Relating to: limitation on retroactive claim denials under health insurance policies.

This bill would limit when health insurance companies can ask people to pay back money they already received for medical claims. It directly affects individuals with disability insurance policies, health maintenance organizations, and other health coverage plans. Under the new rules, insurers can only request repayment of already paid claims within 12 months of the initial payment, or 18 months if the claim involved coordination with other programs like Medicare or state medical assistance. The only exception allows retroactive denials if the original claim information was found to be fraudulent.