Revises provisions relating to prior authorization for medical or dental care under health insurance plans. (BDR 57-861)

AB 290 revises prior authorization rules for health and dental insurance coverage, affecting all health insurers (including Medicaid and CHIP plans) and the patients and providers who rely on them. It requires insurers to publicly list covered services needing authorization and their clinical criteria, shorten response times (48 hours for urgent care, 7 days for routine care), and prohibit denying claims if prior authorization wasn't required at the time of service. The bill also mandates disclosure of AI use in processing requests, requires physician review for denials, and bans prior authorization for emergency care. These changes aim to increase transparency, reduce delays, and protect patients from unnecessary coverage denials.