PA SB610

Health insurers must allow protected enrolled dependents (adults on a parent's plan or minors who can legally consent to care) to request confidential communications about their health care services, preventing disclosure to the primary policyholder

Confidential communications covered include explanation of benefits, appointment information, claim denials, provider names and addresses, and any communication containing protected health information

Dependents may request communications be sent to an alternate address, alternate email, or suppressed entirely if they have no payment liability for the service; insurers must implement requests within 3 business days

Insurance Department required to submit annual reports to the legislature on compliance data and program effectiveness, and must establish an appeals process for claim denials affecting dependents using confidential communications

Takes effect 60 days after enactment, with requirements applying to policies 180 days after the effective date; excludes accident-only, dental-only, vision-only, workers' compensation, and certain other limited coverage policies