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

This bill limits when health insurance companies can demand repayment for claims they have already paid. It applies to disability insurance policies and various health care plans, including those offered by the state, counties, and other organizations. Under the bill, insurers can only request repayment within 12 months of making the initial payment, or 18 months if the claim involved coordination with other programs like Medicare or state medical assistance. The only exception is when the original claim was based on fraudulent information. The bill would take effect for policy years beginning on the date it is enacted, with special rules for plans covered by collective bargaining agreements.