Regulations adopted by the Department of Banking and Insurance to implement the provisions of the Health Claims Authorization, Processing and Payment Act (HCAPPA), L. 2005, c. 352 (codified as amended in various sections of titles 17, 17B, and 26 of the New Jersey Statutes Annotated), are valid because: HCAPPA permits payers to obtain reimbursement of overpayments of claims paid, including claims under "stand-alone" or "dental-only" plans, and allows payers to offset overpayments to a provider against future claims the provider submits for other persons