Requires insurance and Medicaid coverage for inpatient and outpatient substance abuse treatment for a period of not less than forty-five days

This bill requires health insurance plans and Medicaid to cover inpatient and outpatient substance abuse treatment for a minimum of 45 days. It directly affects individuals seeking treatment for substance use disorders by mandating that insurers cannot impose stricter financial limits or treatment restrictions on these services than they do for general medical care. Key provisions include prohibiting extra costs or prior authorization requirements for substance treatment that are more restrictive than those applied to other medical benefits. The law applies to all comprehensive insurance policies and Medicaid plans, ensuring coverage for detoxification, rehabilitation, and medically necessary residential care without arbitrary time limits.