FL H1231

Contracts between health insurers or HMOs and physicians licensed under chapter 458 or 459 may not specify credit card payment as the only acceptable method for claims payments to physicians.

Health insurers and HMOs must notify physicians and obtain their signed consent before using electronic funds transfers (including virtual credit cards) for claims payments, with consent applying to the physician's entire practice rather than on a patient-by-patient basis.

Health insurers and HMOs are prohibited from charging fees for automated clearinghouse (ACH) transfers to physicians unless the physician has consented to the fee.

Health insurers and HMOs may not deny claims submitted by physicians for procedures specifically included in a prior authorization, except in limited circumstances such as benefit limits being reached, documentation not supporting the claim, changes in patient condition, fraud, patient ineligibility, or another payor being responsible.

Provisions applying to physician contracts take effect for contracts delivered, issued, or renewed on or after January 1, 2026, with the overall act effective July 1, 2025.