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HB 2371

DENTAL INSURANCE ASSIGNABILITY

104th Regular Session Introduced by Dee Avelar and 30 co-sponsors

Illinois bill enabling patients and dental providers to assign insurance claim payments directly to dentists to reduce out-of-pocket costs at time of treatment.

Sent to the Governor
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Bill Summary · HB 2371

Legislative bill overview

HB 2371 addresses the assignability of dental insurance benefits in Illinois, allowing patients or providers to assign insurance claim payments directly to dental care providers. The bill modifies existing insurance law to clarify when and how dental insurance benefits can be transferred from patients to dentists for treatment payment purposes.

Why is this important

This bill affects how dental care is financed and accessed across Illinois. By enabling direct assignment of benefits, it could reduce out-of-pocket costs for patients at the point of service and improve cash flow for dental practices, potentially making dental care more accessible to lower-income residents who struggle with upfront costs.

Potential points of contention

  • Insurance industry concerns: Insurers may oppose expanded assignability provisions due to administrative complexity, potential fraud risks, or impacts on their billing and claims processing systems
  • Provider network effects: The change could disadvantage dentists outside insurance networks or create competitive imbalances between large and small practices with different administrative capabilities
  • Patient protection gaps: Without clear guardrails, direct benefit assignment could create confusion about patient financial responsibility, balance billing exposure, or disputes between patients and providers over claim amounts

Compiled from official sources — confirm details with the bill’s official record.

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