HI SB287

Prohibits all health insurers from requiring preauthorization of medical services in a manner that causes undue delay in patient receipt of treatment, including delays from insufficient time to obtain approval, unwarranted rejections, administrative difficulties, or insurer noncommunication.

Defines "undue delay" as any response time exceeding the timeframe permitted for similar preauthorization requests by Medicaid, Medicare, or other federal plans for the same medical treatment or service.

Requires all health insurers, mutual benefit societies, and health maintenance organizations to disclose on their public websites all medical policies used for preauthorization decisions, including services subject to review, application procedures, determination criteria, and appeal procedures.

Shields licensed health care providers from civil liability for patient injuries caused by insurer delays in preauthorization, while granting patients individual rights to enforce these requirements.

Applies requirements to all health benefits plans under chapter 87A, with disclosure and policy requirements effective January 1, 2019, and undue delay prohibitions effective July 1, 2018.