Transcript Highlights:

• I always share that we never practiced medicine. I practiced nursing.
• I support their ability to practice where they can practice.
• Those practices.
• To a family practice doctor, the family practice doctor is, I mean, used to family practice—whatever
• Family practice, you know, by themselves in a solo practice.

Bills: HB35, HB4490, HB4454, HB2188, HB3078, HB4743, HB2556, HB46, HB5342, HB4783, HB3785, HB5278, HB1639, HB2581, HB4224, HB4070, HB4099, HB4882, HB3794, HB46

Keywords: peer support, first responders, mental health, confidentiality, emergency services, disclosure, next of kin, public information, deceased persons, privacy rights, patient solicitation, marketing practices, healthcare regulation, task force, deceptive advertising, nurse aide, certification, Texas Board of Nursing, healthcare workforce, nursing standards

Transcript Highlights:

• In practice for...
• I've been practicing this for over 30 years in private practice.
• we don't want to practice this, and we're not here to practice medicine.
• practicing in rural areas.
• I promise you, from all practical standpoints, it's buying the practice.

Bills: HB46, HB35, HB4490, HB4454, HB2188, HB3078, HB4743, HB2556, HB46, HB5342, HB4783, HB3785, HB5278, HB1639, HB2581, HB4224, HB4070, HB4099, HB4882, HB3794

Keywords: local government spending cap, expenditure limit, political subdivision, property tax, ad valorem tax, budget cap, taxpayer protection, spending restraint, inflation adjustment, population growth, voter approval, supermajority vote, county budget, municipal budget, school district finance, junior college district, hospital district, special district, attorney general enforcement, local fiscal limits

Transcript Highlights:

• Unless a board has local funds, practically speaking, there's just not a... ...a lot of flexibility in
• So it's a horrible practice that we're witnessing. It's shocking to our conscience.
• HB3191 is... a practical pro-business approach to a real economic issue and challenge.
• I've been. practicing law in Fort Worth for the last 40 years.
• The implied warranties under the Deceptive Trade Practices Act have all been disclaimed.

Bills: HB74, HB175, HB460, HB576, HB2271, HB2294, HB2874, HB3016, HB3133, HB3191, HB3458, HB3929, HB4063, HB4115, HB4394, HB74, HB175

Keywords: Puerto Verde, Port Authority, eminent domain, bonds, tax assessments, economic development, infrastructure, transportation, public welfare, child care, certifications, Texas Rising Star Program, grant program, disability inclusion, family income, affordability, economic impact, state study, cost analysis, government support

Transcript Highlights:

• Although this sounds straightforward. practice.
• This confusion arises due to a historic practice that we see on the ground where the log is applied as
• House Bill 43. 94 simply says that our elected county attorneys, who usually handle deceptive trade practice
• responsive to what's going on locally and make sure that our people are protected from predatory practices
• serve as a prosecutor, and one of my duties and jobs as a prosecutor is to handle deceptive business practice

Bills: HB74, HB175, HB460, HB576, HB2271, HB2294, HB2874, HB3016, HB3133, HB3191, HB3458, HB3929, HB4063, HB4115, HB4394, HB74, HB175

Keywords: Puerto Verde, Port Authority, eminent domain, bonds, tax assessments, economic development, infrastructure, transportation, public welfare, child care, certifications, Texas Rising Star Program, grant program, disability inclusion, family income, affordability, economic impact, state study, cost analysis, government support

Transcript Highlights:

• It's very important to separate those two, and HASAMI really looks at the evidence-based practice of

Bills: HF2115, HF2276, HF1644, HF99, HF2068, HF2707, HF2704, HF2406, HF1674, HF1579

Keywords: human services, aging services, disability services, behavioral health, long-term care, nursing home, nursing facility, assisted living, waiver services, medical assistance, Medicaid, case mix reimbursement, PDPM, RUG, direct care and treatment, developmental disabilities, day services, positive support, guardian, conservator

Transcript Highlights:

• And HASSMI really looks at the evidence-based practice of permanent supportive housing.
• And HASSMI really looks at the evidence-based practice of permanent supportive housing.

