Medical necessity standard-timeline amendments.

This Wyoming bill (SF 122) shortens deadlines for health insurers and independent review organizations to evaluate whether medical services are necessary. It reduces the insurer review period from 45 to 21 days and requires external review organizations to complete decisions within 21 days of receiving a request. The changes directly affect health insurers, patients (claimants), and independent review organizations handling coverage disputes. The bill takes effect July 1, 2026, and does not alter coverage criteria, only the timing for decisions.