Fairness in vision care; establish requirements for contracts between insurers and vision benefit providers and eye care providers.

HB 1328 establishes rules for contracts between vision insurers, vision benefit managers, and eye care providers (like optometrists and ophthalmologists) in Mississippi. It prohibits insurers from using unfair tactics such as forcing providers into networks, treating different eye doctors differently, or changing contract terms without clear written notice and provider approval. The bill also bans insurers from using "extrapolation" (guessing audit results for unreviewed claims) and requires them to disclose contract details publicly. These changes aim to create fairer business relationships and give providers clearer rights to challenge disputes.