Bills: HF2115, HF2276, HF1644, HF99, HF2068, HF2707, HF2704, HF2406, HF1674, HF1579

Keywords: human services, aging services, disability services, behavioral health, long-term care, nursing home, nursing facility, assisted living, waiver services, medical assistance, Medicaid, case mix reimbursement, PDPM, RUG, direct care and treatment, developmental disabilities, day services, positive support, guardian, conservator

Transcript Highlights:

• There, he built a law practice, raised his two oldest children, and lived a life of civic devotion.
• think what we're trying to do is recruit additional physicians who may be capable and trained to practice
• What we're trying to do is open the door for doctors who were trained abroad to be able to practice here
• State security, what is the threat of somebody who's coming over and practicing and being a doctor?
• That they are capable of practicing at the same level as our U.S.

Bills: HB5560, HB2, HB24, HB3233, HB1397, HB2067, HB3133, HB5696, HB5680, HB2885, HB3966, HB3556, HB3595, HB144, HB26, HB2038, HB521, HB4, HB 1178, HB42, HB 1211, HB783, HB3963, HB2240, HB1690, HB 1234, HB3372, HB27, HB4211, HB2243, HB2853, HB4638, HJR7, HB 100, HB 126, HB3783, HB5138, HB2512, HB5616, HB4751, SB17, SB1637, SB1833, SB2155, SB21, SB2778, SB260, SB8, SB12, SB37, SB379, SB441, SB1566, SB2878, HB4112, HB3866, HB4749, HB2844, HB150

Keywords: groundwater, civil penalties, water conservation, drought contingency, environmental protection, public education, teacher compensation, certification, funding, school finance, educator rights, education funding, charter schools, staff compensation, state aid, retention allotment, zoning, public notice, local government, residential development

Bills: HB5560, HB2, HB24, HB3233, HB1397, HB2067, HB3133, HB5696, HB5680, HB2885, HB3966, HB3556, HB3595, HB144, HB26, HB2038, HB521, HB4, HB 1178, HB42, HB 1211, HB783, HB3963, HB2240, HB1690, HB 1234, HB3372, HB27, HB4211, HB2243, HB2853, HB4638, HJR7, HB 100, HB 126, HB3783, HB5138, HB2512, HB5616, HB4751, SB17, SB1637, SB1833, SB2155, SB21, SB2778, SB260, SB8, SB12, SB37, SB379, SB441, SB1566, SB2878, HB4112, HB3866, HB4749, HB2844, HB150

Keywords: groundwater, civil penalties, water conservation, drought contingency, environmental protection, public education, teacher compensation, certification, funding, school finance, educator rights, education funding, charter schools, staff compensation, state aid, retention allotment, zoning, public notice, local government, residential development

Transcript Highlights:

• action, and deems violations to be unfair methods of competition and unfair or deceptive acts or practices
• action and deems violations to be unfair methods of competition and unfair or deceptive acts or practices
• And providers have been asking HMSA to change this practice for more than 5 years.
• So, in practice, it took a little bit of time to make the system work, but starting the 27th, those should
• So, in practice, it took a little bit of time to make the system work, but starting the 27th, those should

Bills: SB2433, SB2047, SB2425, SB3045, SB2761, SB3001, SB2852, SB2471

Keywords: condominium governance, education trust fund, unit owners, real estate, dispute resolution, financial obligations, community representation, pharmacy benefit managers, maximum allowable cost, transparency, drug pricing, insurance commissioner, contracting pharmacies, healthcare, substance use disorder, SUD, addiction treatment, behavioral health, mental health, rehabilitation

