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Connecticut law lets dentists refuse virtual credit cards

June 29, 2018

By Jennifer Garvin

Hartford, Conn. — A new law allows dentists to refuse insurers' virtual credit card claims payment methodology.  

Connecticut HB 5206, which Gov. Dannel P. Malloy signed June 13, goes into effect Oct. 1. The bill is a state act introduced by the Joint Insurance and Real Estate Committee that, among other things, authorizes the state insurance commissioner to adopt regulations concerning electronic filings. Connecticut defines virtual credit cards as "single-use credit cards exclusively provided in electronic or digital formats."

The bill states that "each insurer, health care center, fraternal benefit society, hospital service corporation, medical service corporation or other entity that delivers, issues for delivery, renews, amends or continues an individual or group health insurance policy in this state that provides coverage — including dental services — must allow dentists to refuse to accept reimbursement for such services by way of a virtual credit card."

The Connecticut State Dental Association, which advocated for HB 5206, said it is "pleased" with the new law since virtual credit card reimbursement is problematic for many dental offices.

"This form of reimbursement requires an additional 2-4 percent loss of revenue due to the credit card processing fees," said Dr. David Fried, CSDA president. "With the rising costs of business expenses and the decrease in insurance reimbursement rates, dentists can no longer accept unnecessary additional loss of revenues."

Read the bill here. Follow all of the ADA's advocacy efforts at For more information on the ADA's principles for model legislation, which state dental societies can use in their legislative efforts, visit