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Wisconsin Legislature: AB351: Bill Text
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AB351: Bill Text
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2025 - 2026 LEGISLATURE
LRB-2067/1
KMS:cdc
2025 ASSEMBLY BILL 351
July 8, 2025 - Introduced by Representatives
Moses
,
VanderMeer
,
Armstrong
,
Brooks
,
Dittrich
,
Murphy
,
Mursau
,
O'Connor
and
Penterman
, cosponsored by Senators
Cabral-Guevara
,
Feyen
,
Larson
,
Nass
and
Wall
. Referred to Committee on Insurance.
AB351,1,2
1
An Act
to create
632.872 of the statutes;
relating to:
virtual credit card
2
payments in health insurance policies.
Analysis by the Legislative Reference Bureau
Under this bill, an insurer that offers a health insurance policy may not require a health care provider to accept payments under the health insurance policy via virtual credit card payment. The bill requires an insurer to inform a health care provider of the fees associated with any available payment methods and how to select a payment method other than virtual credit card payments before providing a payment via virtual credit card payment. The bill defines “virtual credit card payment” as an electronic funds transfer in which an insurer issues a single-use series of numbers that are associated with a payment, are chargeable to a predetermined dollar amount, and expire upon payment processing.
Additionally, under the bill, if an insurer transmits a payment to a health care provider in accordance with certain federal standards for transmitting electronic funds, the insurer may not charge a fee solely for the transmission, unless the provider has consented to the fee.
Health insurance policies are referred to in the bill as disability insurance policies.
The people of the state of Wisconsin, represented in senate and assembly, do enact as follows:
AB351,1
1
Section
1
.
632.872 of the statutes is created to read:
AB351,2,3
2
632.872
Restrictions relating to virtual credit card payments for
3
disability insurance policies.
(1)
Definitions.
In this section:
AB351,2,4
4
(a) “Disability insurance policy” has the meaning given in s. 632.895 (1) (a).
AB351,2,5
5
(b) “Health care provider” has the meaning given in s. 146.81 (1).
AB351,2,13
6
(c) “Virtual credit card payment” means an electronic funds transfer in which
7
an insurer, or a contracted vendor, issues a single-use series of numbers associated
8
with payment for services performed by a health care provider and chargeable to a
9
predetermined dollar amount, in which the health care provider is responsible for
10
processing the payment through a credit card terminal or internet portal, and in
11
which the single-use series of numbers expires upon payment processing. “Virtual
12
credit card payment” does not include a payment in which a physical credit card is
13
used.
AB351,2,16
14
(2)
Method of payment.
(a) An insurer offering a disability insurance policy
15
may not require a health care provider to accept payments under the disability
16
insurance policy by virtual credit card payment.
AB351,2,20
17
(b) Beginning on the effective date of this paragraph .... [LRB inserts date], an
18
insurer offering a disability insurance policy shall do all of the following before the
19
first time the insurer provides a payment to a health care provider under the
20
disability insurance policy via a virtual credit card payment:
AB351,2,22
21
1. Notify the health care provider of any fees associated with each payment
22
method option available.
AB351,3,2
23
2. Inform the health care provider of the payment method options available
1
and provide clear instructions to the health care provider for selecting a payment
2
method other than virtual credit card payment.
AB351,3,7
3
(c) An insurer, or a contracted vendor, that transmits a payment to a health
4
care provider under a disability insurance policy in accordance with the standards
5
under
45 CFR 162.1602
may not charge a fee solely for the transmission of the
6
payment to the health care provider unless the health care provider has consented
7
to payment of the fee.
AB351,3,9
8
(3)
Waiver prohibited.
The requirements under sub. (2) may not be waived.
9
Any provision of a contract contrary to sub. (2) is void and unenforceable.
AB351,2
10
Section
2
. Initial applicability.
AB351,3,12
11
(
1
)
The treatment of s. 632.872 (3) first applies to a contract that is entered
12
into, renewed, or modified on the effective date of this subsection.
AB351,3,13
13
(end)
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