Dental insurance claims; dental plans; definition; effective date.

HB 2056 clarifies rules for dental insurance claims in Oklahoma, directly affecting dentists, dental plans, and patients. It requires dental plans to pay for "covered services" as defined in subscriber agreements (including services like cleanings or fillings), and mandates that denials based on "lack of medical necessity" must include the reviewing dentist’s license details and contact information. The bill also establishes standardized appeal procedures for denied claims, requiring denials to be reviewed by a licensed dentist and communicated with specific transparency. The law takes effect November 1, 2025.