Generally revise insurance laws related to prior authorization of chronic conditions

This bill updates Montana's insurance laws to improve how health plans handle prior authorization for chronic conditions and ensure fair review processes. It requires health insurance companies to honor prior authorization decisions for at least three months when a patient switches plans, preventing unnecessary delays in care. The legislation also mandates that only physicians with relevant medical expertise can make adverse coverage decisions or review patient grievances, ensuring decisions are made by qualified medical professionals. Additionally, the bill clarifies key definitions used in insurance law, including what constitutes a chronic condition and adverse determination, to provide clearer standards for utilization review organizations.