Standardizing overpayment recovery requirements.

HB 2546 standardizes time limits for health insurance carriers to request refunds from healthcare providers for overpaid claims. It requires carriers to submit refund requests in writing within six months (or nine months for coordination with other insurers) after payment, gives providers 30 days to contest requests, and deems unchallenged requests accepted. The bill directly affects health insurance carriers and healthcare providers by creating clear, uniform rules for overpayment recovery, replacing previous variable timeframes. It excludes dental-only carriers, Medicare, and supplemental plans, and does not change how carriers recover payments from patients. The law takes effect January 1, 2027.