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IL SB1392

IL SB1392
DENTAL INSURANCE ASSIGNABILITY


summary

Introduced
01/29/2025
In Committee
04/29/2025
Crossed Over
04/04/2025
Passed
08/01/2025
Dead
Signed/Enacted/Adopted
08/01/2025

Introduced Session

104th General Assembly

Bill Summary

Amends the Illinois Insurance Code. Provides that no provision of the Illinois Insurance Code, or any other law, prohibits assignability rights to an insured under any policy of dental insurance (in addition to accident and health insurance). Provides that if an enrollee or insured of an insurer, health maintenance organization, managed care plan, health care plan, preferred provider organization, dental service plan corporation, dental insurer, or third party administrator assigns a claim to a health care professional, or health care facility, a dental care provider, or a dental care facility, then payment shall be made directly to the health care professional, or health care facility, dental care provider, or dental care facility, including any required interest. Effective immediately.

AI Summary

This bill expands the existing laws regarding insurance assignability to specifically include dental insurance, allowing patients more flexibility in how they manage their dental insurance claims. The bill amends the Illinois Insurance Code to clarify that no provision of state law prohibits an insured person from assigning their rights under a dental insurance policy, just as was previously the case for accident and health insurance. Under the new provisions, if an enrollee or insured person assigns a claim to a dental care provider or facility, the insurance company must make payment directly to that provider, including any required interest for delayed claims. The bill also updates several related state acts, including the Health Maintenance Organization Act, the Limited Health Service Organization Act, and the Voluntary Health Services Plans Act, to ensure consistency across different types of health and dental insurance providers. These changes will take effect on January 1, 2026, and aim to provide more transparency and direct payment options for patients and dental care providers in Illinois.

Committee Categories

Business and Industry

Sponsors (10)

Last Action

Public Act . . . . . . . . . 104-0098 (on 08/01/2025)

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