relative to mental health standards of care.

SB 646 requires New Hampshire insurance companies to provide equal coverage for 9 specific biologically-based mental illnesses (like schizophrenia, bipolar disorder, and major depression) as they do for physical health conditions. It mandates that coverage terms and reimbursement rates for these mental health services must align with New Hampshire Medicaid's scope and rates, not just federal parity standards. The bill also requires insurers to publicly report comparative analyses of mental health vs. medical provider reimbursements and ensures reimbursement rates for mental health providers are at least as favorable as those for primary care physicians. This applies to all health insurers, nonprofit health service corporations, and health maintenance organizations operating in New Hampshire, with enforcement by the state insurance commissioner. The bill does not provide new state funding for implementation.