Plain English Breakdown
The effective date is not provided in the official source material.
Amendment Defining Serious Mental Illness in Health Plans
This amendment defines 'serious mental illness' by listing specific disorder categories and allows insurance companies to require approval steps for other mental health conditions not included in that list.
What This Bill Does
- Defines serious mental illness as a group of disorders including neurodevelopmental, psychotic, bipolar, depressive, anxiety, obsessive-compulsive, trauma-related, dissociative, somatic symptom, eating, personality, and disruptive impulse-control or conduct disorders.
- Requires using the most recent edition of the Diagnostic and Statistical Manual of Mental Disorders to determine if someone has a serious mental illness.
- Allows insurance carriers to require precertification, prior authorization, pre-admission screening, or referral for mental health care that is not classified as a serious mental illness or substance use disorder.
- Clarifies that this law does not stop approval requirements from being used on other types of mental health benefits.
Who It Names or Affects
- Insurance carriers and companies selling health benefit plans
- People who receive coverage under these health plans for mental health care
Terms To Know
- Serious Mental Illness
- A specific group of disorders listed in the law, including neurodevelopmental, psychotic, bipolar, depressive, anxiety, obsessive-compulsive, trauma-related, dissociative, somatic symptom, eating, personality, and disruptive impulse-control or conduct disorders.
- Prior Authorization
- A rule where an insurance company must approve a treatment before it happens to pay for it.
Limits and Unknowns
- The official text does not state when this law officially takes effect.
- The bill defines the rules only for 'serious mental illness' and leaves other conditions subject to different approval steps without listing those specific non-serious conditions in detail.