behavioral health services; insurance coverage

HB 2559 requires Arizona health insurance plans (including hospital service corporations, health care organizations, and disability insurers) to cover behavioral health services - such as mental health and substance use disorder treatment - starting January 1, 2027. The bill mandates insurers to provide out-of-network coverage with cost protections if in-network providers aren’t available within specific timeframes: 30 days for routine care, 7 days for residential care, and 24 hours for emergencies. Patients cannot pay more than their in-network copay, coinsurance, or deductible for these services, and insurers must document out-of-network payments for state review. This directly affects millions of Arizonans with insurance coverage for behavioral health needs.