SB 1090 regulates bundling and down-coding practices by dental benefit providers. It prohibits insurance providers and benefit plan issuers from arbitrarily altering procedure codes submitted by dentists unless they conduct a professional review of the billing and supporting clinical records. The bill defines bundling as combining separate procedures for billing purposes and down-coding as adjusting a claim to a lower-cost procedure. Insurance providers may only modify procedure codes if they determine the original billing was incorrect, fragmented, or unbundled based on dental industry standards. The law applies to health insurance policies and benefit plans starting January 1, 2026.