HI HB2209

Requires health insurance carriers to honor written assignments of benefits from patients, directing payment for substance use disorder treatment services directly to the treating provider within 30 days of receiving a valid claim.

Prohibits health insurance policies from containing anti-assignment clauses that restrict or void a patient's right to assign benefits to substance use disorder treatment providers, making any such clauses unenforceable.

Allows substance use disorder treatment providers denied payment despite a valid assignment to bring civil action for injunctive relief, actual damages, interest, reasonable attorneys' fees, and costs.

Classifies violations as unfair or deceptive acts under state insurance law and requires the Insurance Commissioner to publish annual compliance summaries including assignments honored, denied, and enforcement actions taken.

Applies to fully insured health benefit plans under state jurisdiction, excluding self-funded employer plans regulated exclusively under ERISA unless permitted by federal law.