Senate Bill No. 438 amends Section 1219.6 of Title 36 of the Oklahoma Statutes, which pertains to health insurance payment methods to providers. The bill introduces new requirements for health insurance plans, health insurers, and health maintenance organizations regarding payment methods to health care providers. Specifically, it mandates that if a credit card is used for payment, the provider must be notified of any associated fees and given clear instructions on selecting a preferred payment method. Additionally, similar requirements are established for electronic funds transfer payments, ensuring that providers are informed of fees and available payment options.

The bill also clarifies that health insurance plans cannot restrict payment methods solely to credit card payments and prohibits charging fees for Automated Clearing House Network transactions unless the provider has consented. It emphasizes that these provisions cannot be waived by contract, rendering any conflicting contractual clauses void. The bill is set to take effect on November 1, 2025, and violations will be enforced by the Insurance Commissioner.