Summary: The committee heard testimony on SB 2433 SD1 relating to condominiums, which would direct the condominium education trust fund toward educational resources for unit owners and require the Real Estate Commission to ensure owners’ interests are represented in funded activities and related rulemaking. Supporters, including the Hawaii Real Estate Commission and a condominium owner advocate, said owners need a seat at the table in condo governance and education efforts. Committee discussion focused on whether the bill was necessary, with the Real Estate Commission indicating it could already use the trust fund for owner education and that owners are already considered stakeholders, though not through a specific commission seat. No vote was taken during the excerpted discussion. The committee then took up SB 2047 SD2 HD1 on pharmacy benefit managers, which would set requirements for maximum allowable cost reimbursement, allow reverse-and-rebill claims after successful appeals, and authorize fines for violations. The Insurance Division offered comments, the Hawaii Pharmacists Association supported the measure with amendments and suggested future PBM reform funding, and Kaiser Permanente requested a technical amendment. A committee question raised whether the staffing and resource request for implementation was too large for a bill focused only on MAC pricing, and the witness said he would provide more data to the next committee. No final action was shown. Next was SB 2425 SD2 HD1 on health insurance and substance use disorder treatment, requiring insurers to honor written assignments of benefits to SUD providers and prohibiting anti-assignment clauses. Supporters described patients being unable to access treatment because of high out-of-pocket costs and said direct payment would reduce harm for people in recovery. HMSA opposed the bill but said it would begin direct payments to non-participating SUD facilities effective March 27, while continuing to object to the assignment-of-benefits portion because of fraud and balance-billing concerns; the Hawaii Association of Health Plans also opposed. Members questioned HMSA about reimbursement mechanics and why the bill was needed if coverage policies were already changing. Finally, the committee heard SB 3045 SD1 HD1, which would require coverage of continuous glucose monitors and related supplies, including for Medicaid managed care, under certain conditions. DHS and the Insurance Division offered comments, while SHPDA, Hilo Benioff Medical Center Foundation, and others supported the bill, citing inconsistent access and a case in which a woman allegedly died after being denied a CGM. HMSA said it already covers medically necessary CGMs and had updated its policy in 2025 for type 1 and insulin-dependent patients, but it raised concerns about expanding mandated coverage to type 2 and gestational diabetes and about supply impacts. The committee also discussed whether the bill duplicated existing coverage standards and why it had been introduced repeatedly. No votes or final dispositions were included in the excerpt.

Transcript Highlights:

• So there's a very limited number of practices that qualify.
• mean, it's the district practice to do that, yeah.
• veterinarian have experience in food, animal practice.
• So it doesn't have to be a veterinarian that has had a large-animal practice.
• Current rules, current practices are depopulation.

Bills: HB4338, HB3977, HB2100, HB2975, HB3056, HB3406, HB3720, HB4316, HB3405, HB1907, HB3142, HB3173, HB3270, HB3728, HB2440, HB2596, HB3466, HB3469, HB4338, HB3977, HB2100, HB2975, HB3056, HB3406, HB3720, HB4316, HB3405, HB1907, HB3142, HB3173, HB3270, HB3728, HB2440, HB2596, HB3466, HB3469

Keywords: HB4338, Oklahoma Brine Development Act, brine unitization, produced water, produced water unit, oil and gas wastewater, produced water recycling, reclaimed water, constituent elements, brine rights, solution gas, Corporation Commission, unitization, royalty interests, surface owner, oil and gas produced water, recycling and reuse, wastewater disposal, mineral extraction, lithium extraction

Transcript Highlights:

• And so we're restoring a practice that was used when I was a CASA several years ago.
• The current bill language does not really reflect modern practices.
• We're just kind of modernizing practices.
• SB 1012 aligns the statute with existing practice rather than changing it.
• I'll give you a practical example.

Bills: SB1012, SB1099, SB1234, SB1392, SB1489, SB1535, SB1570, SB1609, SB1627, SB1634, SB1661, SB1709, SB1723, SB1725, SB1743, SB1829, SCR1027, SCR1040, SCR1048

Keywords: concealed carry, firearms, restaurants, liquor licensing, public safety, defamation, private figure, public concern, statute of limitations, internet defamation, juvenile court, legal representation, appointed attorney, guardian ad litem, child welfare, election canvass, canvassing board, governing body, election inspection, election access

