Revise laws related to healthcare utilization review

This bill updates Montana laws governing healthcare utilization review to ensure decisions about medical services are made by qualified physicians. It requires that only licensed Montana physicians with relevant specialties can approve or deny healthcare services, and those reviewing patient grievances must have specific experience and cannot have conflicts of interest. The legislation also establishes an automatic approval process where healthcare services are deemed authorized if insurance companies or review organizations fail to follow legal requirements. These changes directly affect healthcare providers, insurance companies, and patients seeking coverage decisions in Montana.