This bill addresses two critical issues:

1. Virtual Credit Card Payments: It protects dentists from being forced to accept virtual credit card (VCC) payments, which result in a 1–1.5% reduction in fees due to processing costs. Dentists should have the right to choose their reimbursement method.

2. Assignment of Benefits (AOB): It ensures patients can use their dental benefits when receiving care from out-of-network providers. Insurers are penalizing patients for choosing their own providers — in some cases reducing their benefits to zero.

This is about fairness, transparency, and restoring real control to both patients and providers.