Insurance, Health, Accident - As enacted, revises certain protocols for mental health and substance abuse services. - Amends TCA Title 56 and Title 71.

HB 654 requires most Tennessee health insurance plans (including TennCare and CoverKids) to cover mental health and substance abuse services through a specific integrated care model called the Psychiatric Collaborative Care Model (PCCM), starting July 1, 2025. This model involves primary care providers, care managers, and psychiatric consultants working together to coordinate treatment using validated tools. Insurers may only deny coverage for these services based on medical necessity if they already comply with existing state and federal parity laws. The law directly affects insurers, healthcare providers, and patients seeking mental health/substance abuse treatment covered by these plans.