Insurance Companies, Agents, Brokers, Policies - As introduced, establishes the Tennessee commission of insurance review; prohibits a health insurance entity from offering or maintaining a health benefit plan that uses downcoding in a manner that prevents the provider from collecting the fee for actual services performed either from the health benefit plan or the patient; makes other changes related to health insurance and health insurers. - Amends TCA Title 4; Title 8; Title 56 and Title 71.

This bill prohibits Tennessee health insurers from downcoding claims - adjusting them to lower-cost procedure codes that prevent healthcare providers from receiving payment for actual services rendered. It creates the Tennessee Commission of Insurance Review to handle complaints and enforce these rules, with seven members including health professionals and insurance industry experts. The law applies to all health benefit plans (excluding accident, disability, or limited coverage), requiring insurers to pay providers based on the actual services performed. These changes aim to ensure fair reimbursement for medical services while establishing oversight for insurance practices.