1. United States
2. Texas
3. Letter

Dear Honorable Members of the Texas State Legislature, I urge you to introduce legislation increasing oversight of medical insurance companies and holding insurance physicians accountable for harmful claim denials. Patients denied necessary care often face serious consequences, yet current laws provide little recourse. To address this, I propose the following measures: • Require Justification for Denials: Mandate that insurers provide detailed, evidence-based explanations for every denial, ensuring transparency and accountability. • Independent Review Board: Establish a state-appointed panel to audit denials and identify harmful patterns. • Statutory Duty of Care: Define the responsibility of insurance physicians in claim reviews, creating a clear standard for negligence. • Limit Legal Immunity: Reduce protections that shield insurance physicians from malpractice claims when wrongful denials cause harm. • Streamline Litigation: Simplify legal pathways for patients to challenge negligent denials. By enacting these reforms, Texas can protect patients from unjust claim denials while promoting a fairer, more transparent system. I appreciate your leadership and urge you to consider these proposals in the upcoming session. Thank you for your time and commitment to improving healthcare in Texas.