CA AB2028

Requires health care service plans and health insurers that issue specialized dental health care contracts or policies to maintain a minimum medical loss ratio (MLR) of 85%

Mandates annual rebates to enrollees or insureds on a pro rata basis if the MLR falls below 85%, calculated as the difference between 85% and the actual MLR multiplied by total premium revenue

Applies MLR requirements to dental-specific coverage while exempting Medi-Cal, Medi-Cal Access Program, and California Major Risk Medical Insurance Program policies

Exempts disability insurance for dental-only coverage that pays fixed benefits on a cash payment only basis from the MLR requirements

Declares no state reimbursement is required under Article XIII B of the California Constitution because violations constitute crimes under existing health care service plan regulations