Summary: The Senate Judiciary and Elections Committee heard and advanced several election, judiciary, child welfare, and criminal justice measures. SB 1489 would require paid petition circulators for initiatives and referenda to disclose their name, state of residence, and paid status verbally and on a badge, add registration requirements for certain local circulators, prohibit pay by signature for local measures, and apply strict compliance and funding-disclosure rules to local initiatives. The ACLU opposed it as compelled speech and a burden on political expression, while the Arizona Chamber supported it as transparency and parity with state-level rules. The committee recommended the bill do pass on a 4-3 vote. SB 1609, an emergency measure concerning political party names, would require proposed party names to be distinguishable from existing parties and bar use of terms like “independent” or similar variations. The Arizona Independent Party opposed it as a retroactive change and “cartel protection,” while county election officials and the Arizona Association of Counties supported it as reducing voter confusion. The committee adopted an amendment and recommended the bill do pass on a 7-0 vote. SCR 1040, a voter-approved constitutional referral, would raise the mandatory retirement age for judges and justices of courts of record from 70 to 75; supporters argued it reflects longer life expectancy and preserves experienced judges, while opponents said voters previously rejected a similar proposal and that an age limit is preferable. It passed 5-2. The committee also considered SB 1234, which changes juvenile court representation rules by requiring a guardian ad litem in dependency and termination cases and allowing appointment of an attorney for the child depending on age and ability to express an opinion. Sponsor Senator Werner said the bill was part of a broader child-safety reform effort informed by cases such as Rebecca Baptiste, arguing that a guardian ad litem with attorney authority would better protect children’s best interests. Child welfare attorneys and advocates opposed the bill, saying children need a dedicated attorney-client relationship, confidentiality, and a voice separate from the court or DCS; DCS remained neutral. The committee adopted an amendment and recommended the bill do pass on a 5-2 vote. SB 1661 would allow a presumed father to be relieved of child support obligations if genetic testing shows he is not the biological father; supporters described cases where men remained liable despite exclusionary DNA results, and the bill passed 6-0. Later, the committee heard election administration and transparency bills. SB 1392 would give governing bodies canvassing elections access to locations where election materials are created, handled, processed, tabulated, or stored, so they can observe procedures and review records while protecting secrecy and security; county officials raised concerns about the term “agent,” and the bill passed 4-3. SB 1634 would require ADOT to provide county recorders with a copy of an applicant’s handwritten signature when facilitating voter registration; county officials said it would improve signature comparison, and the bill passed 5-2 after a vote correction. SB 1743 would redact an individual donor’s employer street number, employer name, or residence address from public campaign finance reports, with penalties for improper disclosure; supporters cited privacy and safety, while opponents argued employer information is important for transparency and identifying influence. It passed 5-2. SB 1099, a strike-everything amendment, set statutory criteria for defamation claims involving public or private figures and public or private concerns, including falsity, reckless disregard, and context; it passed 4-3. After a recess, the committee heard SB 1535, which increases penalties for buyers of sexual conduct, including making the conduct a class 6 felony and adding a $200 assessment to support anti-human trafficking services. The sponsor and supporters, including survivors, law enforcement, neighborhood advocates, and the Maricopa County Attorney’s Office, said the bill targets demand that fuels trafficking and neighborhood disorder. Opponents from criminal justice and anti-violence groups said the bill should include a rebuttable presumption to better protect trafficking victims. The committee adopted an amendment and recommended the bill do pass.

Transcript Highlights:

• For generations, state sponsored discrimination through segregation, exclusionary hiring practices, and
• According to Partnership for Public Service, exclusionary practices contribute to talent shortages, low
• By defining and restricting certain practices, many of which involve the communication and expression

Bills: SB 231, SB 667, SB 689, SB 825, SB 965, SB 992, SB 1059, SB 1220, SB 2368, SB 2601

Keywords: temporary emergency electric energy facility, temporary generation, emergency power, backup generation, mobile generator, portable generator, grid resilience, power outage restoration, transmission and distribution utility, TDU, Public Utility Commission of Texas, PUCT, Utilities Code Section 39.918, competitive bidding, lease authorization, emergency procurement, bulk power system, locational marginal pricing, reliability model, black start

Transcript Highlights:

• For generations, state-sponsored discrimination through segregation, exclusionary hiring practices, and
• According to the Partnership for Public Service, exclusionary practices contribute to talent shortages
• The bill risks establishing a precedent for censorship by defining and restricting certain practices,

Bills: SB231, SB667, SB689, SB825, SB965, SB992, SB1059, SB1220, SB2368, SB2601

Keywords: temporary emergency electric energy facility, temporary generation, emergency power, backup generation, mobile generator, portable generator, grid resilience, power outage restoration, transmission and distribution utility, TDU, Public Utility Commission of Texas, PUCT, Utilities Code Section 39.918, competitive bidding, lease authorization, emergency procurement, bulk power system, locational marginal pricing, reliability model, black start

Bills: SB124, SB201, SB275, SB410, SB478, SB607, SB610, SB611, SB654, SB702, SB787, SB831, SB892

Keywords: Department of Veterans Affairs, disciplinary procedures, accountability, personnel actions, whistleblower protection, cancer, military, aircrew, veterans, health study, toxins, morbidity, mortality, service members, mental health, community care, accessibility, treatment programs, substance abuse, appointments

