Bill > SB1327

This bill amends the Illinois Insurance Code to expand mental health parity requirements to disability insurance and disability income insurance policies. Specifically, the bill requires that insurers who offer disability insurance or disability income insurance provide benefits for mental, emotional, nervous, or substance use disorders that are no more restrictive than benefits for other medical conditions. This means insurers cannot impose separate or more limiting financial requirements, treatment limitations, or payment restrictions for mental health benefits compared to physical health benefits. The bill also mandates that the Department of Insurance collect detailed data about disability insurance plans, including the number of policies, benefit periods, and premium rates for plans with and without mental health limitations. By requiring insurers to treat mental health benefits equally to other medical benefits, the bill aims to ensure that individuals with mental health conditions receive fair and comprehensive insurance coverage. The legislation builds upon existing mental health parity laws and is consistent with federal regulations like the Mental Health Parity and Addiction Equity Act of 2008.

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https://www.ilga.gov/legislation/BillStatus.asp?DocNum=1327&GAID=18&DocTypeID=SB&SessionID=114&GA=104