OR SB532

Dental insurers must pay or deny clean claims within 30 days of receipt, and must notify providers in writing if additional information is needed within that same timeframe

Refund requests from dental insurers to providers must be made in writing within 18 months of payment (or 30 days for coordination of benefits issues), and contested refunds cannot be demanded sooner than 6 months after the provider receives the request

Dental insurers must reimburse providers through direct payment rather than through the patient, and must offer fee-free payment alternatives if using credit card or electronic funds transfer methods that impose processing fees

Contracts between dental insurers and providers cannot include provisions that limit provider rights or relieve parties of obligations under these claim payment rules

Provisions become operative January 1, 2027