Prohibits a health insurer from denying a claim for any medical bill based on sole reasoning that the bill may arise from a motor vehicle accident or other third-party claim and prohibits a medical provider from refusing to submit medical for same reason.
Impact
The enactment of S2613 would rewrite various existing regulations concerning health care entities and medical providers. By clarifying that insurers cannot deny claims under the aforementioned circumstances, the bill aims to simplify the claims process, thereby making it easier for patients to receive timely treatment. This change is seen as a way to promote a more patient-centered approach in health care where patients do not have to worry about insurance companies refusing to cover legitimate medical expenses due to the circumstances surrounding their injuries.
Summary
Bill S2613 aims to enhance the rights of health care providers and patients regarding the processing of medical insurance claims. Specifically, it prohibits health insurers from denying claims solely because they may arise from motor vehicle accidents or other third-party claims. Additionally, it prohibits medical providers from refusing to submit such claims based on the same reasoning. This legislative change is designed to ensure that patients receive the medical attention they need without the added stress of insurance complications related to the nature of their claims.
Contention
While there are certainly advocates for this legislation who argue that it is a necessary step to improve patient access to care, there are also concerns raised by opponents regarding the potential for abuse of the system. Some critics worry that eliminating insurers’ ability to deny claims in specific situations may lead to increased costs for insurance companies, which could ultimately be passed down to consumers in the form of higher premiums. As such, there may be ongoing debates surrounding the balance between protecting patient rights and ensuring the sustainability of the insurance model.
Prohibits certain claim practices of health insurers and medical providers. The act would further require fulfillment of medical record requests within fourteen (14) days.
Prohibits certain claim practices of health insurers and medical providers. The act would further require fulfillment of medical record requests within fourteen (14) days.
Prohibits a health insurer from denying a claim for any medical bill based on sole reasoning that the bill may arise from a motor vehicle accident or other third-party claim and prohibits a medical provider from refusing to submit medical for same reason.
Prohibits healthcare providers and health plans from denying the payment of a medical bill, solely because the bill may have arisen from a third-party claim.
Prohibits healthcare providers and health plans from denying the payment of a medical bill, solely because the bill may have arisen from a third-party claim.