IllinoisHB4464104th General Assembly (2025–2026)HouseWALLET

INS-DENTAL COVERAGE REIMBURSE

Sponsored By: Sponsor information unavailable

Became Law

Summary

Amends the Illinois Insurance Code. Prohibits an insurer, dental service plan corporation, professional service corporation, insurance network leasing company, or any other company or its contracted vendor that amends, delivers, issues, or renews an individual or group policy of accident and health insurance on or after the effective date of the amendatory Act from requiring a dental care provider to only accept payment from a credit card or electronic funds transfer, in addition to the existing prohibition on incurred fees to access and obtain payment or reimbursement for services provided. Provides that any insurer, dental service plan corporation, professional service corporation, insurance network leasing company, or any other company or its contracted vendor that amends, delivers, issues, or renews an individual or group policy of accident and health insurance may initiate or change payment methodology to a dental care provider using electronic funds transfer payments, including virtual credit card payments, if the specified conditions are met. Sets forth provisions concerning claim payment methodologies and fees for transmitting payments. Provides that the specified dental coverage reimbursement provisions shall not be waived by contract. Effective January 1, 2027.

insuranceassignments

Personalized for You

How does this bill affect your finances?

Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.

Bill Overview

Analyzed Economic Effects

3 provisions identified: 2 benefits, 0 costs, 1 mixed.

Dentists get full pay and choice

Beginning January 1, 2027, insurers and dental plans must pay dentists 100% of the contracted amount for covered services. They cannot require dentists to take only credit card or electronic transfer payments. They cannot charge a fee to access or receive payment. This applies to individual and group health policies amended, delivered, issued, or renewed on or after that date.

Dentists must clearly consent to payment changes

Beginning January 1, 2027, a plan may switch a dentist to electronic or virtual card payments only after three steps. The plan must tell the dentist about any fees. It must list all payment options and show how to pick a fee-free option. The dentist or a designee must give clear written consent (including a valid e-signature or checked box). If consent is not valid, the change is canceled until a new signed agreement is made. The chosen payment method stays in place until the dentist picks a new one or signs a new contract. Contracts cannot waive these rights.

Limits on bank transfer fees for dentists

Beginning January 1, 2027, insurers and their vendors cannot charge a fee just to send a bank transfer (ACH) unless the dentist agrees. A dentist’s agent may charge reasonable fees for transaction management, data management, portal services, and other value-added services. Independent third-party vendors outside the plan’s control may still charge their own fees. Insurers and vendors must follow parts (d) and (e) of Section 355.6 and follow federal ACH standards.

Sponsors & Cosponsors

Sponsors

There is no primary sponsor on record.

Cosponsors

  • Jennifer Gong-Gershowitz

    Affiliation unavailable

  • Julie A. Morrison

    Affiliation unavailable

  • Lakesia Collins

    Affiliation unavailable

  • Tracy Katz Muhl

    Affiliation unavailable

Roll Call Votes

All Roll Calls

Yes: 195 • No: 0

Senate vote 5/14/2026

Third Reading - Passed;

Yes: 55 • No: 0

House vote 4/14/2026

Third Reading - Short Debate - Passed

Yes: 109 • No: 0

House vote 4/8/2026

House Floor Amendment No. 1 Recommends Be Adopted Insurance Committee;

Yes: 15 • No: 0

House vote 2/17/2026

Do Pass / Short Debate Insurance Committee;

Yes: 16 • No: 0

Actions Timeline

  1. Public Act . . . . . . . . . 104-0491

    6/26/2026House
  2. Effective Date January 1, 2027

    6/26/2026House
  3. Governor Approved

    6/26/2026House
  4. Sent to the Governor

    6/12/2026House
  5. Passed Both Houses

    5/14/2026House
  6. Added as Alternate Co-Sponsor Sen. Lakesia Collins

    5/14/2026Senate
  7. Third Reading - Passed; 055-000-000

    5/14/2026Senate
  8. Placed on Calendar Order of 3rd Reading May 5, 2026

    4/30/2026Senate
  9. Second Reading

    4/30/2026Senate
  10. Placed on Calendar Order of 2nd Reading April 29, 2026

    4/28/2026Senate
  11. Approved for Consideration Assignments

    4/28/2026Senate
  12. Referred to Assignments

    4/15/2026Senate
  13. First Reading

    4/15/2026Senate
  14. Chief Senate Sponsor Sen. Julie A. Morrison

    4/15/2026Senate
  15. Placed on Calendar Order of First Reading

    4/15/2026Senate
  16. Arrive in Senate

    4/15/2026Senate
  17. Third Reading - Short Debate - Passed 109-000-000

    4/14/2026House
  18. Placed on Calendar Order of 3rd Reading - Short Debate

    4/14/2026House
  19. House Floor Amendment No. 1 Adopted

    4/14/2026House
  20. Held on Calendar Order of Second Reading - Short Debate

    4/10/2026House
  21. Second Reading - Short Debate

    4/10/2026House
  22. House Floor Amendment No. 1 Recommends Be Adopted Insurance Committee; 015-000-000

    4/8/2026House
  23. Added Chief Co-Sponsor Rep. Tracy Katz Muhl

    4/8/2026House
  24. House Floor Amendment No. 1 Rules Refers to Insurance Committee

    4/7/2026House
  25. House Floor Amendment No. 1 Referred to Rules Committee

    4/1/2026House

Bill Text

Related Bills

Back to State Legislation