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State laws mandating or regulating mental health benefits

Requires health insurers to provide coverage for biologically based mental illnesses, including schizophrenia, schizoaffective disorder, major depression, bipolar disorder, delusional disorders, panic disorder, obsessive compulsive disorder, anorexia and bulimia, under the same terms and conditions of coverage offered for physical illnesses.Requires larger employers (51 or more employees) that choose to provide mental health benefits to provide equal lifetime and annual caps for mental health benefits as is provided for other physical illnesses, and provide the same dollar limits, deductibles, and coinsurance factors.

Establishes a task force to study the impact of adding these illnesses at a later date.

Does not mandate coverage or cover substance abuse treatment.

Exempts small businesses with 50 or fewer employees and provides for a four-percent cost-increase exemption.

Provides that policies shall not establish any terms, conditions or benefits that place a greater financial burden on an insured for access to diagnosis or treatment of mental conditions than are placed on treatment of other physical conditions.

The statute defines mental conditions as the mental disorders included in the most recent edition of the DSM-IV, including addictive disorders.

Comments State laws mandating or regulating mental health benefits