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Bill

HB 1513

Refund of Overpayments Made by Patients

2025 Regular Session Introduced by Sam Greco and 2 co-sponsors

Florida bill requiring healthcare providers to refund patient overpayments within set timeframes, addressing billing errors and duplicate charges.

Laid on Table, companion bill(s) passed, see CS/CS/SB 1808 (Ch. 2025-48)
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Bill Summary · HB 1513

Legislative bill overview

HB 1513 requires healthcare providers and insurance companies to refund patient overpayments within a specified timeframe. The bill establishes procedures for identifying, tracking, and returning money when patients have paid more than they legally owe for medical services or insurance premiums.

Why is this important

Patients frequently overpay medical bills due to billing errors, duplicate charges, or insurance claim processing mistakes. Without clear refund requirements, consumers may struggle to recover these funds or face lengthy delays, effectively allowing providers to retain patient money indefinitely. This bill addresses a real consumer protection gap in Florida's healthcare system.

Potential points of contention

  • Timeline burden: Healthcare providers argue that mandated refund timelines increase administrative costs and may be impractical for identifying overpayments across complex billing systems
  • Defining overpayment: Disagreement over what constitutes an "overpayment" versus a legitimate balance dispute, particularly in cases involving insurance denials or coverage determinations
  • Small provider impact: Smaller medical practices and independent providers may lack sophisticated billing systems to efficiently track and process refunds compared to large health systems

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

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