Relating to disclosures of preauthorization requirements and explanations of benefits for medical and health care services and supplies covered by health maintenance organizations and preferred provider benefit plans; imposing administrative penalties.

HB 4681 requires health maintenance organizations (HMOs) and preferred provider plans to provide clear, plain-language written summaries to enrollees about covered medical services and explanations of benefits. It mandates that these summaries describe services simply and explain any codes used (like denial codes) in language patients can understand. The bill also requires HMOs to display preauthorization requirements prominently on their websites in free, searchable formats that don’t need logins, making the information accessible to patients, doctors, and the public. This law directly affects HMOs and preferred provider plans by changing how they communicate coverage rules and billing details to patients.