Definition of covered services changed for dental care.

HF 1474 amends Minnesota law to clarify the definition of "covered services" in dental insurance, affecting dental insurance plans, dentists, and patients. It defines covered services as dental care that would be reimbursed under a plan but for standard limitations like deductibles, co-pays, or annual limits. The bill prohibits dental plans from requiring dentists to accept plan-set fees for non-covered services and mandates that dentists provide patients with cost estimates for non-covered services before treatment. Dentists may not charge more than their usual rate for non-covered care, aiming to improve transparency about out-of-pocket costs.