Related to Mental Health Protection Act

HB 5077 requires all health insurance policies in West Virginia (including group plans, public employee coverage, and hospital plans) issued or renewed on or after January 1, 2027, to cover medically necessary mental health and substance use disorder treatment. It defines "medically necessary" as care meeting established clinical standards, being appropriate in type/duration, and not primarily benefiting insurers. The law prohibits insurers from using arbitrary "discretionary clauses" to deny such coverage. This directly affects all West Virginians with health insurance by mandating comprehensive coverage for these conditions.