Updating law regarding prior authorizations

This bill requires health insurers to accept prior authorization requests via fax or electronic portal (not just mail) and mandates clear submission instructions, a 5-business-day response deadline (2 days for urgent care), and quarterly updates to lists of required authorizations. It ensures insurers include step therapy details on forms and carry approved authorizations across insurers for three months within West Virginia. The law directly affects insurers, healthcare providers, and patients by streamlining the approval process and reducing delays. Key provisions include standardized electronic notifications, clear deficiency identification, and expedited appeals within 10 business days.