summary
Introduced
01/08/2026
01/08/2026
In Committee
01/08/2026
01/08/2026
Crossed Over
Passed
Dead
Introduced Session
2026 Regular Session
Bill Summary
Payment of claims for emergency services. Prohibits a utilization review entity from requiring prior authorization for ambulance services provided: (1) to a covered individual; (2) by a nonparticipating ambulance service provider; and (3) within 12 hours after the ambulance services are requested. Prohibits a utilization review entity from requiring prior authorization for emergent response services or urgent response services that are provided: (1) to a covered individual; (2) in good faith; and (3) within 24 hours after the emergent response services or urgent response services are requested. Provides that a policy of accident and sickness insurance that provides coverage for emergency medical services must provide reimbursement for emergency medical services that are, among other things, performed or provided during a response initiated through the 911 system or an equivalent telephone number, a texting system, or any other method of summoning emergency medical services. Provides that a policy of accident and sickness insurance that provides coverage for emergency medical services must provide reimbursement for emergency medical services that are, among other things, performed or provided when an individual is determined to require emergency medical services by a physician. Provides that an individual contract and a group contract that provide coverage for emergency medical services must provide reimbursement for emergency medical services that are, among other things, performed or provided during a response initiated through the 911 system or an equivalent telephone number, a texting system, or any other method of summoning emergency medical services. Provides that an individual contract and a group contract that provide coverage for emergency medical services must provide reimbursement for emergency medical services that are, among other things, performed or provided when an individual is determined to require emergency medical services by a physician. Repeals certain code provisions addressing advanced life support services.
AI Summary
This bill modifies existing laws concerning the payment of claims for emergency services, primarily by prohibiting utilization review entities, which are organizations that review medical claims for insurance companies, from requiring prior authorization for certain emergency services. Specifically, it prevents these entities from requiring prior authorization for ambulance services provided to a covered individual by a nonparticipating provider (meaning a provider not contracted with the insurance plan) if requested within 12 hours of the service being requested. It also prohibits prior authorization for emergent response services (immediate medical attention to prevent serious harm) or urgent response services (necessary to protect health, ensure timely access to care, or prevent treatment delays) if provided in good faith within 24 hours of being requested. Furthermore, the bill mandates that accident and sickness insurance policies, as well as individual and group contracts that cover emergency medical services, must provide reimbursement for services initiated through 911 or similar emergency summoning methods, or when a physician determines the need for emergency medical services, regardless of whether the patient is transported or if the provider is participating. The bill also repeals provisions related to advanced life support services, indicating a shift in how these services are regulated and reimbursed.
Committee Categories
Business and Industry
Sponsors (2)
Last Action
First reading: referred to Committee on Insurance (on 01/08/2026)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://iga.in.gov/legislative/2026/bills/house/1370/details |
| BillText | https://iga.in.gov/pdf-documents/124/2026/house/bills/HB1370/HB1370.01.INTR.pdf |
| Fiscal Note #1: Introduced | https://iga.in.gov/pdf-documents/124/2026/house/bills/HB1370/fiscal-notes/HB1370.01.INTR.FN001.pdf |
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