MSNJ has long advocated for more meaningful explanation of benefits (EOBs) and description of appeal rights for patients. We believe that EOBs on out-of-network bills are purposefully misleading. We have also advocated that insurers be required to pay the fees they agree upon with out-of-network providers under "in-plan exceptions," instead of reverting to their fee schedules. The Department of Banking & Insurance responded with three rule amendments issued under Governor Christie's Executive Order 2 which requires that stakeholders and interested parties be given early notice and opportunity to provide in-put on rule proposals that will affect them. Read our comments suggesting improvements to EOBs, requiring payment for negotiated fees for in-plan exceptions, and requiring compliance with Independent Utilization Review Organization (IURO) determinations. We will keep member apprised of developments with the proposals.