Summary: During the meeting, various members engaged in extensive discussions surrounding 15 proposed bills related to veterans' affairs. Notably, concerns regarding recent VA workforce changes sparked debates, particularly about potential cuts and their implications for veterans' care and benefits. Chairman Moran emphasized the need for thoughtful reforms and coordination with stakeholders, urging responsible measures to prevent negatively impacting service delivery. The meeting highlighted a significant bipartisan effort to enhance veterans' access to essential health services, particularly in light of recent challenges faced by the VA workforce. Senator Blumenthal's assertions about the urgent plight of veterans due to cuts in personnel drew strong reactions, showcasing the deep concern among committee members regarding the current state of veteran services.

Bills: SJR 3, SB 5, SB 21, SB 72, SB 703, SB 764, SB 790, SJR 36, SJR 3, SJR 34, SJR 18, SCR 9, SB 616, SB 565, SB 384, SB 5, SB 21, SB 72, SB 140, SB 262, SB 370, SB 372, SB 495, SB 627, SB 703, SB 764, SB 842, SB 971, SB 790, SB 767, SB 480, SB 1066, SB 929, SB 765, SB 523, SB 62, SB 19, SB 18, SB 666, SB 688, SB 707, SB 888, SB 687, SB 706, SB 847, SB 869, SB 890, SB 992, SB 1145, SB 494, SB 290, SB 766, SB 11, SB 10, SB 13, SB 263, SJR 3, SB 5, SR 172, SR 176, SR 177, SR 190, SR 193, SR 194, SR 202, SR 203, SR 208

Keywords: dementia, Alzheimer's disease, Parkinson's disease, research funding, state budget, prevention, healthcare, medical research, Dementia Prevention and Research Institute, research institute, funding, grants, state health initiatives, cryptocurrency, bitcoin, investment reserve, economic resilience, financial security, vehicle rental, damage waiver

Bills: SJR3, SB5, SB21, SB72, SB703, SB764, SB790, SJR36, SJR3, SJR34, SJR18, SCR9, SB616, SB565, SB384, SB5, SB21, SB72, SB140, SB262, SB370, SB372, SB495, SB627, SB703, SB764, SB842, SB971, SB790, SB767, SB480, SB1066, SB929, SB765, SB523, SB62, SB19, SB18, SB666, SB688, SB707, SB888, SB687, SB706, SB847, SB869, SB890, SB992, SB1145, SB494, SB290, SB766, SB11, SB10, SB13, SB263, SJR3, SB5, SR172, SR176, SR177, SR190, SR193, SR194, SR202, SR203, SR208

Keywords: dementia, Alzheimer's disease, Parkinson's disease, research funding, state budget, prevention, healthcare, medical research, Dementia Prevention and Research Institute, research institute, funding, grants, state health initiatives, cryptocurrency, bitcoin, investment reserve, economic resilience, financial security, vehicle rental, damage waiver

Transcript Highlights:

• And I'm concerned about how it's going to chill discussions about overall business practices or other

Bills: HB2894, HB3418, HB3415, HB3413, HB3414, HB3416, HB3417, HB3419, HB3420, HB1739, HB1752, HB1979, HB2941, HB2992, HB3075, HB3086, HB3177, HB3269, HB3278, HB3279, HB3497, HB3644, HB4432, HB3720, HB3849, HB3882, HB3919, HB3941, HB4118, HB4141, HB4268, HB4342, HB4428, HB4429, HB4434

Keywords: HB2894, Oklahoma Rural Jobs Act, rural jobs, rural investment, tax credit, capital investment tax credit, state tax credits, economic development, rural fund, rural investor, qualified investment, eligible business, Department of Commerce, rural business, investment certification, tax liability, credit cap, workforce development, small business finance, rural development

Transcript Highlights:

• from going to work for the business that won The contract for one year, and it codifies the common practice
• Senator, because one of the hardest things to diagnose in any practice is pulmonary embolus, and they
• You put the doctors in the difficult position of practicing defensive medicine because they didn't screen

