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 navigate insurance claim denials for medical procedures, medications, and other health services. The office would be funded through assessments on insurance companies based on their disability insurance premium volumes and has authority to conduct audits of insurer claims processing practices. The legislation establishes specific requirements for how insurers must handle claim denials, including providing detailed explanations with policy citations, setting time limits for processing claims, and requiring transparency when using artificial intelligence in decision-making. Additionally, the bill prohibits several unfair practices such as using vague policy terms, stalling reviews, or denying claims without reviewing all relevant medical records.