Creates provisions relating to dental insurance

SB 1596 requires private dental insurance plans (excluding state programs like MO HealthNet) to spend at least 85% of premiums on actual dental care, not administrative costs. If a plan fails to meet this 85% "dental loss ratio," it must issue rebates to enrollees by August 1st of the following year, calculated as the difference between premiums and care spending. Plans must submit annual reports to the Department of Commerce and Insurance by March 1st, detailing their ratio, with public access to this data. The bill mandates these reporting and rebate requirements to ensure premiums are primarily used for patient care rather than overhead.