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HB4464 • 2026
INS-DENTAL COVERAGE REIMBURSE
This bill passed the Legislature and reached final enactment based on the latest official action.
Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.
INS-DENTAL COVERAGE REIMBURSE
These notes stay tied to the official amendment files and metadata from the legislature.
Plain English: Illinois General Assembly - Full Text of HB4464 Select Language × The Illinois General Assembly offers the Google Translate™ service for visitor convenience.
Governor Approved
Effective Date January 1, 2027
Public Act . . . . . . . . . 104-0491
Sent to the Governor
Third Reading - Passed; 055-000-000
Added as Alternate Co-Sponsor Sen. Lakesia Collins
Passed Both Houses
Second Reading
Placed on Calendar Order of 3rd Reading May 5, 2026
Approved for Consideration Assignments
Placed on Calendar Order of 2nd Reading April 29, 2026
Arrive in Senate
Placed on Calendar Order of First Reading
Chief Senate Sponsor Sen. Julie A. Morrison
First Reading
Referred to Assignments
House Floor Amendment No. 1 Adopted
Placed on Calendar Order of 3rd Reading - Short Debate
Third Reading - Short Debate - Passed 109-000-000
Second Reading - Short Debate
Held on Calendar Order of Second Reading - Short Debate
Added Chief Co-Sponsor Rep. Tracy Katz Muhl
House Floor Amendment No. 1 Recommends Be Adopted Insurance Committee ; 015-000-000
House Floor Amendment No. 1 Rules Refers to Insurance Committee
House Floor Amendment No. 1 Filed with Clerk by Rep. Jennifer Gong-Gershowitz
House Floor Amendment No. 1 Referred to Rules Committee
Placed on Calendar 2nd Reading - Short Debate
Do Pass / Short Debate Insurance Committee ; 016-000-000
Assigned to Insurance Committee
First Reading
Referred to Rules Committee
Filed with the Clerk by Rep. Jennifer Gong-Gershowitz
INS-DENTAL COVERAGE REIMBURSE
Illinois General Assembly - Full Text of HB4464 Select Language × The Illinois General Assembly offers the Google Translate™ service for visitor convenience. In no way should it be considered accurate as to the translation of any content herein. Visitors of the Illinois General Assembly website are encouraged to use other translation services available on the internet. The English language version is always the official and authoritative version of this website. NOTE: To return to the original English language version, select the "Show Original" button on the Google Translate™ menu bar at the top of the window. 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Full Text of HB4464 Home Legislation Full Text HB4464 - 104th General Assembly Bill Status Full Text Votes Witness Slips Select Menu Bill Status Full Text Votes Witness Slips Printer Friendly Version Introduced Engrossed Enrolled House Amendment 001 Public Act Printer Friendly Version Introduced Engrossed Enrolled House Amendment 001 Public Act Open PDF HB4464 Enrolled LRB104 16881 BAB 30291 b 1 AN ACT concerning regulation. 2 Be it enacted by the People of the State of Illinois, 3 represented in the General Assembly: 4 Section 5. The Illinois Insurance Code is amended by 5 changing Section 355.5 as follows: 6 (215 ILCS 5/355.5) 7 Sec. 355.5. Dental coverage reimbursement; prohibitions. 8 (a) No insurer, dental service plan corporation, 9 professional service corporation, insurance network leasing 10 company, or any other company or its contracted vendor that 11 amends, delivers, issues, or renews an individual or group 12 policy of accident and health insurance on or after the 13 effective date of this amendatory Act of the 104th General 14 Assembly the effective date of this amendatory Act of the 15 103rd General Assembly shall require a dental care provider to 16 only accept payment from a credit card or electronic funds 17 transfer or to incur a fee to access and obtain payment or 18 reimbursement for services provided. 19 (b) Any insurer, dental service plan corporation, 20 professional service corporation, insurance network leasing 21 company, or any other company or its contracted vendor that 22 amends, delivers, issues, or renews an individual or group 23 policy of accident and health insurance A dental plan carrier HB4464 Enrolled - 2 - LRB104 16881 BAB 30291 b 1 shall provide a dental care provider with 100% of the 2 contracted amount of the payment or reimbursement. 3 (c) In this subsection, "express acceptance" means a clear 4 and direct agreement to the terms of payment method, 5 communicated explicitly by the dental plan to the dental care 6 provider, in writing, signifying acceptance of the payment 7 method without any ambiguity or implied actions. Any insurer, 8 dental service plan corporation, professional service 9 corporation, insurance network leasing company, or any other 10 company or its contracted vendor that amends, delivers, 11 issues, or renews an individual or group policy of accident 12 and health insurance may initiate or change payment 13 methodology to a dental care provider using electronic funds 14 transfer payments, including virtual credit card payments, if: 15 (1) the dental care provider is notified of any fees 16 associated with a particular payment method; 17 (2) the insurer, dental service plan corporation, 18 professional service corporation, insurance network 19 leasing company, or other company or its contracted vendor 20 advises the dental care provider of the available methods 21 of payment and provides clear instructions to the dentist 22 as to how to select an alternative payment method that 23 does not impose fees or similar charges on the provider; 24 and 25 (3) the dental care provider or a designee of the 26 provider elects, through express acceptance, to accept a HB4464 Enrolled - 3 - LRB104 16881 BAB 30291 b 1 payment of the claim using the credit card or electronic 2 funds transfer payment method. A dental care provider's 3 express acceptance may be given by an electronic or 4 digital signature if the form of the signature is 5 recognized as a valid signature under applicable federal 6 or State law, including, but not limited to, checking a 7 box indicating affirmative consent. Violation of express 8 acceptance nullifies an election on claim payment 9 methodology until the express agreement is executed. 10 (d) A dental care provider's selected form of claim 11 payment methodology remains effective until the dental care 12 provider chooses an alternative method of payment or a new 13 contract is executed. 14 (e) The insurer, dental service plan corporation, 15 professional service corporation, insurance network leasing 16 company, or other company or its contracted vendor shall 17 comply with subsections (d) and (e) of Section 355.6. 18 (f) A dental benefit plan or its contracted vendor or 19 health maintenance organization that initiates or changes 20 payments to a dentist through the Automated Clearing House 21 Network in accordance with 45 CFR 162.1601 and 45 CFR 162.1602 22 shall not charge a fee solely to transmit the payment to the 23 dental care provider unless the dental care provider has 24 consented to the fee. A dental care provider agent may charge 25 reasonable fees when transmitting an Automated Clearing House 26 Network payment related to transaction management, data HB4464 Enrolled - 4 - LRB104 16881 BAB 30291 b 1 management, portal services, and other value-added services, 2 in addition to bank transmittal. 3 (g) The requirements of this Section shall not be waived 4 by contract, and any contractual clause in conflict with the 5 requirements of this Section or that purports to waive any 6 requirements of this Section is void. Fees incurred directly 7 by a dental care provider from third parties related to 8 transmitting an automated clearing house network claim, 9 transaction management, data management, or portal services 10 and other fees charged by third parties that are not in the 11 control of the dental plan carrier shall not be prohibited by 12 this Section. 13 (Source: P.A. 103-24, eff. 1-1-24 .) 14 Section 99. Effective date. This Act takes effect January 15 1, 2027. 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