I live and work in NY, does my policy follow NY state law or the state my employer is HQ in?

So i live and work in NY. I noticed on the back of a denied claim, I can appeal to the FL dept of financial services. Does this mean that I’m not protected under NY suprise billing law? Does my policy follow FL law?

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So i live and work in NY. I noticed on the back of a denied claim, I can appeal to the FL dept of financial services. Does this mean that I’m not protected under NY suprise billing law? Does my policy follow FL law?
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