Health Insurance - Utilization Review - Revisions

This Maryland bill updates health insurance rules to improve how prior authorization requests are handled and to ensure patients receive clearer cost information. It requires insurance companies to create online systems that allow doctors to submit and receive approval for drug coverage electronically, while also displaying real-time out-of-pocket costs and cheaper medication options at the point of prescribing. The law further prohibits insurers from charging fees for accessing these digital tools and restricts their ability to use provider data without consent. Additionally, the bill removes prior authorization requirements for specific prescription drugs used to treat opioid use disorder, such as methadone, buprenorphine, and naltrexone. These changes aim to streamline the approval process and increase transparency for both healthcare providers and insured individuals.