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.
House Floor Amendment No. 1: Replaces everything after the enacting clause with the provisions of the introduced bill with the following changes. Provides that a dental care provider's express acceptance may be given by an electronic or digital signature if the form of the signature is recognized as a valid signature under applicable law. Replaces provisions concerning requests for a change in the available payment methodology and provisions prohibiting an insurer or managed care plan from using a dental care provider's preferred method of payment as a factor when deciding whether to provide credentials to a dentist with cross-references to existing health care provider reimbursement requirements. Effective January 1, 2027.

Statutes affected:
Introduced: 215 ILCS 5/355
Engrossed: 215 ILCS 5/355
Enrolled: 215 ILCS 5/355