SF3297

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 bill allows health insurers in Minnesota to provide their explanation of benefits (EOB) documents electronically, giving patients the option to receive these documents either in paper form, electronically, or both. This is an update to current health documentation processes, aiming to modernize and streamline communication between healthcare providers, insurers, and patients.

Main Provisions

Electronic EOB Option: Insurers can offer EOBs electronically, but must also offer the option of paper documents.
Patient Choice: Insurers must provide clear instructions to patients on how they can choose their preferred method of receiving EOBs.
Default to Paper: If a patient does not specify their preference, they will receive the paper version by default.
Data Uniformity: Both paper and electronic EOBs must contain the same data elements and definitions to ensure consistency.

Significant Changes to Existing Law

Introduces the legal ability for EOBs to be provided electronically, where it was predominantly paper-based under previous laws.
Establishes a requirement for insurers to facilitate patient choice in document format, thereby potentially reducing reliance on paper documents.

Relevant Terms

Electronic EOB, explanation of benefits, health insurers, paper and electronic documents, patient communication, healthcare documentation.

Bill text versions

Introduction PDF file
Introduction PDF file

Actions

Date	Chamber	Where	Type	Name	Committee Name
April 06, 2025	Senate	Floor	Action	Introduction and first reading
April 06, 2025	Senate	Floor	Action	Referred to	Health and Human Services

Citations

[
  {
    "analysis": {
      "added": [
        "Electronic equivalent of explanation of benefits document."
      ],
      "removed": [
        ""
      ],
      "summary": "This bill modifies the definition of a uniform explanation of benefits document under section 62J.51, subdivision 19a.",
      "modified": [
        "Includes electronic equivalents under the definition."
      ]
    },
    "citation": "62J.51",
    "subdivision": "subdivision 19a"
  },
  {
    "analysis": {
      "added": [
        "Electronic access for explanation of benefits documents."
      ],
      "removed": [
        "Excludes application to certain group purchasers under federal law."
      ],
      "summary": "This bill amends the standards for Minnesota uniform health care reimbursement documents under section 62J.581.",
      "modified": [
        "Specifies format and accessibility options for electronic documents."
      ]
    },
    "citation": "62J.581",
    "subdivision": ""
  },
  {
    "analysis": {
      "added": [
        ""
      ],
      "removed": [
        ""
      ],
      "summary": "Referenced in specifying compliance in uniform claim payment advice transaction under section 62J.581.",
      "modified": [
        ""
      ]
    },
    "citation": "62J.536",
    "subdivision": "subdivision 1"
  },
  {
    "analysis": {
      "added": [
        ""
      ],
      "removed": [
        ""
      ],
      "summary": "Referenced for health plan company exclusions from uniform document requirements under section 62J.581.",
      "modified": [
        ""
      ]
    },
    "citation": "62A.01",
    "subdivision": "subdivisions 2 and 3"
  }
]