AN ACT RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES (Requires that reimbursement rates for certified mobile response and stabilization services be equal to or greater than the prevailing integrated state Medicaid rate for mobile response and stabilizations services)

H7630

2026 -- H 7630
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LC005129
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STATE OF RHODE ISLAND
IN GENERAL ASSEMBLY
JANUARY SESSION, A.D. 2026
____________
A N A C T
RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES

Introduced By:
Representatives Tanzi, Ajello, Spears, Boylan, Donovan, Carson, Cotter,
Shanley, Felix, and McGaw

Date Introduced:
February 11, 2026

Referred To:
House Health & Human Services
It is enacted by the General Assembly as follows:
1
SECTION 1. Section 27-18-95 of the General Laws in Chapter 27-18 entitled "Accident
2
and Sickness Insurance Policies" is hereby amended to read as follows:
3

27-18-95. Acute mental health crisis mobile response and stabilization services.
4
[Effective January 1, 2026.]
5
(a) As used in this section, “mobile response and stabilization services” means a behavioral
6
health crisis intervention system providing immediate de-escalation, stabilization services, and
7
follow-up care, provided by a certified provider. These services are delivered to provide rapid
8
response to, assessment of, and early intervention for a child or youth eighteen (18) years of age
9
and younger experiencing an acute mental health crisis. Symptoms might include, but are not
10
limited to:
11
(1) Aggression;
12
(2) Self-injury;
13
(3) Trauma;
14
(4) Acute depression/anxiety;
15
(5) Challenges at school; Suicidal or homicidal thoughts/behaviors; and
16
(6) Extreme parent/child conflict.
17
Mobile response and stabilization services are provided by “certified providers” meaning
18
licensed behavioral health organizations providing outpatient services, which have demonstrated
19
expertise in delivering child-specific mobile response and stabilization services, and have obtained

1
relevant state licensure or certification.
2
(b) Every individual or group health insurance contract, or every individual or group
3
hospital or medical expense insurance policy, plan, or group policy delivered, issued for delivery,
4
or renewed in this state on or after January 1, 2026, shall provide coverage for mobile response and
5
stabilization services, consistent with the core components of the mobile crisis model, and in
6
accordance with the insurer’s existing reimbursement, credentialing, and contracting processes,
7
provided any utilization review processes do not limit timely access or fidelity to the model.
8
(c) This section shall not apply to insurance coverage providing benefits for:
9
(1) Hospital confinement indemnity;
10
(2) Disability income;
11
(3) Accident only;
12
(4) Long-term care;
13
(5) Medicare supplement;
14
(6) Limited benefit health;
15
(7) Specified disease indemnity;
16
(8) Sickness or bodily injury or death by accident or both; and
17
(9) Other limited benefit policies.
18

(d) Insurers shall reimburse certified mobile response and stabilization service providers,
19
who are designated as such by the executive office of health and human services, for mobile
20
response and stabilization services as defined in this section at rates of reimbursement equal to, or
21
greater than, the prevailing integrated state Medicaid rate for mobile response and stabilization
22
services as established by the executive office of health and human services.
23
SECTION 2. Section 27-19-87 of the General Laws in Chapter 27-19 entitled "Nonprofit
24
Hospital Service Corporations" is hereby amended to read as follows:
25

27-19-87. Acute mental health crisis mobile response and stabilization services.
26
[Effective January 1, 2026.]
27
(a) As used in this section, “mobile response and stabilization services” means a behavioral
28
health crisis intervention system providing immediate de-escalation, stabilization services, and
29
follow-up care, provided by a certified provider. These services are delivered to provide rapid
30
response to, assessment of, and early intervention for a child or youth eighteen (18) years of age
31
and younger experiencing an acute mental health crisis. Symptoms might include, but are not
32
limited to:
33
(1) Aggression;
34
(2) Self-injury;

LC005129 - Page 2 of 7
1
(3) Trauma;
2
(4) Acute depression/anxiety;
3
(5) Challenges at school; Suicidal or homicidal thoughts/behaviors; and
4
(6) Extreme parent/child conflict.
5
Mobile response and stabilization services are provided by “certified providers” meaning
6
licensed behavioral health organizations providing outpatient services, which have demonstrated
7
expertise in delivering child-specific mobile response and stabilization services, and have obtained
8
relevant state licensure or certification.
9
(b) Every individual or group health insurance contract, or every individual or group
10
hospital or medical expense insurance policy, plan, or group policy delivered, issued for delivery,
11
or renewed in this state on or after January 1, 2026, shall provide coverage for mobile response and
12
stabilization services, consistent with the core components of the mobile crisis model, and in
13
accordance with the insurer’s existing reimbursement, credentialing, and contracting processes,
14
provided any utilization review processes do not limit timely access or fidelity to the model.
15
(c) This section shall not apply to insurance coverage providing benefits for:
16
(1) Hospital confinement indemnity;
17
(2) Disability income;
18
(3) Accident only;
19
(4) Long-term care;
20
(5) Medicare supplement;
21
(6) Limited benefit health;
22
(7) Specified disease indemnity;
23
(8) Sickness or bodily injury or death by accident or both; and
24
(9) Other limited benefit policies.
25

(d) Nonprofit hospital service corporations shall reimburse certified mobile response and
26
stabilization service providers, who are designated as such by the executive office of health and
27
human services, for mobile response and stabilization services as defined in this section at rates of
28
reimbursement equal to, or greater than, the prevailing integrated state Medicaid rate for mobile
29
response and stabilization services as established by the executive office of health and human
30
services.
31
SECTION 3. Section 27-20-83 of the General Laws in Chapter 27-20 entitled "Nonprofit
32
Medical Service Corporations" is hereby amended to read as follows:
33

27-20-83. Acute mental health crisis mobile response and stabilization services.
34
[Effective January 1, 2026.]

