behavioral health services; insurance coverage

This bill (HB 2348) requires Arizona health insurers - covering hospital service corporations, medical service corporations, health care services organizations, and disability insurers - to provide coverage for behavioral health services (including mental health and substance use disorder treatment) starting January 1, 2026. It mandates insurers to arrange out-of-network coverage with negotiated rates when in-network providers aren’t available within specific timeframes: 30 days for routine care, 7 days for residential care, and 24 hours for emergencies. Crucially, patients cannot pay more than their standard in-network copay, coinsurance, or deductible for these services. Insurers must also document and report out-of-network payments to the state within 20 days of request.