AN ACT RELATING TO INSURANCE -- INSURANCE COVERAGE FOR MENTAL ILLNESS AND SUBSTANCE USE DISORDERS

HB 6061 requires insurance plans to cover mental health and substance use disorder treatment under the same terms as physical health conditions, eliminating annual or lifetime dollar limits. It mandates that financial requirements (like copays) and treatment limitations for these conditions cannot be stricter than those for medical care, and insurers must follow established clinical guidelines for coverage decisions. The bill directly affects insurance companies, health plans, and patients with mental health or substance use disorders by ensuring equitable access to care. It applies to all group and individual health insurance plans, excluding limited-benefit policies like accident-only coverage.