Health insurance; coverage for mental health and substance abuse disorders.

Added a specific date (January 30, 2025) to the committee proposal section that was previously blank.

Reformatted the document with improved spacing, line breaks, and page numbering layout for readability.

Added a page break indicator (1/31/25 08:38) and bill identifier (HB2738H1) in the middle of the text.

Line breaks and spacing were reorganized, with text split across multiple lines in the House Substitute version compared to the Enrolled version. No substantive policy language was altered.

Added 'child and adolescent psychiatry' and 'adult psychiatry' to the list of clinical specialties in the 'generally accepted standards' definition to improve clarity.

Expanded 'medically necessary' definition to include 'or purchaser' and added 'or for the convenience of the patient, treating physician, or other health care provider' to clarify what insurers cannot consider when determining coverage.

Added a new sentence stating that nothing in the section supersedes the standard of care set forth in § 8.01-581.20, clarifying the relationship with existing state standards.

Minor formatting changes including line breaks and spacing adjustments throughout the text during the legislative markup process.