Relating to: insurer claims denial practices and auditing, creating the Office of the Public Intervenor, granting rule-making authority, and making an appropriation. (FE)

This bill creates a new Office of the Public Intervenor within the state insurance commissioner's office to help individuals with insurance claims, policies, and appeals for medical procedures and medications. It establishes rules requiring insurers to process disability insurance claims within reasonable timeframes, provide detailed explanations for claim denials, and disclose when artificial intelligence is used in claim decisions. The office can levy assessments on insurers based on their premium volume to fund its operations and conduct audits of claims denial practices. Additionally, the bill prohibits specific insurer practices such as using vague policy terms, stalling claim reviews, or allowing non-physician personnel to determine medical necessity.