Health Insurance - Mental Health and Substance Use Disorders - Codification of Federal Requirements

SB 205 codifies federal mental health parity requirements into Maryland law, requiring health insurance carriers to comply with the Paul Wellstone and Pete Domenici Mental Health Parity Act. It mandates carriers to collect and report data on access to mental health and substance use disorder benefits, explain differences in care access, and undergo comparative analyses of nonquantitative treatment limitations. The Maryland Insurance Commissioner gains authority to review carrier reports and address noncompliance. This bill directly affects all health insurance carriers operating in Maryland, ensuring their coverage aligns with federal parity standards for mental health and substance use disorder benefits. It clarifies enforcement mechanisms without creating new benefit requirements.