HEALTH/ACC INSURANCE: Provides relative to recovery of past medical expenses. (1/1/26)

SB 230 limits health insurers' payments for past medical bills to the "usual and customary rate" (120% of Medicare rates or 170% of Medicaid rates for services without Medicare rates). It affects patients and insurers in future reimbursement claims by capping payments at the lower of the amount paid to providers or this rate. The law applies only to claims filed after January 1, 2026, and does not change existing cases. It modifies how insurers handle medical expense reimbursements under Louisiana law.