Bills: SB205, SB242, SB205, SB242

Keywords: appropriation, education funding, priority schools, Alabama education, State Department of Education, codification, state law, legal revisions, Alabama code, legislative updates, underground damage prevention, notification system, construction safety, infrastructure, commercial driver license, English proficiency, work authorization, impoundment, false documentation, 1136

Transcript Highlights:

• It is a resolution to urge and request the Department of Insurance to study and make recommendations
• regarding issues related to insurance coverage of motor vehicle damage repairs.
• Members, SR 164 is a result of a piece of legislation I had this year, an insurance committee dealing
• and Louisiana Citizens Property Insurance Corporation.
• Yes, this legislation came through insurance.

Bills: SCR12, HB1259, HB221, HB509, HCR117, HCR58, SCR29, SCR33, SB295, SB312, SB326, SB348, SB485, SCR9, SCR58, SB35, SB65, SB215, SB246, SB249, SB269, SB282, SB296, SB323, SB363, SB369, SB474, SB490, SB492, SB500, SB514, HCR32, HCR5, HCR95, HB75, HB198, HB244, HB302, HB325, HB623, HB719, HB749, HB755, HB761, HB797, HB823, HB1028, HB1049, HB1194, HB1199, HB1201, HB1222, HB17, HB27, HB36, HB41, HB73, HB140, HB166, HB181, HB211, HB223, HB226, HB271, HB308, HB337, HB399, HB410, HB487, HB690, HB712, HB730, HB750, HB759, HB762, HB775, HB906, HB966, HB968, HB1006, HB1009, HB1018, HB1036, HB1062, HB1081, HB1086, HB1098, HB1107, HB1112, HB1203, HB1215, HB1220, HB1242, HB1252, HB1256, SB208, SB217, SB274, SB283, SB300, SB341, SB382, SB387, SB389, SB401, SB408, SB449, SB469, HB74, HB119, HB134, HB368, HB414, HB552, HB732, HB776, HB848, HB870, HB953, HB956, HB1117, HB1236, SB29, SB42, SB43, SB78, SB149, SB441, HB210, HB258, HB359, HB468, HB784

Keywords: logging, recognition, John Keith, environment, safety, HB1259, mask penalty, masked felony, face covering, conceal identity, evade identification, sentencing enhancement, enhanced penalty, felony sentencing, crime deterrence, public safety, Louisiana criminal law, R.S. 14:313.2, R.S. 14:313, R.S. 14:329.7

Transcript Highlights:

• Seeing no questions, move to adopt without objection. piece of legislation I had this year an insurance
• Louisiana Citizens Property Insurance Corporation.
• House Bill 1199 by Representative Jordan is an act in Title 22 relative to health insurance.
• Yes, this legislation came through insurance.
• I sit on Senate Insurance, I mean on Senate Retirement.

Bills: SCR12, HB1259, HB221, HB509, HCR117, HCR58, SCR29, SCR33, SB295, SB312, SB326, SB348, SB485, SCR9, SCR58, SB35, SB65, SB215, SB246, SB249, SB269, SB282, SB296, SB323, SB363, SB369, SB474, SB490, SB492, SB500, SB514, HCR32, HCR5, HCR95, HB75, HB198, HB244, HB302, HB325, HB623, HB719, HB749, HB755, HB761, HB797, HB823, HB1028, HB1049, HB1194, HB1199, HB1201, HB1222, HB17, HB27, HB36, HB41, HB73, HB140, HB166, HB181, HB211, HB223, HB226, HB271, HB308, HB337, HB399, HB410, HB487, HB690, HB712, HB730, HB750, HB759, HB762, HB775, HB906, HB966, HB968, HB1006, HB1009, HB1018, HB1036, HB1062, HB1081, HB1086, HB1098, HB1107, HB1112, HB1203, HB1215, HB1220, HB1242, HB1252, HB1256, SB208, SB217, SB274, SB283, SB300, SB341, SB382, SB387, SB389, SB401, SB408, SB449, SB469, HB74, HB119, HB134, HB368, HB414, HB552, HB732, HB776, HB848, HB870, HB953, HB956, HB1117, HB1236, SB29, SB42, SB43, SB78, SB149, SB441, HB210, HB258, HB359, HB468, HB784

Keywords: logging, recognition, John Keith, environment, safety, HB1259, mask penalty, masked felony, face covering, conceal identity, evade identification, sentencing enhancement, enhanced penalty, felony sentencing, crime deterrence, public safety, Louisiana criminal law, R.S. 14:313.2, R.S. 14:313, R.S. 14:329.7

