AL SB403

Prohibits health insurance policies, health maintenance organization plans, and similar contracts from requiring dentists to provide services at plan-set fees unless those services are covered by the plan or policy.

Defines "covered person" as any individual or family member receiving third-party payment or prepayment of health or medical expenses under an insurance policy or plan.

Defines "dental care provider" as a licensed dentist and "insurance policy, plan, or contract" to include accident or health insurance, hospital or health care service contracts, HMO contracts, organized delivery systems, and preferred provider organization contracts.

Preserves the ability of insurers and third-party administrators to restrict balance billing, waiting periods, frequency limitations, deductibles, and maximum annual benefits for covered services.

Becomes effective on the first day of the third month following passage and approval by the Governor.