Relating to bundling and down-coding practices conducted by certain providers of dental benefits.

SB 1090 limits insurance companies and dental benefit providers from changing dentists' submitted procedure codes through "bundling" (combining separate procedures into one bill) or "down-coding" (adjusting claims to lower-cost codes) unless they first conduct a professional review. The bill requires insurers to verify that original coding was incorrect, fragmented, or unbundled before making changes, using accepted dental coding standards. It applies to employee dental plans starting January 1, 2026, and health insurance policies delivered or renewed after that date. This affects dental insurers and providers by restricting how they adjust claims, but does not apply to standard benefit denials or claims with accurate billing. The bill takes effect September 1, 2025.