HB 1481 — Relating to dental insurer rate requirements and reporting; and to provide an effective date.

25.1250.03000 Sixty-ninth Legislative Assembly of North Dakota FIRSTIn ENGROSSMENTRegular ENGROSSEDSession Commencing Tuesday, January 7, 2025 HOUSE BILL NO.

1481 Introduced(Representatives by Representatives Kasper, Dockter, Koppelman, Louser, Ostlie, D.

RubyRuby) Senators(Senators Bekkedahl, Cleary, Clemens, Hogan, Lee, PaulsonPaulson) AAN BILLACT for an Act to create and enact atwo new sectionsections to chapter 26.1-36.9 of the North Dakota Century Code, relating to dental insurer rate requirements;requirements and reporting;

The commissioner shallmay deem a proposed plan rate of a dental insurer to be excessive and disapprove the proposed plan rate if the dental insurer files a rate change and the:

Pageb. No.

1 25.1250.03000 Sixty-ninth Legislative Assembly b.

(b)H. Unpaid claim reserves;

B.

NO.

1481 - PAGE 2 (b) Unpaid claim reserves;

or Page(d) No.Amounts paid to providers for professional or administrative services that do not represent compensation or reimbursement for covered services provided to an enrollee, including dental record copying costs, attorney fees, subrogation vendor fees, and compensation to paraprofessionals, janitors, quality assurance analysts, administrative supervisors, secretaries to dental personnel, and dental record clerks.

2 25.1250.03000 Sixty-ninth Legislative Assembly (d) Amounts paid to providers for professional or administrative services that do not represent compensation or reimbursement for covered services provided to an enrollee, including dental record copying costs, attorney fees, subrogation vendor fees, and compensation to paraprofessionals, janitors, quality assurance analysts, administrative supervisors, secretaries to dental personnel, and dental record clerks.

A new section to chapter 26.1-36.9 of the North Dakota Century Code is created and enacted as follows:

Dental loss ratio transparency - Annual report to the commissioner.

1.

A dental insurer that issues, sells, renews, or offers a specialized dental health care service plan contract shall file a dental loss ratio report with the commissioner by April thirtieth of each year, in a manner prescribed by the commissioner.

H.

B.

NO.

1481 - PAGE 3 2.

The dental loss ratio report must include dental loss ratio information for the last calendar year for a dental benefit plan provided by a dental insurer and be organized by market and product type.

3.

The commissioner may request the dental insurer provide data verification of any information provided by the dental insurer in the dental loss ratio report.

The dental insurer shall provide data verification to the commissioner within thirty days of the request.

4.

The commissioner shall make the information provided in the dental loss ratio annual reports filed under this section available on the department's website, including the aggregate dental loss ratio, in a manner that allows the public to compare dental loss ratios among dental insurers by market type.

5.

For purposes of this section, "dental loss ratio" has the same meaning as in section 1 of this Act.

SECTION 3.

ThisSection 1 of this Act becomes effective on JanuaryJuly 1, 2027.

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3B. 25.1250.03000

NO.

1481 - PAGE 4 ____________________________ ____________________________ Speaker of the House President of the Senate ____________________________ ____________________________ Chief Clerk of the House Secretary of the Senate This certifies that the within bill originated in the House of Representatives of the Sixty-ninth Legislative Assembly of North Dakota and is known on the records of that body as House Bill No.

1481.

House Vote:

Yeas 88 Nays 3 Absent 3 Senate Vote:

Yeas 40 Nays 7 Absent 0 ____________________________ Chief Clerk of the House Received by the Governor at ________M.

on _____________________________________, 2025.

Approved at ________M.