Common Sense Patients' Bill of Rights Act

Common Sense Patients' Bill of Rights Act - Amends the Employee Retirement Income Security Act of 1974 (ERISA), the Public Health Service Act (PHSA), and the Internal Revenue Code (IRC) to: (1) provide for a patients' bill of rights, patient access to information, and accountability of health plans; and (2) expand access to health care coverage through tax incentives. Title I: Patients' Bill Of Rights - Subtitle A: Right Advice and Care - Establishes patients' rights to medical advice and care (under ERISA, PHSA, and IRC). Subtitle B: Right to Information About Plans And Providers - Establishes patients' rights to information about plans and providers. Subtitle C: Right To Hold Health Plans Accountable - Establishes patients' rights to hold health plans accountable. Subtitle D: State Flexibility in Applying Requirements to Health Insurance Issuers - Provides for State flexibility in applying requirements to health insurance issuers. Subtitle E: Effective Dates; Coordination in Implementation; Miscellaneous Provisions - Provides for coordination in implementation. Title II: Remedies - Amends ERISA to provide for: (1) availability of, and limitations on, court remedies relating to medically reviewable determinations and timely review of claims; and (2) expanded court remedies relating to group health plan determinations that are not medically reviewable. Title III: Health Care Coverage Access Tax Incentives - Amends the IRC with respect to medical savings accounts (MSAs) to: (1) repeal certain limitations on availability; (2) expand availability beyond employees of small employers and self-employed individuals; (3) increase the amount of allowable tax deduction for contributors; (4) allow both employers and employees to contribute; (5) reduce permitted deductibles under high-deductible heath plans, but provide for cost-of-living adjustments; (6) allow MSAs to be offered under cafeteria plans; and (7) direct the Comptroller General to study and report on the impact of MSAs on the cost of conventional insurance. Allows a tax deduction for 100 percent of the health insurance costs of self-employed individuals. Title IV: Health Care Paperwork - Establishes the Health Care Panel to Devise a Uniform Explanation of Benefits to devise a single form for use by third-party health care payers for remittance of claims to providers.