Generally revise health utilization review laws

This bill revises Montana's health utilization review laws to improve how health insurance companies handle prior authorization requests for covered services. It directly affects health insurance issuers, utilization review organizations, healthcare providers, and policyholders by establishing new rules for approval processes. Key provisions include requiring insurers to honor prior authorizations for at least 90 days when enrollees switch health plans, prohibiting retroactive denial of approved services, and banning prior authorization requirements for most prescriptions written at hospital discharge. The legislation also mandates electronic submission and response methods for prior authorization requests and prevents enrollees from repeating step therapy protocols if they have previously used similar medications.