HF3055 (Legislative Session 94 (2025-2026))
Insurers allowed to provide explanation of benefits electronically.
Related bill: SF3297
AI Generated Summary
Purpose of the Bill
The bill aims to modernize health insurance communication by allowing insurers to provide an electronic version of the Explanation of Benefits (EOB) to patients. This shift is intended to offer more convenience and accessibility for individuals receiving healthcare services.
Main Provisions
- Electronic Delivery of EOB: Insurers can send the Explanation of Benefits electronically, in addition to the traditional paper format.
- Patient Choice: Patients must have the option to choose whether they want to receive their EOB in paper form, electronic form, or both.
- Informed Decision: Insurers need to provide clear and accessible instructions for patients on how to express their preferences regarding the format in which they receive their EOB.
- Default to Paper: If patients do not express a preference, they will continue to receive the EOB in paper form by default.
Significant Changes to Existing Law
- Currently, there is no uniform requirement for offering electronic EOBs. This bill introduces a standardized process, ensuring patients can opt for and access their EOBs electronically.
- Introduces electronic communications for EOBs as a standard practice, aligning with digital trends and practices already common in other sectors.
Relevant Terms
- Explanation of Benefits (EOB)
- Electronic communication
- Health insurance
- Patient choice
- Uniform explanation document
Bill text versions
- Introduction PDF file
Actions
| Date | Chamber | Where | Type | Name | Committee Name |
|---|---|---|---|---|---|
| April 01, 2025 | House | Floor | Action | Introduction and first reading, referred to | Health Finance and Policy |
Citations
[
{
"analysis": {
"added": [
"Permits the electronic equivalent of the document."
],
"removed": [
""
],
"summary": "This bill modifies the definition of 'uniform explanation of benefits document' to include electronic versions under section 62J.51, subdivision 19a.",
"modified": [
"Clarifies that the term includes electronic equivalents sent to patients."
]
},
"citation": "62J.51",
"subdivision": "subdivision 19a"
},
{
"analysis": {
"added": [
"Allows electronic versions of documents if they comply with specified conditions.",
"Introduces patient choice between paper and electronic documents."
],
"removed": [
""
],
"summary": "This bill amends standards for Minnesota uniform health care reimbursement documents under section 62J.581.",
"modified": [
"Updates specifications for electronic and paper formats of the uniform explanation of benefits document."
]
},
"citation": "62J.581",
"subdivision": ""
},
{
"analysis": {
"added": [
""
],
"removed": [
""
],
"summary": "Subdivision specifies compliance requirements for the uniform claim payment advice transaction.",
"modified": [
"Standardizes transaction to align with 62J.536, subdivision 1."
]
},
"citation": "62J.536",
"subdivision": "subdivision 1"
},
{
"analysis": {
"added": [
""
],
"removed": [
""
],
"summary": "This section provides exemptions for health plan companies from the requirements if they comply with section 62A.01, subdivisions 2 and 3.",
"modified": [
"Clarifies applicability exceptions for health plan companies."
]
},
"citation": "62A.01",
"subdivision": "subdivisions 2 and 3"
},
{
"analysis": {
"added": [
""
],
"removed": [
""
],
"summary": "The bill references federal regulations governing covered entities under United States Code title 42 sections 1320d to 1320d8.",
"modified": [
"Clarifies exemptions based on federal covered entity status."
]
},
"citation": "United States Code title 42 sections 1320d to 1320d8",
"subdivision": ""
}
]