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Bill > S1198


FL S1198

FL S1198
Health Insurance Claims


summary

Introduced
01/06/2026
In Committee
01/12/2026
Crossed Over
Passed
Dead
03/13/2026

Introduced Session

2026 Regular Session

Bill Summary

An act relating to health insurance claims; amending s. 408.7057, F.S.; defining the term “denied prior authorization request”; expanding the scope of the statewide provider and health plan claim dispute resolution program to include resolution of denied prior authorization requests; providing that participation in the program is mandatory and prohibiting providers and health plans from opting out of the claim dispute resolution process; revising circumstances under which a claim dispute is exempt from the program’s claim dispute resolution process; providing that respondents in claim disputes may not avoid imposition of a default by declining to participate in the claim dispute resolution process; providing for reimbursement of reasonable costs to providers if the health plan is determined to be the nonprevailing party in a claim dispute involving a denied prior authorization request; requiring the Agency for Health Care Administration to adopt certain rules; amending ss. 627.6131 and 641.315, F.S.; prohibiting contracts between certain physicians and health insurers and health maintenance organizations, respectively, from specifying credit card payments to physicians as the only acceptable method for payments; authorizing use of electronic funds transfers by health insurers and health maintenance organizations, respectively, for payments to physicians under certain circumstances; providing notification requirements; prohibiting health insurers and health maintenance organizations, respectively, from charging fees for automated clearinghouse transfers as claims payments to physicians; providing an exception; providing applicability; prohibiting health insurers and health maintenance organizations, respectively, from denying claims subsequently submitted by physicians for procedures that were included in prior authorizations; providing exceptions; providing applicability; amending ss. 409.967 and 627.64194, F.S.; conforming provisions to changes made by the act; providing an effective date.

AI Summary

This bill expands the statewide provider and health plan claim dispute resolution program to include "denied prior authorization requests," which are defined as requests for health care services, supplies, or medications that a health plan has disapproved, not acted upon within required timeframes, or approved with restrictive conditions. Participation in this dispute resolution program is now mandatory for both providers and health plans, meaning they cannot opt out. The bill also clarifies that respondents in claim disputes cannot avoid a default by refusing to participate and mandates that health plans reimburse providers for reasonable costs, including filing and administrative fees, if the health plan is found to be the losing party in a dispute over a denied prior authorization request. Additionally, it prohibits contracts between health insurers or health maintenance organizations (HMOs) and physicians or dentists from exclusively requiring credit card payments, allows for electronic funds transfers (EFTs) with proper notification and consent, and prevents insurers/HMOs from charging fees for Automated Clearing House (ACH) transfers as claim payments to physicians, with some exceptions. The bill also states that insurers and HMOs cannot deny claims for procedures that were included in prior authorizations unless specific exceptions apply, and these provisions regarding payment methods and prior authorization denials will take effect for new or renewed contracts with dentists on January 1, 2025, and with physicians on January 1, 2027.

Sponsors (1)

Last Action

Died in Banking and Insurance (on 03/13/2026)

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