Bill > SB00453

This bill proposes to amend title 38a of the general statutes to change how health insurance carriers handle out-of-pocket expenses for medical services. Specifically, the bill would require health carriers to take on the responsibility of collecting coinsurance, copayments, deductibles, and other out-of-pocket expenses that patients owe for covered medical benefits. Under this proposed legislation, if these expenses remain unpaid after a certain period, the health carrier would be obligated to pay the outstanding amount to the healthcare provider. The key terms in this bill include "out-of-pocket expenses" (the amount patients pay for medical services before insurance coverage kicks in), "coinsurance" (the percentage of medical costs a patient pays after meeting their deductible), "copayment" (a fixed amount patients pay for a specific medical service), and "deductible" (the amount patients must pay before their insurance begins to cover costs). The bill aims to streamline the payment process for medical services and potentially reduce the administrative burden on healthcare providers by centralizing the collection of patient expenses through health insurance carriers.

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https://www.cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&bill_num=SB00453&which_year=2025