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OK HB4462

OK HB4462
Health insurance; prior authorization; utilization review organizations; insurers; exemptions; effective date.


summary

Introduced
02/02/2026
In Committee
02/03/2026
Crossed Over
Passed
Dead

Introduced Session

2026 Regular Session

Bill Summary

An Act relating to health insurance; providing definitions; establishing that non-urgent care prior authorization requests shall be deemed approved if the utilization review organization fails to take certain action; granting the utilization review organization additional time for decision if network provider is requested to provide additional information; providing requirements for additional information requests; requiring network provider to submit new prior authorization request if they fail to provide all clinical information; requiring network providers to submit non-urgent care requests at least six days before scheduled health care service; establishing that urgent care prior authorization requests shall be deemed approved if the utilization review organization fails to take certain action; requiring network provider to submit additional information within twenty four hours of receiving request; directing utilization review organizations to ensure requests for prior authorization are made by physician or other competent health care professional; requiring utilization review organizations to include certain information with notice of adverse determination; requiring utilization review organizations to ensure adverse determinations are made by qualified physicians; directing utilization review organizations to make appeals process readily accessible on website; requiring response to appeals within certain timeframe; requiring appeals to be decided by physician other than physician who made original adverse determination; directing insurers to exempt certain network providers from obtaining prior authorization for covered health care services; clarifying that exemption shall be effective for succeeding year upon determination by utilization review organization; permitting insurers to rescind exemption for certain actions by health care professional; permitting insurers to automatically renew exemption if certain conditions are met; directing insurers to make written notice of a decision granting or declining renewal of an exemption; providing required contents for notice of rescission or declination of exemption; requiring insurer afford a health care professional reasonable opportunity to challenge grounds for a decision; directing for reconsideration to be performed by qualified physician; clarifying decision on reconsideration is final; requiring information be held in strictest confidence; clarifying health care professional whose exemption was rescinded or not renewed for certain reasons remains automatically eligible for an exemption; establishing that these exemptions do not apply to experimental health care services; granting the Oklahoma Insurance Commissioner rule making authority; providing for codification; and providing an effective date.

AI Summary

This bill establishes new rules for health insurance prior authorization processes in Oklahoma, aiming to streamline approvals and improve transparency. Key provisions include setting strict deadlines for utilization review organizations (UROs), which are entities that review and approve or deny requests for medical services, to respond to prior authorization requests; non-urgent requests must be approved or denied within 72 hours plus one additional business day, and urgent requests within 24 hours, or they are automatically approved. If a URO needs more information, they have additional time to make a decision after receiving it, but if a healthcare provider fails to submit all requested information within a specified timeframe, a new prior authorization request must be submitted. The bill also mandates that all prior authorization and adverse determination decisions (denials of coverage) must be made by qualified physicians, who must be independent of the initial decision-maker during the appeals process, and that appeals must be accessible online and decided within specific timeframes. Furthermore, insurers will be required to exempt certain network providers, meaning healthcare professionals who consistently have their prior authorization requests approved, from needing prior authorization for covered services starting in 2027, though these exemptions can be rescinded under specific circumstances like fraud or a significant increase in claims. The Oklahoma Insurance Commissioner is granted authority to create rules to implement these changes, which will take effect on November 1, 2026.

Sponsors (1)

Last Action

Second Reading referred to Rules (on 02/03/2026)

bill text


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