AZ SB1346

Health care insurers and self-insured health plans must provide a summary of an insured's coverage within three business days of request for a specific medical service or course of treatment.

The coverage summary must include estimated out-of-pocket costs (deductibles, copayments, coinsurance), estimated amounts paid by the insurer to providers, and whether costs exceed the plan's allowable charges.

Health professionals and health professional groups must provide patients with an estimate of charges within three business days when requested, including applicable medical codes and any available discounts or financial incentives.

Charge estimates must represent good faith efforts to provide accurate information and must include the identity of the health professional(s), facility address, and a statement that estimates are not binding contracts or guarantees.

Both insurers and health professionals may provide information in writing, orally, or electronically as directed by the patient or insured.