Requiring the Public Employees Agency and other health insurance providers to provide mental health parity

HB 2770 requires West Virginia's Public Employees Insurance Agency (covering state employees) and all other health insurance providers to ensure mental health and substance use disorder coverage is equally extensive as physical health coverage. It mandates equal access to screenings (like depression and substance use), prohibits stricter limits on mental health care than physical health, and requires clear denial notices explaining parity rights. Insurers must follow the same rules for out-of-network mental health care as for physical health, including reimbursement methods. This bill directly affects all state employees covered by the Public Employees Agency and every health insurance plan operating in West Virginia. It takes effect upon passage.