TO AMEND THE LAW CONCERNING CRISIS STABILIZATION UNITS AND HEALTHCARE INSURERS.

HB 1320 regulates how healthcare insurers cover services provided by Crisis Stabilization Units (CSUs), which offer immediate mental health or substance use crisis care. The bill expands the definition of "healthcare provider" to include CSUs under existing state laws. It generally prohibits health benefit plans from imposing utilization limitations or requiring prior authorization for CSU services, unless these align with Medicaid practices or are specifically authorized by the Insurance Commissioner. The Department of Human Services also cannot limit CSU access through utilization rules without the Insurance Commissioner's joint adoption. These changes affect healthcare insurers, CSUs, and individuals seeking crisis stabilization services.