INSURANCE – Adds to exsiting law to establish the Idaho Prior Authorization Refom Act.

This bill establishes the Idaho Prior Authorization Reform Act, requiring health insurance companies to follow standardized processes for approving medical treatments before coverage. It mandates electronic submission of requests, sets specific timeframes for reviews (including expedited approvals for urgent cases), and requires clear explanations when requests are denied. The law directly affects doctors, hospitals, and patients by limiting insurer interference with medical decisions and ensuring transparency in coverage denials. It applies to most health insurance plans but excludes self-insured employer plans and workers' compensation, while preserving existing federal and state health coverage requirements.