Health Insurance and Dental Plan Organizations - Dentists - Assignment of Benefits and Reimbursement of Nonpreferred Providers

HB 1091 requires health insurers and dental plan organizations to directly reimburse dentists not in their network (nonpreferred dentists) when a patient assigns their insurance benefits to the dentist, and prohibits them from blocking such assignments. It also mandates that nonpreferred dentists inform patients about their non-network status, potential out-of-pocket costs, and payment terms before providing care, and submit a disclosure form to the insurer for the assignment. Insurers may still refuse direct payment only in specific cases, such as if the assignment was received too late, an error occurred, the patient withdrew the assignment, or the patient paid the dentist at the time of service. The bill directly affects non-network dentists, their patients, and insurance companies covering dental services.