Defines terms, describes how a health insurer shall define “medically necessary services and supplies” if it limits coverage to medically necessary care and states that no insurer shall penalize an insured or subject an insured to the out-of-network benefit levels offered under the insured’s approved health benefit plan, including an insured receiving an extended or standing referral unless contracting health care providers able to meet health needs of the insured are reasonably available to the insured without unreasonable delay, among other things.