MVP Health Care has agreed to pay $535,000 to resolve a New York State inquiry into how it reimburses clients for services from out-of-network physicians. The company, a nonprofit health insurer based in Schenectady, is at least the third insurer to cut a deal with the state over the way it determines charges for reimbursement. The payment will help pay for a nonprofit entity to run an independent database to set reimbursement rates.