Bill > H836

This bill requires that disability insurance policies, both individual and group, that provide income replacement benefits and are issued or renewed in the Commonwealth must treat behavioral health disorders the same as physical disorders when it comes to benefit limitations or exclusions, meaning insurers cannot impose stricter rules for mental health conditions than they do for physical ones. This aims to achieve mental health parity, ensuring that individuals with behavioral health disorders receive comparable coverage to those with physical disorders, and it clarifies that this does not prevent insurers from requiring comparable medical exams to verify a disability, as long as these requirements are not more frequent or burdensome than those for physical disabilities.