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

SB 437 requires most health insurance plans in Tennessee to cover mental health and substance abuse services through a specific integrated care model called the Psychiatric Collaborative Care Model (PCCM), effective July 1, 2025. This model involves primary care providers, care managers, and psychiatric consultants working together to coordinate patient treatment using validated tools and regular assessments. Insurance plans may deny coverage only if they comply with existing state and federal mental health parity laws (including the MHPAEA) and medical necessity standards. The requirement applies to TennCare and CoverKids programs when services are deemed medically necessary by program guidelines.