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

SB 813 prohibits dental insurers and plan organizations from blocking direct payments to dentists (nonpreferred providers) when patients assign benefits to them, instead of paying patients who then pay dentists. It requires dentists to provide patients with clear cost disclosures - including potential balance billing - before services and submit a disclosure form to insurers. The bill applies specifically to dental care under Maryland law, amending sections 14-205.3 and adding 14-410.1 to the Insurance Article. Insurers may refuse direct payment only in limited cases, such as if a patient paid the dentist upfront or withdrew assignment after payment. This aims to simplify reimbursement for dental patients and dentists outside insurance networks.