RI H7722

Requires dental insurers to allow policyholders to assign benefits directly to any dental care provider, regardless of whether the provider is in-network or out-of-network

Mandates that out-of-network dentists receive reimbursement at no less than the highest rate paid to any participating provider for the same service, including incentive-based or performance-tiered schedules

Prohibits insurers from using tiered reimbursement structures, geographic modifiers, or network classifications to reduce payment amounts to out-of-network providers

Prevents insurers from creating new provider categories or reimbursement tiers specifically to reduce the benchmark payment amount

Applies to accident and sickness insurance policies, nonprofit hospital service corporations, and health maintenance organizations, with an effective date of January 1, 2027