Health Insurance - Material Changes to Provider Networks - Notification and Special Enrollment Period

HB 684 requires health insurance companies to notify members 60 days in advance if a provider (including primary care or behavioral health providers) is removed from their network, unless termination relates to fraud, abuse, or licensure issues. It mandates that members affected by such changes receive a 90-day special enrollment period to continue seeing those providers, along with clear contact information for filing complaints. Insurance companies must also notify the Maryland Insurance Commissioner about network changes at least 60 days before termination and update their access plans within 5 business days of the change. This bill directly affects health insurance members who lose provider access and requires insurers to follow specific transparency and transition procedures.