HB 3065 Summary

• Creates the "Oklahoma Right to Shop Act" requiring health care entities to disclose allowed amounts or charges to patients within two (2) business days upon request, with estimated amounts if specific treatment cannot be predicted.

• Mandates insurance carriers establish a toll-free telephone number and website enabling enrollees to request binding estimates for proposed admissions, procedures, or services within two (2) business days based on average prices paid in the past 12 months.

• Prohibits carriers from charging enrollees more than disclosed allowed amounts for covered benefits, while permitting disclosed cost-sharing requirements for unforeseen services not included in the original estimate.

• Requires carriers to pay enrollees 50% of cost savings up to $7,500 per plan year when services cost less than county average amounts, and to apply out-of-network costs toward in-network cost-sharing thresholds under specified conditions.

• Requires annual filings with the Oklahoma Insurance Commissioner beginning February 1, 2018, reporting estimate requests, savings transactions, average costs, total savings, and enrollee participation rates; effective November 1, 2016.