Health Insurance - Coordination of Benefits - Carrier Responsibilities and Retroactive Denials of Reimbursement

HB 1450 requires health insurance carriers in Maryland to coordinate payments when multiple insurers cover a single claim. Specifically, carriers must identify primary and secondary payors, calculate each payor’s share, and ensure combined payments do not exceed 100% of the claim amount. The bill also limits how long carriers can retroactively deny reimbursement: up to 9 months for other insurers, 18 months for Medicaid or Medicare, and 6 months in other cases, with written explanations required for denials. This directly affects health insurance companies and health care providers who receive payments, aiming to streamline billing and prevent overpayment disputes.