OK HB1409

Amends Oklahoma's health insurance law (36 O.S. 2001, Section 6055) to allow insured persons to select any licensed practitioner for covered services within that practitioner's scope of practice.

Permits health insurers to exclude or limit coverage for specific illnesses or conditions, but prohibits exclusions that discriminate against particular classes of practitioners for the same services.

Establishes cost-sharing limits between preferred providers and non-preferred providers, including deductible ratios (3:1 for hospitals/facilities, 3:1 for practitioners) and coinsurance limits (cannot exceed 30 percentage points difference).

Requires insurers to provide timely explanation of benefits to all claim submitters regardless of network status, and allows practitioners to receive direct compensation when benefits are assigned by the insured.

Exempts preferred provider organizations (PPOs) and statewide provider networks that meet specific criteria from assignment of benefits requirements, but requires disclosure of out-of-pocket costs and ownership interests in non-participating facilities; effective November 1, 2011.