IN SB0189

Creates a new Indiana Code chapter (IC 27-1-45.2) establishing state-level procedures for disputes subject to the federal independent dispute resolution process under the No Surprises Act (42 U.S.C. 300gg-111).

Requires initiating parties to notify healthcare facilities within 3 business days of submitting a federal independent dispute resolution request, with penalties up to $5,000 annually for repeated violations by out-of-network providers.

Allows health carriers to trigger mandatory good faith negotiations when 25 or more qualified disputes accumulate within any 90-day period, requiring at least one conference between authorized representatives within 30 days.

Mandates a written memorandum of conference documenting dispute details including initial paid amounts, negotiation offers, and qualifying payment amounts, which must be filed with the Department of Insurance (with claim-specific payment information kept confidential).

Prohibits health carriers from assessing administrative fees or penalties on facilities or providers related to out-of-network care, classifying violations as unfair and deceptive insurance practices subject to enforcement under IC 27-4-1.