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HB4464

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INS-DENTAL COVERAGE REIMBURSE

What this bill does

Amends the Illinois Insurance Code. Prohibits an insurer, dental service plan corporation, professional service corporation, insurance network leasing company, or any other company or its contracted vendor that amends, delivers, issues, or renews an individual or group policy of accident and health insurance on or after the effective date of the amendatory Act from requiring a dental care provider to only accept payment from a credit card or electronic funds transfer, in addition to the existing prohibition on incurred fees to access and obtain payment or reimbursement for services provided. Provides that any insurer, dental service plan corporation, professional service corporation, insurance network leasing company, or any other company or its contracted vendor that amends, delivers, issues, or renews an individual or group policy of accident and health insurance may initiate or change payment methodology to a dental care provider using electronic funds transfer payments, including virtual credit card payments, if the specified conditions are met. Sets forth provisions concerning claim payment methodologies and fees for transmitting payments. Provides that the specified dental coverage reimbursement provisions shall not be waived by contract. Effective January 1, 2027.

Sponsor: Jennifer Gong-Gershowitz Chamber: House Introduced: 2026-01-15
Stuck
P(Advance)
7.5%
Chance it ever reaches a milestone (committee, floor, etc.). Not “next step.”
P(Law)
0.0%
Chance it becomes law given where it is now (stage, momentum).
Confidence: 92%

Calculating prediction drivers...

Pipeline Progress

Current stage: Floor Vote · Last action 96 days ago · SLOW

How does a bill become law in Illinois?
  1. Introduction of Bill

    A member of the Senate or the House introduces a bill, which is assigned a unique identifying number (e.g., "H.B. ___" for House bills and "S.B. ___" for Senate bills). If not enacted, it must be reintroduced in the next General Assembly with a new number.

  2. Committee Work — Hearings

    The bill goes to the appropriate committee, which holds hearings to gather expert opinions and determine the need for the legislation.

  3. Committee Work — Markup, Amendments, Report

    The committee may make amendments to the bill. If approved, a committee report endorsing the bill is issued.

  4. Floor Debate

    The bill is debated and can be further amended. The debate transcripts are accessible online for public viewing.

  5. Passage and Consideration in Second Chamber

    If the bill passes in the first chamber, it moves to the second chamber for a similar review process. If both chambers approve, it goes to the governor.

  6. Gubernatorial Action

    The governor can sign the bill into law, veto it, or take no action (resulting in an automatic law after 60 days). The type of veto can be total or amendatory. Once signed, the bill becomes a Public Act and is assigned a Public Act number.

Sponsor Context

Witness slips

9 slips filed. Proponent / opponent / no position as filed with the committee.

Name Organization Representing Position Hearing committee Hearing date
David Schwartz Self Self Proponent Insurance 2026-02-17
Eric Larson Illinois State Dental Society Illinois State Dental Society Proponent Insurance 2026-02-17
James M. Morphew Sorling Northrup Illinois State Dental Society Proponent Insurance 2026-02-17
Joseph J. Schwietz CSC Illinois Dental Hygienists Association Proponent Insurance 2026-02-17
Kristen Bauer KBauer Consulting, Inc. Illinois State Dental Society Proponent Insurance 2026-02-17
Lindsay Wagahoff Illinois State Dental Society Illinois State Dental Society Proponent Insurance 2026-02-17
lynn chapman LMC & associates, Inc ISDS Proponent Insurance 2026-02-17
Matthew Slade N/A Self Proponent Insurance 2026-02-17
Susanne Hack Susanne Hack & Associates IL State Dental Society Proponent Insurance 2026-02-17

Roll-call votes

Total votes and outcome per event. Deciding vote = margin of 1; those voters on the winning side could have changed the outcome by flipping.

Date Chamber Type Description Yea Nay Present NV Outcome Margin Deciding voters
H Committee Insurance 16 0 0 1 Passed 16 —

Action History

6 actions recorded. Last action: 2026-02-18 — Placed on Calendar 2nd Reading - Short Debate. Each action's meaning and outcome signal are classified automatically.

2026-01-15 Introduction & Filing
Filed with the Clerk byRep. Jennifer Gong-Gershowitz House Rule 6(b)
Bill officially submitted to the House Clerk during the session.
2026-01-20 Introduction & Filing
First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38
Formal introduction — title read into the official record. Required procedural step; bill now exists in the system.
2026-01-20 Committee Assignment
Referred toRules Committee Senate Rule 3-8(a); House Rule 18(a)
Sent to a committee (usually Rules in the House, Assignments in the Senate). The gatekeeping step — Rules/Assignments decides which substantive committee hears the bill.
2026-02-11 Committee Assignment
Assigned toInsurance Committee Senate Rule 3-8(a); House Rule 18(b)
Sent to a substantive committee (e.g., Transportation, Revenue). This is where the bill gets a real hearing and evaluation.
2026-02-17 Committee Action Positive
Do Pass / Short DebateInsurance Committee; 016-000-000 Senate Rule 3-11(a)(1); House Rule 22(a)(1), 52(b)
Committee recommends passage and places it on the Short Debate calendar (limited floor discussion time). Strong positive signal — committee believes bill has broad support.
2026-02-18 Floor Process Positive
Placed on Calendar 2nd Reading - Short Debate Senate Rule 4-4(7-8)/5-2; House Rule 31(8-9)/38/52
Bill placed on the Second Reading calendar. Positive — bill is queued for floor action.

All actions (table)

Date Chamber Action Category Signal
2026-01-15 House Filed with the Clerk byRep. Jennifer Gong-Gershowitz House Rule 6(b) Introduction & Filing —
2026-01-20 House First Reading Senate Rule 5-1(d)/5-2; House Rule 37(d)/38 Introduction & Filing —
2026-01-20 House Referred toRules Committee Senate Rule 3-8(a); House Rule 18(a) Committee Assignment —
2026-02-11 House Assigned toInsurance Committee Senate Rule 3-8(a); House Rule 18(b) Committee Assignment —
2026-02-17 House Do Pass / Short DebateInsurance Committee; 016-000-000 Senate Rule 3-11(a)(1); House Rule 22(a)(1), 52(b) Committee Action Positive
2026-02-18 House Placed on Calendar 2nd Reading - Short Debate Senate Rule 4-4(7-8)/5-2; House Rule 31(8-9)/38/52 Floor Process Positive