An Act improving the health insurance prior authorization process

H 4616 requires health insurance companies in Massachusetts to publicly list all medical services, drugs, and procedures needing pre-approval (prior authorization) on their websites. Insurers must also report annual data on approval/denial rates, processing times, and appeal outcomes in a standardized format. The bill prevents insurers from denying coverage for services already approved or denying claims over minor administrative errors (unless fraud is proven), and bans retrospective denials unless fraud occurred. This directly affects insurers, healthcare providers, and patients by making the authorization process more transparent and reducing unexpected coverage denials.