Summary: The Senate convened with 26 members present, heard a prayer from Dr. Steve Horn, and recited the pledge. The chamber then handled messages from the House, including concurrence in SCR 83 and appointment of conference committee members on several disagreements. A number of Senate resolutions were introduced or adopted, mostly creating study task forces or commending individuals and organizations, including resolutions on energy infrastructure, breast pump access, insurance coverage for auto repairs, biomarker testing, higher education funding, public-private partnership contracting, and various commendations. Several resolutions were adopted without objection, while others were returned to the calendar or concurred in by recorded vote, including SCR 29 and SCR 33 with House amendments. The Senate also considered House and Senate bills and resolutions returned from the House, with many measures adopted or concurred in. Notable actions included concurrence in HCR 117 on homeowner insurance claims processes, adoption of HCR 5 on special red drum harvest permits, and passage of bills on TOPS Tech eligibility (HB 325), vapor product permitting (HB 623), ABLE/Tuition Trust administration (HB 749), design services contracting (HB 755), rare cancer advisory board composition (HB 761), non-emergency medical transportation reimbursement (HB 1028), public meeting notices (HB 1049), healthy food retail financing (HB 1194), genetic testing coverage for SCN2A disorders (HB 1199), grocery initiative grants (HB 1222, which failed), and a constitutional amendment on retirement debt repayment order (HB 27). The chamber also adopted HCR 95, creating a joint rule requiring a fiscal review of certain tax measures for sales and use tax uniformity. Several measures drew extended debate. HB 181, which would allow the legislative auditor access to Medicaid and SNAP-related tax information for eligibility verification and fraud review, prompted concerns about privacy and scope but ultimately passed 26-8. HB 1220 on the State Board of Medical Examiners generated amendment discussion about board composition and transparency, including live video broadcasting of meetings, but was returned to the calendar before final action. HB 1018, creating a temporary local moratorium on certain alcohol permits in one Shreveport district, passed after discussion about broader policy solutions. The Senate then recessed for lunch at 2 p.m. after completing the subject-to-call list for the morning session.

Transcript Highlights:

• actions by insurers.
• Reported from Insurance favorably.
• Reported with amendments from Insurance.
• Reported with amendments from Insurance.
• Insurance with amendments.

Bills: HR115, HR116, HR117, HR118, HR112, HR113, HR114, HCR51, HCR52, SCR18, SCR20, SB14, SB76, SB118, SB142, SB156, SB170, SB197, SB234, SB258, SB287, SB288, SB313, SB315, SB393, SB396, SB426, SB427, HCR7, HB76, HB84, HB132, HB181, HB210, HB250, HB265, HB275, HB291, HB322, HB342, HB457, HB475, HB477, HB486, HB616, HB635, HB639, HB690, HB740, HB757, HB761, HB766, HB774, HB808, HB855, HB866, HB872, HB883, HB886, HB903, HB949, HB962, HB996, HB1003, HB1036, HB1054, HB1071, HB1076, HB1078, HB1113, HB1132, HB1146, HB1232, HB1233, HR15, HR20, HCR14, HCR6, HCR19, HCR10, HR74, HCR26, HCR35, HB98, HB108, HB131, HB151, HB161, HB288, HB294, HB305, HB310, HB320, HB336, HB380, HB392, HB403, HB420, HB459, HB476, HB540, HB615, HB631, HB637, HB648, HB665, HB682, HB789, HB813, HB815, HB835, HB870, HB905, HB915, HB933, HB938, HB987, HB1040, HB51, HB82, HB143, HB145, HB160, HB180, HB192, HB393, HB430, HB445, HB506, HB515, HB521, HB565, HB590, HB614, HB638, HB670, HB672, HB685, HB692, HB752, HB773, HB781, HB799, HB860, HB874, HB887, HB917, HB937, HB956, HB965, HB972, HB977, HB982, HB1006, HB1010, HB1044, HB1072, HB1088, HB1179, HB1200, HB81, HB400, HB154, HB410, HB463, HB827, HB868, HB952, HB953, HB140, HB750, HB911, HB52, HB961, HB399, HB401, HB901, HB9, HB58, HB193, HB284, HB570, HB577, HB582, HB605, HB733

Keywords: Kappa Alpha Psi, fraternity, Louisiana, commemoration, community engagement, recognition, state championship, basketball, sports achievement, school commendation, commendation, athletics, team sports, youth, community recognition, water utility, tax credit, excessive rates, residential service, subcommittee

Transcript Highlights:

• <00:17:35.280> division First up is DCCA's insurance division First up is DCCA's insurance
• Every insurer fraud detox only.
• I'm Meredith Nichols on behalf of DHS. insurance. Requires all health insurers, insurance.
• Texas, Louisiana, Utah, and Alabama. And Texas, Louisiana, Utah, and Alabama.
• funding requested by the Insurance funding requested by the Insurance Commissioner,<01:13:43.560

