New Hampshire 2024 Regular Session

New Hampshire Senate Bill SB95

Introduced
1/18/23  
Refer
1/18/23  
Refer
3/23/23  
Refer
3/30/23  

Caption

Relative to medical loss reporting by dental benefits providers.

Impact

The introduction of SB95 will enhance the regulatory framework governing dental benefits in New Hampshire. By mandating that dental providers submit comprehensive reports on medical loss ratios, this bill is designed to ensure that a higher percentage of premium income is allocated to providing dental care rather than administrative expenses. Proponents argue that this will foster a more competitive landscape in the dental insurance market, ultimately benefiting consumers through potentially lower premiums and improved access to dental services.

Summary

Senate Bill 95 aims to expand the reporting requirements for medical loss ratios specific to dental benefits providers in New Hampshire. This legislation seeks to amend existing laws under RSA 420-G to ensure that dental insurance carriers are held to similar standards as health insurance providers regarding the documentation and transparency of claims, premiums, and other financial reporting measures. By integrating dental benefits into the medical loss reporting framework, the bill intends to promote greater accountability and efficiency in the insurance market.

Contention

While the bill has garnered support from various stakeholders advocating for transparency in health and dental care financing, there are concerns among some members of the dental and insurance communities regarding the regulatory burden it may impose. Critics argue that the additional reporting requirements could translate to higher costs for dental benefit providers, which may inadvertently lead to increased premiums for consumers. Furthermore, there are discussions around whether such regulatory measures are necessary or if the market can self-regulate effectively.

Contention_summary

Overall, SB95 represents a critical step toward reinforcing the regulation of dental benefits in conjunction with health insurance, but it also poses questions about the balance between regulatory oversight and market freedom. As the legislative discussions unfold, stakeholders will need to address these concerns to ensure that the bill meets its intended objectives without imposing undue hardship on dental care providers.

Companion Bills

NH SB95

Carry Over Relative to medical loss reporting by dental benefits providers.

Previously Filed As

NH SB95

Relative to medical loss reporting by dental benefits providers.

NH SB173

Relative to surprise medical bills.

NH HB613

Relative to regulation of the individual health insurance market under RSA 404-G.

NH SB175

Relative to Medicaid coverage for mothers.

NH SB131

Relative to health care provider contract standards.

NH HB373

Relative to billing for ambulance services.

NH SB235

Relative to services provided through a primary care behavioral health model.

NH SB176

Relative to insurance coverage for pelvic floor therapy.

NH HB190

Relative to the duration of unemployment benefits.

NH SB72

Relative to provider credentialing procedures.

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