Health Insurance - Prompt Payment of Claims - Requirements

HB 739 requires health insurers, nonprofit health plans, and HMOs to pay or clearly explain claim refusals within 30 days of receiving a claim. It mandates that insurers provide specific, detailed notices when denying payment (including exact missing information) and treats any refusal as an official denial. The bill also limits fees for electronic payments (e.g., credit card) by requiring advance notice to providers and offering fee-free alternatives, while extending the time providers have to submit claims (180 days) and appeal denials (90 days). This directly affects insurers and providers by standardizing payment timelines and reducing opaque claim denials.