Health Insurance - Material Changes to Provider Networks - Notification and Special Enrollment Period

SB 521 requires health insurance companies to notify patients in writing when a primary care provider or behavioral health provider is removed from their network, including the reason for termination and the right to continue seeing that provider for up to 90 days if the removal isn't due to fraud or misconduct. It mandates insurers to provide advance notice (60 days) to Maryland's Insurance Commissioner before terminating provider contracts that materially impact patient access, and to update their access plans within 5 business days after termination. This bill directly affects insured patients who rely on specific providers and health insurance carriers operating in Maryland. The key change is creating a standardized 90-day special enrollment period for affected patients to transition care, improving transparency during network changes.