An Act To Strengthen The Requirements For Medical Payments Coverage

LD 899 requires written agreements for assigning medical payments coverage in Maine insurance policies. It prohibits casualty insurers from paying health care providers directly unless they first receive a bill showing the patient's health insurer has already paid the provider and the bill specifies the patient's cost-sharing (like copays, deductibles, or coinsurance). This affects insurers and patients by clarifying payment responsibilities and preventing duplicate payments for medical services. The bill amends Maine law to ensure medical payments are applied as directed by the insured and tied to prior health insurance payments.