LC005129 - Page 3 of 7
1
(a) As used in this section, “mobile response and stabilization services” means a behavioral
2
health crisis intervention system providing immediate de-escalation, stabilization services, and
3
follow-up care, provided by a certified provider. These services are delivered to provide rapid
4
response to, assessment of, and early intervention for a child or youth eighteen (18) years of age
5
and younger experiencing an acute mental health crisis. Symptoms might include, but are not
6
limited to:
7
(1) Aggression;
8
(2) Self-injury;
9
(3) Trauma;
10
(4) Acute depression/anxiety;
11
(5) Challenges at school; Suicidal or homicidal thoughts/behaviors; and
12
(6) Extreme parent/child conflict.
13
Mobile response and stabilization services are provided by “certified providers” meaning
14
licensed behavioral health organizations providing outpatient services, which have demonstrated
15
expertise in delivering child-specific mobile response and stabilization services, and have obtained
16
relevant state licensure or certification.
17
(b) Every individual or group health insurance contract, or every individual or group
18
hospital or medical expense insurance policy, plan, or group policy delivered, issued for delivery,
19
or renewed in this state on or after January 1, 2026, shall provide coverage for mobile response and
20
stabilization services, consistent with the core components of the mobile crisis model, and in
21
accordance with the insurer’s existing reimbursement, credentialing, and contracting processes,
22
provided any utilization review processes do not limit timely access or fidelity to the model.
23
(c) This section shall not apply to insurance coverage providing benefits for:
24
(1) Hospital confinement indemnity;
25
(2) Disability income;
26
(3) Accident only;
27
(4) Long-term care;
28
(5) Medicare supplement;
29
(6) Limited benefit health;
30
(7) Specified disease indemnity;
31
(8) Sickness or bodily injury or death by accident or both; and
32
(9) Other limited benefit policies.
33

(d) Nonprofit medical service corporations shall reimburse certified mobile response and
34
stabilization service providers, who are designated as such by the executive office of health and

LC005129 - Page 4 of 7
1
human services, for mobile response and stabilization services as defined in this section at rates of
2
reimbursement equal to, or greater than, the prevailing integrated state Medicaid rate for mobile
3
response and stabilization services as established by the executive office of health and human
4
services.
5
SECTION 4. Section 27-41-100 of the General Laws in Chapter 27-41 entitled "Health
6
Maintenance Organizations" is hereby amended to read as follows:
7

27-41-100. Acute mental health crisis mobile response and stabilization services.
8
[Effective January 1, 2026.]
9
(a) As used in this section, “mobile response and stabilization services” means a behavioral
10
health crisis intervention system providing immediate de-escalation, stabilization services, and
11
follow-up care, provided by a certified provider. These services are delivered to provide rapid
12
response to, assessment of, and early intervention for a child or youth eighteen (18) years of age
13
and younger experiencing an acute mental health crisis. Symptoms might include, but are not
14
limited to:
15
(1) Aggression;
16
(2) Self-injury;
17
(3) Trauma;
18
(4) Acute depression/anxiety;
19
(5) Challenges at school; Suicidal or homicidal thoughts/behaviors; and
20
(6) Extreme parent/child conflict.
21
Mobile response and stabilization services are provided by “certified providers” meaning
22
licensed behavioral health organizations providing outpatient services, which have demonstrated
23
expertise in delivering child-specific mobile response and stabilization services, and have obtained
24
relevant state licensure or certification.
25
(b) Every individual or group health insurance contract, or every individual or group
26
hospital or medical expense insurance policy, plan, or group policy delivered, issued for delivery,
27
or renewed in this state on or after January 1, 2026, shall provide coverage for mobile response and
28
stabilization services, consistent with the core components of the mobile crisis model, and in
29
accordance with the insurer’s existing reimbursement, credentialing, and contracting processes,
30
provided any utilization review processes do not limit timely access or fidelity to the model.
31
(c) This section shall not apply to insurance coverage providing benefits for:
32
(1) Hospital confinement indemnity;
33
(2) Disability income;
34
(3) Accident only;

LC005129 - Page 5 of 7
1
(4) Long-term care;
2
(5) Medicare supplement;
3
(6) Limited benefit health;
4
(7) Specified disease indemnity;
5
(8) Sickness or bodily injury or death by accident or both; and
6
(9) Other limited benefit policies.
7

(d) Health maintenance organizations shall reimburse certified mobile response and
8
stabilization service providers, who are designated as such by the executive office of health and
9
human services, for mobile response and stabilization services as defined in this section at rates of
10
reimbursement equal to, or greater than, the prevailing integrated state Medicaid rate for mobile
11
response and stabilization services as established by the executive office of health and human
12
services.
13
SECTION 5. This act shall take effect upon passage.
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LC005129
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LC005129 - Page 6 of 7
EXPLANATION
BY THE LEGISLATIVE COUNCIL
OF
A N A C T
RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES
***
1
This act would require that reimbursement rates for certified mobile response and
2
stabilization services be equal to or greater than the prevailing integrated state Medicaid rate for
3
mobile response and stabilizations services as established by EOHHS.
4
This act would take effect upon passage.
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LC005129
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LC005129 - Page 7 of 7