Generally revise health care laws

SB 483 would revise Montana's health care laws by adding specific definitions to clarify insurance coverage processes, particularly around "step therapy" protocols. It directly affects health insurance issuers, providers, and patients by standardizing terms like "adverse determination" (denials of coverage), "clinical peer" reviews, and "step therapy" requirements. Key provisions define how insurers must review coverage requests, including requiring medical necessity justifications and establishing clearer pathways for appeals. The bill focuses on improving transparency in insurance decision-making without creating new benefits or funding. (Note: This bill died in process on May 23, 2025, and did not become law.)