To require payment by insurers directly to the out-of-network emergency medical services agency and the prompt payment of clean claims.

HB 5379 requires health insurers in West Virginia to pay out-of-network emergency medical services agencies (like ambulances) directly for covered ground ambulance services, rather than reimbursing patients. Insurers must pay "clean claims" (properly submitted claims without errors) within 30 days of receipt, with exceptions for fraud, coordination with other insurers, or prior payment. The bill also mandates that insurers provide written notice within 30 days if denying a claim, specifying the reason or needed additional information. This directly affects ambulance providers who previously relied on patient reimbursement and insurers who must adjust payment processes. The law aims to streamline payment for emergency services while reducing patient financial burden.