Standardizing overpayment recovery requirements.

SB 6071 standardizes timeframes for health insurance carriers to request refunds from health care providers when overpayments occur. It shortens the request window to 12 months (from 24) for most services and 6 months for mental health services, with slightly longer 18/9-month windows for coordination of benefits cases. Providers must be notified in writing with justification, and if they don't contest within 30 days, the refund is automatically accepted. The bill does not affect carriers' ability to recover overpayments directly from patients.