AZ HB2132

Requires health care insurers to have written denials of prior authorization made by a licensed medical director, with copies sent to providers and maintained for department inspection.

Authorizes chiropractors licensed in Arizona to review and make direct denials of prior authorization for chiropractic services on the basis of medical necessity.

Mandates the director of insurance to investigate and issue written determinations within 30 days when receiving five or more complaints in a 30-day period alleging the same or similar violations of unfair claim settlement practices.

Increases civil penalties for intentional violations of unfair claim settlement practices to up to $5,000 per violation with an aggregate cap of $50,000 per six-month period.

Clarifies definitions related to utilization review, including "adverse decision," "denial," "covered service," and "utilization review agent" to exclude certain employees and government entities.