health insurance; claims; consumer assistance

SB 1533 establishes a state health care claims consumer assistance program within the department to help Arizona residents navigate health insurance issues. The program assists consumers with filing complaints, appeals, and disputes over denied claims, educates them on coverage rights, and helps them access federal tax credits (Section B). Health insurers must prominently display program information on benefit explanations and disclose data on denied claims to the department (Sections C, N). Violations like wrongful claim denials trigger automatic double damages for consumers, civil penalties up to $25,000 per violation, and mandatory annual reporting on claim denials (Sections G, J, Q).