Minnesota Senate Bill SF3297

Minnesota 2025-2026 Regular Session

• Introduced: 4/7/25
• Refer: 4/7/25

Caption

Health insurers to provide explanation of benefits electronically authorization

Impact

The implementation of SF3297 would facilitate the transition of explanations of benefits from paper to electronic formats, thereby potentially increasing efficiency in communication between insurers and patients. Advocates argue that this modernization will simplify the review process for patients, allowing for quicker access to important financial information regarding their healthcare. Moreover, the bill stipulates that patients must be given a choice between receiving their EOBs in paper or electronic formats, ensuring that those who may not be comfortable with digital communication still have access to necessary information.

Summary

SF3297 proposes amendments to existing Minnesota statutes related to health insurance, specifically focusing on the electronic provision of explanations of benefits (EOB) by insurers. The bill aims to standardize the format of these EOBs, which detail the adjudication of claims and services rendered to patients. By allowing health insurers to provide EOBs electronically, the legislation seeks to improve accessibility and clarity for healthcare consumers in understanding their benefits and any applicable costs involved with their healthcare services.

Contention

While supporters of the bill highlight the benefits of electronic communication, concerns have been raised regarding the enforcement of such a policy. Some critics argue that not all patients may be capable of effectively navigating electronic systems, leading to potential disparities in access to critical health information. Moreover, there is apprehension regarding data privacy and security when transmitting health information electronically. As the bill progresses, discussions surrounding these concerns may shape the final version of the legislation.