OK SB1942

Amends the definition of "covered services" for dental insurance to mean services actually reimbursed under a subscriber agreement, regardless of contractual limitations like deductibles, waiting periods, or frequency limitations

Prohibits dental plans from requiring dentists to provide services at plan-set fees unless the services are covered under the subscriber agreement

Requires health benefit plans and dental plans to maintain appeal procedures for claims denied based on lack of medical necessity

Mandates that medical necessity denials be determined by a dentist with a nonrestricted U.S. license, and written denials must include the reviewing dentist's identifier, license number, state of issuance, and contact telephone number

Effective date: November 1, 2026