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

SB 193 requires health insurance plans (including group plans and individual policies) to cover mental health and substance use disorder treatment on the same terms as physical health care. Key provisions include banning annual or lifetime dollar limits, ensuring cost-sharing (like copays) matches primary care, and prohibiting stricter restrictions (such as prior authorizations) for mental health services. The bill mandates insurers to use established clinical standards - like those from the American Society of Addiction Medicine - to determine coverage levels. This directly affects all insured individuals seeking mental health or addiction treatment, ensuring parity in coverage with medical conditions.