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Committee approves bill to reduce prior authorization burdens for qualifying providers

2487030 · March 4, 2025
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Summary

House Bill 423, with a committee substitute, was approved to require insurers to create a prior‑authorization exemption framework (often called "gold carding") for qualifying providers, aiming to speed patient access to care and reduce administrative delays.

Representative Kim Mosier, joined by Corey Meadows of the Kentucky Medical Association, presented House Bill 423 and a committee substitute to the Senate Banking and Insurance Committee. The measure would require health insurers to establish a framework—sometimes described as a “gold carding” or prior authorization exemption program—to exempt qualifying providers from prior authorization requirements.

“Prior authorization… is a burdensome process which requires health care providers to ask permission to basically treat a patient,” Mosier said, describing the process as costly and time intensive. She said the bill seeks to provide relief for patients and providers by creating a mechanism for eligible providers to be exempted from prior authorization requirements, cutting red tape and eliminating wait times for patients to receive care.

The committee adopted a committee substitute for the bill before voting. Corey Meadows, deputy executive vice president and director of advocacy for the Kentucky Medical Association, testified in favor and was recognized during the hearing. After committee discussion and the adoption of the substitute, Chair Carpenter announced that House Bill 423 with the committee substitute was approved and will move to the floor.

The transcript records that stakeholders and insurers worked on the text over roughly four years, and the sponsor described the substitute as agreed‑upon language among stakeholders. The committee recorded no further amendments on the floor during the recorded hearing.