Bills: HB2894, HB3418, HB3415, HB3413, HB3414, HB3416, HB3417, HB3419, HB3420, HB1739, HB1752, HB1979, HB2941, HB2992, HB3075, HB3086, HB3177, HB3269, HB3278, HB3279, HB3497, HB3644, HB4432, HB3720, HB3849, HB3882, HB3919, HB3941, HB4118, HB4141, HB4268, HB4342, HB4428, HB4429, HB4434

Keywords: HB2894, Oklahoma Rural Jobs Act, rural jobs, rural investment, tax credit, capital investment tax credit, state tax credits, economic development, rural fund, rural investor, qualified investment, eligible business, Department of Commerce, rural business, investment certification, tax liability, credit cap, workforce development, small business finance, rural development

Transcript Highlights:

• source of this, and I'm concerned about how it's going to chill discussions about overall business practices

Bills: HB2894, HB3418, HB3415, HB3413, HB3414, HB3416, HB3417, HB3419, HB3420, HB1739, HB1752, HB1979, HB2941, HB2992, HB3075, HB3086, HB3177, HB3269, HB3278, HB3279, HB3497, HB3644, HB4432, HB3720, HB3849, HB3882, HB3919, HB3941, HB4118, HB4141, HB4268, HB4342, HB4428, HB4429, HB4434

Keywords: HB2894, Oklahoma Rural Jobs Act, rural jobs, rural investment, tax credit, capital investment tax credit, state tax credits, economic development, rural fund, rural investor, qualified investment, eligible business, Department of Commerce, rural business, investment certification, tax liability, credit cap, workforce development, small business finance, rural development

Summary: The Senate began with ceremonial recognitions for several student groups and community visitors, including Carl Albert High School’s boys and girls swim teams, the Lady Titans basketball team, and the Choctaw High School speech and debate team. Senators and coaches highlighted the teams’ state championships, academic achievements, and perseverance, and the chamber also welcomed visiting groups from Aline, Owasso, and Tulsa County. After the presentations, the Senate returned to general order and took up a series of House bills. Among the measures considered, House Bill 3720 expanded the Local Food Freedom Act by raising the gross annual sales threshold for local food establishments from under $75,000 to $250,000; it passed 39-4. House Bill 3849 updated the Oklahoma mentoring children of incarcerated parents program and passed 42-1. House Bill 3882 created a revolving fund for industrial and lake access improvement projects and passed 33-9, then also passed the emergency clause 39-4. House Bill 3919 reduced county free fair association boards from nine members to five to address quorum problems and passed 45-0. House Bill 3941 codified a pay raise for a court secretary and passed 45-0, including its emergency clause. House Bill 4118 updated the family caregiver tax credit and passed 44-1. House Bill 4141 removed the sunset on the statewide sexual assault nurse examiner coordinator position and passed 45-0. The chamber also debated several policy bills more extensively. House Bill 4268 created a growth-based teacher compensation program using Oklahoma Teacher Empowerment Funds and restored a $5,000 stipend for national board-certified teachers; it passed 45-0 and its emergency clause also passed 45-0. House Bill 4342 allowed prior instances of domestic violence or abuse to be admitted as propensity evidence in court, with supporters saying it would help interrupt the cycle of abuse and opponents raising due process concerns; it passed after debate. House Bill 4428 required public pension plans to base proxy voting decisions solely on financial considerations, and House Bill 4429 required proxy advisors to disclose when recommendations were not based on financial analysis; both passed after debate, 35-8 and 37-7 respectively. Two Rule 7-9 motions to pull House Bills 4422 and 4423 from committee and place them on general order failed by recorded vote. The Senate then announced Denim Day for domestic violence and sexual assault awareness, noted a few final reminders, and adjourned until April 29, 2026, at 9:00 a.m.

Bills: SJR39, SJR47, SB227, SB1942, SB1627, SB625, SB1716, SB1303, SB2180, SB504, SB1209, SB1448, SB1597, SB1679, SB2182, SB2112, SB2170, SB2084, SB1496, SB1595, SB1655, SB1876, SB1621, SB1944, SB1266, SB2072, SB2104, SB1769, SB1827

Keywords: property valuation, tax limit, homestead, income threshold, elderly, constitutional amendment, voter ID, elections, Oklahoma, proof of identity, gross production tax, ad valorem tax, property exemption, Oklahoma Tax Commission, oil and gas production, regulatory impact, economic implications, dental insurance, health care, medical necessity