IllinoisSB1392104th General Assembly (2025–2026)Senate

DENTAL INSURANCE ASSIGNABILITY

Sponsored By: Javier L. Cervantes (Democratic)

Signed by Governor

Summary

Amends the Illinois Insurance Code. Provides that no provision of the Illinois Insurance Code, or any other law, prohibits assignability rights to an insured under any policy of dental insurance (in addition to accident and health insurance). Provides that if an enrollee or insured of an insurer, health maintenance organization, managed care plan, health care plan, preferred provider organization, dental service plan corporation, dental insurer, or third party administrator assigns a claim to a health care professional, or health care facility, a dental care provider, or a dental care facility, then payment shall be made directly to the health care professional, or health care facility, dental care provider, or dental care facility, including any required interest. Effective immediately.

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Bill Overview

Analyzed Economic Effects

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

Dental patients can direct insurance payments

Beginning January 1, 2026, dental policyholders and other rights holders can assign some or all policy rights to someone else. Policy or related contract terms apply, and the assignment starts when its terms say. When patients assign dental claims to providers or facilities, insurers, covered plans, and claims administrators must pay them directly. These rules also cover dental service plans, health maintenance organizations, limited health service organizations, and health services plan corporations. Payments include legally required interest for claims unpaid 30 days after the insurer receives the required proof of loss. Insurers remain protected for payments made or individual policies issued before they receive notice of an assignment. The parties can correct duplicate payments.

Sponsors & Cosponsors

Sponsor

  • Javier L. Cervantes

    Democratic • Senate

Cosponsors

  • Amy L. Grant

    Republican • House

  • Dave Syverson

    Republican • Senate

  • Harry Benton

    Democratic • House

  • Jawaharial Williams

    Democratic • House

  • Li Arellano, Jr.

    Republican • Senate

  • Natalie A. Manley

    Democratic • House

  • Nicolle Grasse

    Democratic • House

  • Rick Ryan

    Democratic • House

  • Travis Weaver

    Republican • House

Roll Call Votes

All Roll Calls

Yes: 196 • No: 0

House vote • 5/21/2025

Third Reading - Short Debate - Passed

Yes: 110 • No: 0

House vote • 4/29/2025

Do Pass / Short Debate Insurance Committee;

Yes: 15 • No: 0

Senate vote • 4/4/2025

Third Reading - Passed;

Yes: 50 • No: 0

Senate vote • 4/2/2025

Senate Floor Amendment No. 1 Recommend Do Adopt Insurance;

Yes: 11 • No: 0

Senate vote • 2/19/2025

Do Pass Insurance;

Yes: 10 • No: 0

Actions Timeline

  1. Public Act . . . . . . . . . 104-0098

    8/1/2025Senate
  2. Effective Date January 1, 2026

    8/1/2025Senate
  3. Governor Approved

    8/1/2025Senate
  4. Sent to the Governor

    6/18/2025Senate
  5. Added Alternate Co-Sponsor Rep. Amy L. Grant

    5/29/2025House
  6. Passed Both Houses

    5/21/2025Senate
  7. Third Reading - Short Debate - Passed 110-000-000

    5/21/2025House
  8. Added Alternate Chief Co-Sponsor Rep. Harry Benton

    5/21/2025House
  9. Added Alternate Chief Co-Sponsor Rep. Nicolle Grasse

    5/21/2025House
  10. Placed on Calendar Order of 3rd Reading - Short Debate

    5/16/2025House
  11. Second Reading - Short Debate

    5/16/2025House
  12. Added Alternate Co-Sponsor Rep. Travis Weaver

    5/2/2025House
  13. Added as Co-Sponsor Sen. Dave Syverson

    5/1/2025Senate
  14. Added Alternate Co-Sponsor Rep. Natalie A. Manley

    5/1/2025House
  15. Added Alternate Co-Sponsor Rep. Jawaharial Williams

    5/1/2025House
  16. Placed on Calendar 2nd Reading - Short Debate

    4/30/2025House
  17. Do Pass / Short Debate Insurance Committee; 015-000-000

    4/29/2025House
  18. Assigned to Insurance Committee

    4/17/2025House
  19. Added as Co-Sponsor Sen. Li Arellano, Jr.

    4/14/2025Senate
  20. Referred to Rules Committee

    4/7/2025House
  21. First Reading

    4/7/2025House
  22. Chief House Sponsor Rep. Rick Ryan

    4/4/2025House
  23. Arrived in House

    4/4/2025House
  24. Third Reading - Passed; 050-000-000

    4/4/2025Senate
  25. Placed on Calendar Order of 3rd Reading

    4/3/2025Senate

Bill Text

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