Prohibits carrier from precluding dentist from billing covered person under certain circumstances.

This New Jersey bill (S 765) ensures patients can be billed directly by dentists when insurance won't pay for covered services, under specific conditions. Dentists must first provide written notice about payment responsibility, explain alternative options, get written patient consent, and accept the insurance-set payment amount. If a dentist charges more than the insurance-covered amount, they must refund the difference to the patient. The bill also prohibits insurance companies from using "down-coding" (reducing payment codes) or improper bundling of services to prevent dentists from collecting full fees, protecting both patients and providers from unexpected costs.