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Insurance Claims Payments to Physicians; Prohibits contracts between certain physicians & health insurers & health maintenance organizations from specifying credit card payments to physicians as only acceptable method for payments; authorizes use of electronic funds transfers by health insurers & HMOs for payments to physicians; provides notification requirements; prohibits health insurers & HMOs from charging fees for automated clearinghouse transfers as claims payments to physicians; prohibits health insurers & HMOs from denying claims subsequently submitted by physicians for procedures that were included in prior authorizations.