House · Introduced · 2025-2026 Regular Session
HB 1354: Surprise Billing Consumer Protection Act; require certain health insurers providing a network plan to approve credentialing applications within a certain time frame
Last action February 25, 2026 · House Committee Favorably Reported By Substitute
A Georgia House bill would require health insurers to approve complete provider credentialing applications within 45 days and to adopt a standardized credentialing form by mid-2027.
The summaries below were written by an AI model (claude-sonnet-5) from the text of the bill and are not part of it. Quote the text, not the summary. The stored text is the Comm Sub version, the latest the General Assembly's website lists.
In plain language
Currently there is no statewide deadline in Georgia law for how quickly health insurers must process a healthcare provider's paperwork to join their network, a process called credentialing. This bill fills that gap in Georgia's insurance code (O.C.G.A. § 33-24-37) by requiring every health insurer to approve a complete credentialing application within 45 days of receiving it, as long as it follows rules set by the Department of Insurance. The bill also directs the Department of Insurance and the Department of Community Health to work with stakeholders to build one standardized credentialing application, possibly linked to the system the state Medicaid program already uses to verify providers. Insurers would have to start using that standardized form by July 1, 2027, and the Department of Insurance must issue implementing rules by January 1, 2027. The overall law would take effect July 1, 2026.
What the bill does
- Sets a 45 day deadline for health insurers to approve a complete credentialing application from a healthcare provider once all required documents are submitted.
- Defines 'complete credentialing application' and 'credentialing' in Georgia insurance law for the first time in this section.
- Directs the Department of Insurance and the Department of Community Health to jointly develop one standardized credentialing application, possibly tied into the state Medicaid verification system.
- Requires all health insurers to switch to using that standardized application no later than July 1, 2027.
- Requires the Department of Insurance to write rules implementing the new law by January 1, 2027.
Who it affects
Health insurers that offer network health plans in Georgia, healthcare providers such as doctors and other practitioners applying to join insurance networks, the Department of Insurance, and the Department of Community Health, which must jointly build the standardized application.
Why it matters
Providers currently can face long, unpredictable waits before insurers approve them to join a network, which can delay patients' access to in-network care. A firm 45 day deadline and a single standard application could speed up how quickly new providers start seeing insured patients.
Key provisions
- Section 1 rewrites O.C.G.A. § 33-24-37 to define 'complete credentialing application' and 'credentialing.'
- Subsection (b) requires health insurers to approve complete credentialing applications within 45 days of receipt if submitted under department rules.
- Subsection (c) requires the Department of Insurance and Department of Community Health to coordinate with stakeholders to create a standardized credentialing application, possibly linked to the state Medicaid credentialing system.
- Subsection (d) requires all health insurers to use the standardized application by July 1, 2027.
- Subsection (e) requires the Department of Insurance to issue implementing rules and regulations by January 1, 2027.
- Section 2 sets the Act's effective date as July 1, 2026.
From the bill
“Every health insurer shall approve complete credentialing applications from healthcare providers within 45 days of receipt of any such application if submitted in accordance with the rules and regulations promulgated by the department.”
“No later than July 1, 2027, every health insurer shall utilize the standardized credentialing application established pursuant to subsection (c) of this Code section.”
Discussed in meetings (7)
The House and Senate meetings that took this bill up, from their machine transcripts. Each account was written by Georgia Commons with AI and is not part of the record; the video is what was said.
House Budget and Fiscal Affairs Oversight Committee, February 24, 2026
From 1:16:59 · Watch on the General Assembly's Vimeo channel
Summary by Georgia Commons: The sponsor said HB 1354 would require health insurers offering network plans to approve credentialing applications within 45 days for medical providers already credentialed for Georgia Medicaid. The sponsor said providers reported delays lasting months, interfering with patient care and reimbursement, and argued that the change could help recruit doctors and encourage Medicaid participation. Asked whether the state health benefit plan would be covered, the sponsor said it would. Another member asked whether the network-plan language covered all plans. The sponsor said that was the intent but promised clarification before the next morning. Asked why applications were delayed, the sponsor described repeated collection of similar education, residency and practice information across different insurers and advocated a standardized process. The chair invited audience comments, but none appear in the transcript. No amendment or vote occurred. The chair discussed a possible vote at a meeting planned for the following morning. The transcript ends as a member begins another question.
House Budget and Fiscal Affairs Oversight Committee, February 25, 2026
From 0:15:22 · Watch on the General Assembly's Vimeo channel
Summary by Georgia Commons: The sponsor presented substitute LC521060S for HB 1354, saying lengthy insurer credentialing processes delay patient care and too few providers serve Medicaid patients. The sponsor said the substitute would require the Department of Community Health and Department of Insurance to develop a standardized credentialing process for Medicaid and private health plans. The sponsor described a July 1 effective date, a January 1 deadline for rules, and full operation by July 1, 2027. A committee member asked whether the goal was more Medicaid providers and whether social workers were included. The sponsor said participation would remain voluntary and Medicaid credentialing would provide access to expedited private-plan credentialing. The sponsor described eligibility broadly, giving examples including dentists, cardiovascular doctors, primary care doctors and pediatricians, but did not specifically address social workers. The sponsor said some areas lack providers eligible to serve aged, blind and disabled Medicaid patients. The chair supported streamlining and described complaints about licensing delays, including experienced providers unable to work since November. The sponsor distinguished education, state licensing and credentialing for payment as separate steps. The committee approved the bill by voice vote after a do-pass motion. No vote count was stated.
House Rules Committee, March 3, 2026
From 0:32:28 · Watch on the General Assembly's Vimeo channel
Summary by Georgia Commons: The sponsor said HB 1354 would establish a uniform credentialing process across Medicaid and private health plans, allowing providers who apply through Medicaid to receive expedited credentialing with private insurers. The sponsor said providers had reported lengthy, repetitive applications that delay their ability to receive payment and serve patients. The sponsor argued that the change would reduce administrative burdens and encourage more providers to accept Medicaid patients. A committee member asked whether the proposal would address low payment rates, which the member identified as a reason providers do not participate in Medicaid. The sponsor said the bill would not change reimbursement rates but would help more providers become eligible to serve Medicaid patients. No vote was recorded.
House Rules Committee, March 6, 2026
From 0:09:03 · Watch on the General Assembly's Vimeo channel · Confirmed by the 2026 House Journal, p. 2325
Summary by Georgia Commons: A motion to place HB 1354 on the supplemental calendar received a second. The chair asked for objections and announced that the bill was added without objection. No discussion of its contents occurred.
Status timeline
- House Committee Favorably Reported By Substitute (House)
- House Second Readers (House)
- House First Readers (House)
- House Hopper (House)
Sponsors
- Trey Kelley (R, HD-16)
- Matt Hatchett (R, HD-155)
- Mark Newton (R, HD-127)
Topics
- health insurance
- medical licensing
- provider credentialing
- surprise billing
- insurance regulation