WV HB4810

Dental insurance carriers must file annual Medical Loss Ratio (MLR) reports with the Insurance Commissioner, disclosing how premium funds are spent on patient care versus administrative costs, with data made publicly available for comparison

Carriers must spend at least 85% of premium revenue on actual patient care and quality improvement activities; if they fall below this threshold, they must provide annual rebates to enrollees through premium reductions

Dental carriers cannot require providers to accept only credit card or fee-based payment methods; providers must be given fee-free payment options and must explicitly consent to any payment method that imposes charges

Third-party network contracts are permitted only if dental providers choose to participate, and providers cannot have their contracts terminated for refusing third-party access to their services and discounted rates

The Insurance Commissioner is authorized to enforce these provisions and promulgate rules, including emergency rules, to implement the requirements