MT SB449

New health insurers must honor prior authorizations from a previous insurer for at least 90 days when an enrollee changes plans, and enrollees are protected from mid-year changes to coverage criteria for already-authorized services

Prescriptions written at hospital discharge must be immediately approved without prior authorization for at least 3 days, provided the medication costs no more than $5,000 per day

Enrollees cannot be required to repeat step therapy protocols if they previously tried and discontinued the required drug (or similar drug in the same class) due to lack of effectiveness, adverse events, or contraindications

Prior authorization approvals are final and cannot be retroactively rescinded after services are provided, except in cases of fraud, misrepresentation, nonpayment, or benefit exhaustion

Health insurers must accept and respond to prior authorization requests electronically, including using the NCPDP SCRIPT standard for prescription drug authorizations when submitted in that format