Requires insurance policies to provide coverage for services related to the diagnosis and treatment of mental, nervous or emotional disorders or ailments; makes related provisions.
Summary
Bill A00021 mandates that all insurance policies providing medical, major medical, or similar comprehensive-type coverage must include provisions for children under the age of eighteen. Specifically, it requires coverage for services related to the diagnosis and treatment of mental, nervous, or emotional disorders, including biologically based mental illnesses and serious emotional disturbances. The coverage must be equivalent to that provided for other mental health disorders without additional cost sharing, ensuring that children have access to necessary mental health services in psychiatric centers and facilities under state jurisdiction.
Impact
This legislation will amend existing insurance laws in New York, specifically sections 3216, 3221, and 4303 of the insurance law. By requiring insurance providers to cover mental health services for children, it aims to improve access to mental health care for minors, potentially reducing the financial burden on families seeking these essential services. The bill could lead to increased utilization of mental health services among children, which may have broader implications for public health and welfare.
Sentiment
The sentiment surrounding Bill A00021 appears to be generally positive, as it addresses a critical need for mental health services for children. Advocates for mental health awareness and child welfare are likely to support the bill, viewing it as a necessary step in ensuring that children receive adequate care. However, there may be concerns from insurance companies regarding the potential increase in costs associated with mandated coverage.
Contention
Notable points of contention may arise from insurance providers who could argue that the mandated coverage may lead to higher premiums or financial strain on their operations. Additionally, there may be discussions about the adequacy of existing mental health services and whether the bill sufficiently addresses the needs of all children, particularly those in underserved communities.
Requires insurance policies to provide coverage for services related to the diagnosis and treatment of mental, nervous or emotional disorders or ailments; makes related provisions.
Providing for patient access to diagnostics and treatments for Lyme disease and related tick-borne illnesses; and requiring health care policies to provide certain coverage.