Kansas 2023-2024 Regular Session

Kansas House Bill HB2752

Introduced
2/7/24  
Refer
2/7/24  

Caption

Establishing the dental loss ratio act.

Impact

The enactment of HB2752 will require dental benefit plans to file annual reports detailing their loss ratios to the Kansas insurance department. These reports must be organized by market and product type, ensuring transparency and accountability regarding how premium revenues are allocated. If a dental benefit plan fails to meet the required loss ratio percentage, it will be obligated to issue rebates to the insureds or plan administrators, helping to keep costs fair and transparent for consumers.

Summary

House Bill 2752, known as the Dental Loss Ratio Act, seeks to establish regulations surrounding dental benefit plans in the state of Kansas. The primary aim of the bill is to ensure that a specified percentage of premiums collected by dental benefit plans is utilized for actual patient care instead of administrative expenses or profits. Specifically, the bill proposes that the annual dental loss ratio should be maintained at a minimum of 85%. This means that for every dollar collected in premiums, at least 85 cents should be spent on clinical dental services for insureds.

Conclusion

HB2752 is set to take effect on July 1, 2025, which allows time for dental benefit plans to adjust their financial structures to comply with the new regulations. Overall, this legislation aims to promote better transparency and ensure that dental care funding adequately prioritizes patient care, which has been a significant concern among dental associations and advocates in Kansas.

Contention

Although the bill has received broad support from stakeholders in the dental community, some points of contention could arise around its implementation and oversight. Questions may be raised regarding the effectiveness of the Kansas insurance department in monitoring and enforcing compliance among dental benefit plans. Furthermore, concerns may emerge regarding the potential administrative burden placed on these plans when filing the required reports, impacting their operational efficiency.

Companion Bills

No companion bills found.

Previously Filed As

KS SB182

Enacting the Kansas medical loss ratios for dental healthcare services plans act.

KS SB3305

DENTAL LOSS RATIO ACT

KS HB4780

DENTAL LOSS RATIO ACT

KS SB463

Creates the Louisiana Dental Loss Ratios for Dental Healthcare Services Plans Act. (1/1/25) (EN +$38,500 SG EX See Note)

KS SB1832

Dental benefit plans; establishing formula for medical loss ratio; requiring annual reporting; providing for rebate calculation. Effective date.

KS SB179

Dental Plans Medical Loss Ratio

KS SB1060

Dental benefit plans; establishing formula for medical loss ratio; exempting certain dental plans; requiring annual rebate for certain plan years by certain plans. Effective date.

KS HB1325

Providing for dental insurance medical loss ratios; and imposing penalties.

KS S4063

Requires dental insurance carriers to report on medical loss ratio data annually.

KS HB2805

Dental benefit plans; creating the Medical Loss Ratios for Dental (DLR) Health Care Services Plans Act; definitions; formula; reporting to Insurance Department; data verification; rebate calculation; rates; effective date.

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