Bill > A3814

Introduced Session

This bill, entitled the "Health Insurance Claim Plain Language and Simplification Act," requires health insurance carriers to provide explanation of benefits forms to covered persons which include certain information on the form in a certain format, and to use simple, plain language that is clearly understandable. The bill requires every carrier issuing health benefits plans in this State to provide a written explanation of benefits form to a covered person whenever a claim is generated under the covered person's health benefits plan. The explanation of benefits form shall contain all of the following information on the first page of the form: (1) the name of the insured, the name of the health care provider, the date of service, the amount of the claim, the amount paid by the carrier, and the amount to be paid by the covered person; (2) if a claim is paid in whole or in part, an explanation of the reasons that the claim was paid in whole or in part; (3) if a claim is denied, an explanation of the reasons that the claim is denied; and (4) instructions as to any action that the covered person is required to take with respect to the claim or any option which may be available to the covered person with respect to the determination of benefits for that claim. The bill requires this information to be the only information provided on the first page of the explanation of benefits form and requires the information to be in 12-point font. The bill also requires the information to be in simple, plain language that is clearly understandable to covered persons, in a manner consistent with the "Life and Health Insurance Policy Language Simplification Act," P.L.1979, c.167 (C.17B:17-17 et seq.).

Committee Categories

Michele Matsikoudis (R)*, 

Introduced, Referred to Assembly Financial Institutions and Insurance Committee (on 02/22/2024)

Official Document