HB400 Summary

• Requires all insurers providing dental coverage in Alabama to allow beneficiaries to carry over unused annual benefit maximum dollars into the following year, effective January 1, 2026.

• Defines key terms including annual benefit maximum, dental benefit plan, health benefit plan, dental care services, and unspent annual benefit maximum dollars.

• Limits accumulated carryover to two times the annual benefit maximum from the preceding year, with insurers retaining discretion to set other terms and conditions.

• Specifies that claims incurred in the current year but paid in the succeeding year are subtracted from the current year's maximum, while carried-over amounts are added to the next year's maximum.

• Authorizes the Alabama Department of Insurance to adopt rules implementing the requirement and makes conforming amendments to sections 10A-20-6.16 and 27-21A-23; effective October 1, 2025.