New Yorkers may be covered by one of the nation's most comprehensive health consumer protection laws--but insurers routinely flout it, according to a report released yesterday by New York City Public Advocate Mark Green.Posing as prospective clients, Green's investigators called 12 of the region's health maintenance organizations, including some of the largest on Long Island and in Queens, to get information about their complaint records, lists of covered prescription drugs and medical procedures, and policies on confidentiality and experimental treatments. Although New York's new managed care bill of rights requires health plans to provide the information to both members and potential members, all of the HMOs flunked the test most of the time, with representatives either unwilling or unable to answer the questions. "Five out of six times the HMOs refused to tell one of our callers whether a drug was covered by the HMO," Green said. "Not to know whether the HMO you might join will cover a drug you use monthly is like a computer store refusing to tell you the memory of the computer......

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