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)

S3065

2026 -- S 3065
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LC005016
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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:
Senators DiMario, Britto, Bissaillon, Zurier, Kallman, Mack, Acosta,
Lauria, Valverde, and Lawson

Date Introduced:
March 12, 2026

Referred To:
Senate 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 providers for mobile response and stabilization
19
services as defined in this section at rates of reimbursement equal to or greater than the prevailing
20
integrated state Medicaid rate for mobile response and stabilization services on or after October 1,
21
2026, using the state Medicaid payment methodology as established by the executive office of
22
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;

LC005016 - 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) Insurers shall reimburse certified providers for mobile response and stabilization
26
services as defined in this section at rates of reimbursement equal to or greater than the prevailing
27
integrated state Medicaid rate for mobile response and stabilization services on or after October 1,
28
2026, using the state Medicaid payment methodology as established by the executive office of
29
health and human services.
30
SECTION 3. Section 27-20-83 of the General Laws in Chapter 27-20 entitled "Nonprofit
31
Medical Service Corporations" is hereby amended to read as follows:
32

27-20-83. Acute mental health crisis mobile response and stabilization services.
33
[Effective January 1, 2026.]
34
(a) As used in this section, “mobile response and stabilization services” means a behavioral

LC005016 - Page 3 of 7
1
health crisis intervention system providing immediate de-escalation, stabilization services, and
2
follow-up care, provided by a certified provider. These services are delivered to provide rapid
3
response to, assessment of, and early intervention for a child or youth eighteen (18) years of age
4
and younger experiencing an acute mental health crisis. Symptoms might include, but are not
5
limited to:
6
(1) Aggression;
7
(2) Self-injury;
8
(3) Trauma;
9
(4) Acute depression/anxiety;
10
(5) Challenges at school; Suicidal or homicidal thoughts/behaviors; and
11
(6) Extreme parent/child conflict.
12
Mobile response and stabilization services are provided by “certified providers” meaning
13
licensed behavioral health organizations providing outpatient services, which have demonstrated
14
expertise in delivering child-specific mobile response and stabilization services, and have obtained
15
relevant state licensure or certification.
16
(b) Every individual or group health insurance contract, or every individual or group
17
hospital or medical expense insurance policy, plan, or group policy delivered, issued for delivery,
18
or renewed in this state on or after January 1, 2026, shall provide coverage for mobile response and
19
stabilization services, consistent with the core components of the mobile crisis model, and in
20
accordance with the insurer’s existing reimbursement, credentialing, and contracting processes,
21
provided any utilization review processes do not limit timely access or fidelity to the model.
22
(c) This section shall not apply to insurance coverage providing benefits for:
23
(1) Hospital confinement indemnity;
24
(2) Disability income;
25
(3) Accident only;
26
(4) Long-term care;
27
(5) Medicare supplement;
28
(6) Limited benefit health;
29
(7) Specified disease indemnity;
30
(8) Sickness or bodily injury or death by accident or both; and
31
(9) Other limited benefit policies.
32

(d) Insurers shall reimburse certified providers for mobile response and stabilization
33
services as defined in this section at rates of reimbursement equal to or greater than the prevailing
34
integrated state Medicaid rate for mobile response and stabilization services on or after October 1,

LC005016 - Page 4 of 7
1
2026, using the state Medicaid payment methodology as established by the executive office of
2
health and human services.
3
SECTION 4. Section 27-41-100 of the General Laws in Chapter 27-41 entitled "Health
4
Maintenance Organizations" is hereby amended to read as follows:
5

27-41-100. Acute mental health crisis mobile response and stabilization services.
6
[Effective January 1, 2026.]
7
(a) As used in this section, “mobile response and stabilization services” means a behavioral
8
health crisis intervention system providing immediate de-escalation, stabilization services, and
9
follow-up care, provided by a certified provider. These services are delivered to provide rapid
10
response to, assessment of, and early intervention for a child or youth eighteen (18) years of age
11
and younger experiencing an acute mental health crisis. Symptoms might include, but are not
12
limited to:
13
(1) Aggression;
14
(2) Self-injury;
15
(3) Trauma;
16
(4) Acute depression/anxiety;
17
(5) Challenges at school; Suicidal or homicidal thoughts/behaviors; and
18
(6) Extreme parent/child conflict.
19
Mobile response and stabilization services are provided by “certified providers” meaning
20
licensed behavioral health organizations providing outpatient services, which have demonstrated
21
expertise in delivering child-specific mobile response and stabilization services, and have obtained
22
relevant state licensure or certification.
23
(b) Every individual or group health insurance contract, or every individual or group
24
hospital or medical expense insurance policy, plan, or group policy delivered, issued for delivery,
25
or renewed in this state on or after January 1, 2026, shall provide coverage for mobile response and
26
stabilization services, consistent with the core components of the mobile crisis model, and in
27
accordance with the insurer’s existing reimbursement, credentialing, and contracting processes,
28
provided any utilization review processes do not limit timely access or fidelity to the model.
29
(c) This section shall not apply to insurance coverage providing benefits for:
30
(1) Hospital confinement indemnity;
31
(2) Disability income;
32
(3) Accident only;
33
(4) Long-term care;
34
(5) Medicare supplement;

LC005016 - Page 5 of 7
1
(6) Limited benefit health;
2
(7) Specified disease indemnity;
3
(8) Sickness or bodily injury or death by accident or both; and
4
(9) Other limited benefit policies.
5

(d) Insurers shall reimburse certified providers for mobile response and stabilization
6
services as defined in this section at rates of reimbursement equal to or greater than the prevailing
7
integrated state Medicaid rate for mobile response and stabilization services on or after October 1,
8
2026, using the state Medicaid payment methodology as established by the executive office of
9
health and human services.
10
SECTION 5. This act shall take effect upon passage.
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LC005016
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LC005016 - 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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LC005016 - Page 7 of 7