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

HB 4329 modifies Oklahoma law to clarify dental insurance claim processes. It defines "covered services" as those reimbursable under a subscriber agreement, regardless of deductibles or waiting periods. The bill requires dental plans to establish appeal procedures for denied claims based on medical necessity and mandates that written denial notices include the reviewing dentist's license details and contact information. This directly affects dentists and dental insurance plans in Oklahoma by standardizing claim denial processes and improving transparency. The law takes effect November 1, 2026.