Health insurance plans; certificate requirement; contract with private review agent; reimbursement under policy where medical necessity in dispute

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  1. Every health insurance plan proposing to issue or deliver a health insurance policy or contract or administer a health benefit program which provides for the coverage of hospital and medical benefits and the utilization review of those benefits shall:
    1. Have a certificate in accordance with this chapter; or
    2. Contract with a private review agent who has a certificate in accordance with this chapter.
  2. Notwithstanding any other provisions of this chapter, for claims where the medical necessity of the provision of a covered benefit is disputed, a health service plan that does not meet the requirements of subsection (1) of this section shall pay any person or hospital entitled to reimbursement under the policy or contract.


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