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Read. Follow. Verify.Pennsylvania House Bill 392 Requires Insurers to Provide Written Notice and Fraud Disclosures When Reimbursing Policyholders Directly for Out-of-Network EMS Claims
Last action · January 28, 2025: Referred to INSURANCE, Jan. 28, 2025Sponsors: GROVE and 4 others
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What This Bill Would Do
Pennsylvania insurers must now include specific written notifications, itemized claim details, and an insurance fraud disclosure warning whenever they send out-of-network emergency medical service reimbursement payments directly to s, effective 60 days after enactment.
s who receive direct insurance payouts for out-of-network emergency medical care must use the funds solely to pay the ambulance provider or risk facing an insurance fraud investigation.
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
insurance policyholders
Policyholders receiving direct reimbursements for out-of-network emergency medical services must receive written disclosures and face fraud liability if funds are not used to pay the EMS provider.
nonnetwork EMS agencies
Out-of-network emergency medical service agencies receive monthly notifications when insurers issue direct payments to policyholders for their services.
insurers
Insurers must modify their direct-to-policyholder reimbursement communications to include itemized claim data, specific fraud warnings, and monthly notices to out-of-network EMS providers.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
What happens if a policyholder uses an out-of-network EMS reimbursement check for something other than paying the ambulance bill?
Are ambulance providers notified when a policyholder is paid directly?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
1 action- Jan 28, 2025HouseCommitteeReferred to INSURANCE, Jan. 28, 2025
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Connected Entities
Sources
www.palegis.us
Analysis Score
0–100- Significance45How much this matters to a regular citizen
- Controversy10Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz15Current news / social attention level
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