prior authorizations; habilitative services

HB 2250 requires health insurers in Arizona to honor prior authorizations for covered services granted by a previous insurer for at least 90 days when an enrollee switches health plans. This directly affects patients transitioning between insurance plans and their healthcare providers, ensuring continuity of approved treatments like habilitative services (e.g., physical therapy or mental health care) without immediate denial. The key mechanism mandates that insurers must accept prior authorizations from the previous insurer if the service is covered under the new plan and documentation is provided. This policy change prevents sudden coverage interruptions during plan changes, focusing on practical implementation rather than new benefits.