{"data":{"id":"us-in/ic-27-8-11-4.5","jurisdiction":"us-in","citation":"IC 27-8-11-4.5","heading":"Permitted disclosures by providers; coverage of benefit or service; payment of provider; application","body":"Sec. 4.5. (a) An agreement between an insurer and provider under section 3 of this chapter may not prohibit a provider from disclosing:\n(1) financial incentives to the provider;\n(2) all treatment options available to an insured, including those not covered by the insured's policy.\n(b) An insurer may not penalize a provider financially or in any other manner for making a disclosure permitted under subsection (a).\n(c) An insured is not entitled to coverage of a benefit or service under a health insurance policy unless that benefit or service is included in the insured's health insurance policy.\n(d) A provider is not entitled to payment under a policy for benefits or services provided to an insured unless the provider has a contract or an agreement with the insurer.\n(e) This section applies to a contract entered, renewed, or modified after June 30, 1996.","path":["TITLE 27. INSURANCE","ARTICLE 8. LIFE, ACCIDENT, AND HEALTH","Chapter 11. Accident and Sickness Insurance─Reimbursement Agreements"],"source_url":"https://iga.in.gov/ic/2026/Title_27.html#27-8-11-4.5","current_through":"2026","vintage":"2026","retrieved_at":"2026-09-25T05:39:04Z","sha256":"7414a6c01e82dd3b452af370281fe14bcf375f39b752d20cf3def49801218e4c","source_id":"us-in","stale":false,"prev":"us-in/ic-27-8-11-4","next":"us-in/ic-27-8-11-5"},"notice":"GroundRules: Original legal text. Not legal advice."}