Bill > S04529

This bill amends the insurance law to require insurers to provide inpatient coverage for the diagnosis and treatment of substance use disorder, including clinically necessary treatment in residential settings at the discretion of the service provider. The bill also prohibits financial requirements or treatment limitations on these benefits that are more restrictive than those applied to medical and surgical benefits. The bill defines "clinical necessity" to include both an individual's medical needs and any social determinants of health that will promote their stability following discharge from treatment. The bill aims to align the coverage requirements with the federal Mental Health Parity and Addiction Equity Act.