Change requirements for certain insurance policies and contracts

LB 278 requires insurance companies in Nebraska to provide clear, easy-to-understand information about coverage, costs, and prior authorization rules to consumers before they buy a policy. It mandates that insurers make customer satisfaction survey results available upon request and establish committees with provider input to review medical policies and quality standards. The bill also standardizes how insurers credential healthcare providers (allowing annual applications) and creates formal appeal processes for providers who are denied contracts or excluded from networks. Additionally, it prohibits excluding providers who treat patients with complex medical conditions or hold specific permits, unless they fail to meet established quality or access criteria.