SB 324 Summary

• Prohibits health insurers from requiring dentists to provide services at insurer-set fees unless those services are "covered dental services" as defined in the bill (services with reimbursement available under the plan or reimbursement exceeding 50% of the provider's prevailing fee).

• Defines "covered dental services" to include services for which reimbursement is available under an enrollee's health benefit plan contract, even if subject to deductibles, copayments, or other contractual limitations.

• Adds unfair and deceptive insurance practice prohibitions against setting or requiring approval of fees for non-covered dental services, and prevents health benefit plans from establishing fees for uncovered dental care.

• Exempts health benefit plans subject to the federal Employee Retirement Income Security Act (ERISA) from these requirements.

• Amends related sections governing health insuring corporations and provider contracts to align with the dental services fee restrictions and clarify disclosure requirements.