Maryland 2023 Regular Session

Maryland Senate Bill SB724

Introduced
2/6/23  
Refer
2/6/23  
Report Pass
3/8/23  
Engrossed
3/13/23  
Refer
3/14/23  
Report Pass
4/5/23  
Enrolled
4/6/23  
Chaptered
4/11/23  

Caption

Health Insurance Carriers - Requirements for Internal Grievance Process - Modification

Impact

The bill's enactment is expected to significantly improve consumer protections in the state's health insurance landscape. By requiring greater transparency from insurers regarding their decision-making processes, the legislation seeks to empower consumers with the knowledge needed to challenge adverse decisions. Moreover, it stipulates that carriers provide clear reasons, not just generic dismissal of claims as ‘not medically necessary,’ which could help members better understand their entitlements and the rationale behind denials.

Summary

Senate Bill 724 modifies the internal grievance process requirements for health insurance carriers in the state of Maryland. The primary aim of the bill is to enhance the clarity and accountability of the grievance process when members are informed of adverse decisions in nonemergency situations. It mandates that insurance carriers notify affected members directly, employing expedited communication methods such as telephone, text, email, or online portals, and outlines strict timelines for written notifications that clarify the specific grounds for any adverse decisions.

Sentiment

Overall, the sentiment surrounding SB724 is positive, with strong backing from consumer advocacy groups who view it as a critical step towards holding insurance companies accountable. The bill reflects a growing concern for consumer rights in healthcare, aligning with national trends aimed at improving healthcare access and fairness. Supporters applaud the bill for its emphasis on transparency and clear communication, viewing these changes as beneficial for patient advocacy.

Contention

While the bill has garnered support, there are potential points of contention regarding the implementation logistics and how effectively the changes can be integrated into existing insurance frameworks. Skeptics may raise concerns about the additional administrative burden on carriers and whether they will adapt adequately to these requirements. This could lead to debates around resource allocation within insurance companies, especially smaller carriers that may struggle with compliance. Nevertheless, the overarching goal remains to improve the patient experience throughout the grievance process.

Companion Bills

No companion bills found.

Similar Bills

WV SB230

Relating generally to public employees grievance procedure

CA SB716

Excluded employees: binding arbitration.

CA SB1406

Excluded employees: binding arbitration.

CA SB179

Excluded employees: arbitration.

CA AB1714

Excluded employees: binding arbitration.

CA SB76

Vehicles: driver’s licenses and foreign vehicle registrations.

WV HB4829

Modifying definitions of certain school cafeteria personnel

WV SB461

Relating to WV public employees grievance procedure