with the transfer will be reimbursed – up to $500 in statement credits per anniversary year.
Medical Debt in New York? No Problem for Your Credit Score!
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If medical bills have been a weight on your financial shoulders, New York has just delivered a game-changing solution. In a bold move to protect consumers, New York State has implemented a law ensuring that no medical debt—whether old or new—can be reported to credit bureaus. That’s right—your medical bills are officially off the credit score radar!
Here’s what you need to know about this sweeping legislation and why it’s a financial game-changer for New Yorkers.
As of 2023, New York law prohibits medical debt from being reported to credit bureaus. This means:
This law goes beyond what most states offer, including neighboring New Jersey, where only new medical debt (incurred after July 2024) is exempt from credit reporting. New York’s approach covers all medical debt, past and future—a major win for consumer rights.
Medical debt is one of the most unpredictable and challenging forms of debt. It can arise suddenly, leaving individuals with large, unplanned expenses. Before laws like this, unpaid medical bills could:
With this new law, New Yorkers no longer have to fear their credit scores taking a hit due to healthcare costs. It’s a lifeline for individuals already juggling debt and helps pave the way to financial stability.
New York’s law is among the strongest in the nation. Here’s how it stacks up:
New York’s comprehensive approach sets a new benchmark, ensuring medical debt won’t define your financial future.
This law doesn’t erase medical debt—you still owe what you owe. However, the big difference is how it affects your financial opportunities:
While this law is a major step forward, it’s important to stay informed:
New York’s medical debt law is a huge win for consumers, offering protection, peace of mind, and better financial opportunities. It’s a bold move that sets the stage for other states to follow suit. If you’re a New Yorker, now’s the time to review your financial goals, check your credit report for non-medical debt, and take charge of your credit health.
Here at CreditCardGuy.com, we’re all about helping you make the most of financial opportunities. Whether you’re managing medical debt or planning your next big financial move, we’ve got the tips, tools, and insights to guide you.
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