Commercial Law - Consumer Protections - Health Care Financing

HB 1124 establishes new rules for healthcare financing in Maryland, directly affecting healthcare providers (like clinics and doctors' offices) and patients. It requires providers to give clear written disclosures about payment plans before discussing them and prohibits providers from applying for financing on a patient's behalf or promoting payment options during certain treatments (like under anesthesia). The bill also mandates full refunds within 15 days if services aren't provided and bans billing third-party financiers more than 30 days before a procedure. Providers may only offer payment plans for out-of-pocket costs like copays when insurance covers the main service.