MD HB739

Requires insurers, nonprofit health service plans, and HMOs to send claim status notices via mail or email (previously just "send") within 30 days of receiving a reimbursement claim

Establishes that a refusal to reimburse all or part of a claim constitutes a formal denial, triggering appeal rights for providers

Mandates insurers pay or deny claims within 30 days if providers fail to submit requested additional information within 30 days, preventing indefinite claim limbo

Applies to entities acting as third-party administrators to the extent consistent with ERISA

Takes effect October 1, 2026