SB 1392 – Tennessee

Status: Enacted
Year Introduced: 2024

This bill modifies the Tennessee Right to Shop Act, making several amendments related to health and medical insurance. It first clarifies the definitions of “Emergency medical service” and “Healthcare service,” the latter including prescription drugs or devices but not emergency medical services. Next, the bill reduces the maximum time limit from one year to thirty days for certain undefined provisions. Furthermore, it permits enrollees to pay out-of-pocket to out-of-network healthcare providers if they negotiate a lower cost. They can send the payment information to their insurance carrier, who then must account the full amount the enrollee paid towards the enrollee’s deductible or other cost-sharing amount, provided the healthcare service is included in the enrollee’s health plan and that the enrollee negotiated a lower cost than typically paid by the carrier for similar services. Additionally, any monetary limit on incentives outlined in a separate section will not apply to the newly amended section dealing with out-of-pocket expenses. The bill also amends language so that carriers may provide incentives in addition to the requirements of the newly amended section.

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