Healthcare (Insurance)

Relating to health insurance benefits coverage provided by the uniform group insurance program; to provide an appropriation; to provide for a statement of legislative intent; and to provide an effective date.

HB 1481 creates new sections within North Dakota's insurance code, establishing specific requirements for dental insurers. The bill focuses on regulating how dental insurance rates are determined and mandates new reporting procedures for these companies. These provisions are designed to introduce new oversight for dental insurers operating in the state, directly affecting their operations and potentially their policyholders.

SB 2375 creates a new section in chapter 43-28 of the North Dakota Century Code. This bill allows dental providers to engage in joint negotiations with dental insurers. Essentially, it permits dentists to collectively negotiate terms and conditions with insurance companies. The bill directly affects dental practices and health insurance providers operating in North Dakota.

Relating to individual and group health insurance coverage of insulin drugs and supplies; and to amend and reenact section 54-52.1-04.18 of the North Dakota Century Code, relating to health insurance benefits coverage of insulin drugs and supplies.

SB 2370 sets a $25 maximum out-of-pocket cost for a 30-day supply of insulin drugs and related medical supplies (like test strips, syringes, and glucose meters) under most North Dakota health insurance plans. It directly affects residents with diabetes who rely on insulin coverage through private insurance, requiring plans to cap costs at $25 for both insulin medications and essential supplies. The bill prohibits insurers from imposing deductibles, copayments, or other cost-sharing that exceeds these limits, while excluding Medicare Part D plans and devices like insulin pumps. It amends existing insurance coverage laws to enforce these caps, with the law set to expire on July 31, 2025.