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SF3297 (Legislative Session 94 (2025-2026))

Health insurers to provide explanation of benefits electronically authorization

Related bill: HF3055

AI Generated Summary

Purpose of the Bill

The purpose of this bill is to update Minnesota's health insurance communications by allowing insurers to send explanations of benefits (EOBs) electronically. This aims to modernize the delivery of these documents while maintaining patient rights to choose their preferred format.

Main Provisions

  • Electronic Delivery: Insurers are permitted to send EOBs in electronic formats. Patients will have the choice to receive EOBs in paper form, electronically, or both.
  • Patient Choice: Insurers must provide clear instructions for patients to select their preferred method of receiving EOBs.
  • Default Option: If a patient does not specify a preference, they will continue to receive paper EOBs.

Significant Changes to Existing Law

  • The bill updates the existing standards by specifying that EOBs can now be provided electronically, which was previously not standardized in this way.
  • The bill also mandates that any electronic version of an EOB must use the same data elements and definitions as the paper version, ensuring consistency in information provided.
  • Regulations will no longer apply to certain insurers not classified under specific federal legislative codes.

Relevant Terms

  • Explanation of Benefits (EOB)
  • Health care services
  • Group purchasers
  • Electronic documents
  • Patient rights
  • Health insurance communication

Bill text versions

Actions

DateChamberWhereTypeNameCommittee Name
April 06, 2025SenateFloorActionIntroduction and first reading
April 06, 2025SenateFloorActionReferred toHealth and Human Services

Citations

 
[
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "This bill amends the definition of the uniform explanation of benefits document, allowing insurers to provide it electronically.",
      "modified": [
        "The definition was expanded to include electronic equivalents as per section 62J.581."
      ]
    },
    "citation": "62J.51",
    "subdivision": "subdivision 19a"
  },
  {
    "analysis": {
      "added": [
        "Clarifies the option for electronic delivery of the uniform explanation of benefits."
      ],
      "removed": [],
      "summary": "This bill modifies the standards for Minnesota's uniform health care reimbursement documents.",
      "modified": [
        "Adjusted specifications to allow electronic access to documents.",
        "Includes new requirements for group purchasers wishing to provide electronic versions."
      ]
    },
    "citation": "62J.581",
    "subdivision": ""
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "Subd. 1 references requirements for uniform claim payment advice transactions as part of the modifications.",
      "modified": [
        "The clause ensures compliance for electronic transactions."
      ]
    },
    "citation": "62J.536",
    "subdivision": "subdivision 1"
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "This section exempts health plan companies compliant with certain conditions from the subsections' requirements.",
      "modified": []
    },
    "citation": "62A.01",
    "subdivision": "subdivisions 2 and 3"
  },
  {
    "analysis": {
      "added": [],
      "removed": [],
      "summary": "U.S.C sections are referenced to clarify exemptions under federal law.",
      "modified": []
    },
    "citation": "42 U.S.C. 1320d to 1320d-8",
    "subdivision": ""
  }
]

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