summary
Introduced
01/16/2026
01/16/2026
In Committee
02/18/2026
02/18/2026
Crossed Over
Passed
Dead
Introduced Session
Potential new amendment
104th General Assembly
Bill Summary
Amends the Illinois Insurance Code. Prohibits an insurer, dental service plan corporation, professional service corporation, insurance network leasing company, or any other company or its contracted vendor that amends, delivers, issues, or renews an individual or group policy of accident and health insurance on or after the effective date of the amendatory Act from requiring a dental care provider to only accept payment from a credit card or electronic funds transfer, in addition to the existing prohibition on incurred fees to access and obtain payment or reimbursement for services provided. Provides that any insurer, dental service plan corporation, professional service corporation, insurance network leasing company, or any other company or its contracted vendor that amends, delivers, issues, or renews an individual or group policy of accident and health insurance may initiate or change payment methodology to a dental care provider using electronic funds transfer payments, including virtual credit card payments, if the specified conditions are met. Sets forth provisions concerning claim payment methodologies and fees for transmitting payments. Provides that the specified dental coverage reimbursement provisions shall not be waived by contract. Effective January 1, 2027.
AI Summary
This bill amends the Illinois Insurance Code to prohibit insurers, dental service plan corporations, and other similar entities from forcing dental care providers to exclusively accept payments via credit card or electronic funds transfer (EFT), which includes virtual credit card payments, or to charge them fees for accessing their payments. While these entities can initiate or change payment methods to EFT if certain conditions are met, such as notifying providers of any associated fees and offering alternative payment options without provider charges, providers must explicitly agree to these methods. The bill also clarifies that a provider's chosen payment method remains in effect until they request a change or a new contract is signed, and insurers cannot use a provider's preferred payment method as a factor in credentialing. Furthermore, it states that these provisions cannot be waived by contract, and any conflicting contract clauses are void, with the changes taking effect on January 1, 2027.
Committee Categories
Business and Industry
Sponsors (1)
Last Action
Placed on Calendar Order of 3rd Reading March 5, 2026 (on 03/04/2026)
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