Bills: SB2433, SB2047, SB2425, SB3045, SB2761, SB3001, SB2852, SB2471

Keywords: condominium governance, education trust fund, unit owners, real estate, dispute resolution, financial obligations, community representation, pharmacy benefit managers, maximum allowable cost, transparency, drug pricing, insurance commissioner, contracting pharmacies, healthcare, substance use disorder, SUD, addiction treatment, behavioral health, mental health, rehabilitation

Summary: The committee heard testimony on SB 2433 SD1 relating to condominiums, which would direct the condominium education trust fund toward educational resources for unit owners and require the Real Estate Commission to ensure owners’ interests are represented in funded activities and related rulemaking. Supporters, including the Hawaii Real Estate Commission and a condominium owner advocate, said owners need a seat at the table in condo governance and education efforts. Committee discussion focused on whether the bill was necessary, with the Real Estate Commission indicating it could already use the trust fund for owner education and that owners are already considered stakeholders, though not through a specific commission seat. No vote was taken during the excerpted discussion. The committee then took up SB 2047 SD2 HD1 on pharmacy benefit managers, which would set requirements for maximum allowable cost reimbursement, allow reverse-and-rebill claims after successful appeals, and authorize fines for violations. The Insurance Division offered comments, the Hawaii Pharmacists Association supported the measure with amendments and suggested future PBM reform funding, and Kaiser Permanente requested a technical amendment. A committee question raised whether the staffing and resource request for implementation was too large for a bill focused only on MAC pricing, and the witness said he would provide more data to the next committee. No final action was shown. Next was SB 2425 SD2 HD1 on health insurance and substance use disorder treatment, requiring insurers to honor written assignments of benefits to SUD providers and prohibiting anti-assignment clauses. Supporters described patients being unable to access treatment because of high out-of-pocket costs and said direct payment would reduce harm for people in recovery. HMSA opposed the bill but said it would begin direct payments to non-participating SUD facilities effective March 27, while continuing to object to the assignment-of-benefits portion because of fraud and balance-billing concerns; the Hawaii Association of Health Plans also opposed. Members questioned HMSA about reimbursement mechanics and why the bill was needed if coverage policies were already changing. Finally, the committee heard SB 3045 SD1 HD1, which would require coverage of continuous glucose monitors and related supplies, including for Medicaid managed care, under certain conditions. DHS and the Insurance Division offered comments, while SHPDA, Hilo Benioff Medical Center Foundation, and others supported the bill, citing inconsistent access and a case in which a woman allegedly died after being denied a CGM. HMSA said it already covers medically necessary CGMs and had updated its policy in 2025 for type 1 and insulin-dependent patients, but it raised concerns about expanding mandated coverage to type 2 and gestational diabetes and about supply impacts. The committee also discussed whether the bill duplicated existing coverage standards and why it had been introduced repeatedly. No votes or final dispositions were included in the excerpt.

Transcript Highlights:

• prohibitions for adjusters and contractors, including prohibiting an adjuster from proposing to any insured
• that the adjuster represents the insured while the property is experiencing a loss-producing event or
• Members, the Weninger amendment to Senate Bill 1206, as at the— Owners who are in an insurance situation
• language, it prevents contractors from acting as adjusters because what it— owners who are in an insurance
• was: many of the issues in this strike-everything amendment are components of legislation enacted in Texas

Bills: SB1206, SB1254, SB1290, SB1421, SB1432, SB1515, SB1563, SB1641, SB1649, SB1670, SB1671, SB1747

Keywords: storm damage, catastrophic storm, hail damage, wind damage, roof repair, roof replacement, post-storm repairs, insurance claim, property and casualty insurance, adjuster, public adjuster, contractor licensing, homeowner protections, deductible waiver, insurance fraud prevention, storm chaser, residential construction contract, workers' compensation, joint check, claim solicitation

Transcript Highlights:

• That are ungraded, or Texas duck eggs that are ungraded. Any reported problems? No.
• SB1864 is a common sense update to the agriculture code.
• We don't have corporate attorneys or insurance teams to back us up.
• This is representing the Texas Poultry Federation against the bill, is that correct?
• Now, currently, today in the state of Texas, anybody can sell eggs.

Bills: SB1864

Keywords: eggs, ungraded eggs, egg grading, poultry, farm products, local food, small farmers, direct-to-consumer sales, wholesale food sales, food safety, refrigeration requirements, sanitation standards, occupational license, dealer-wholesaler license, Texas Department of Agriculture, restaurants, small grocery stores, cooperatives, farmers cooperative, agricultural regulation

Transcript Highlights:

• Preserving Texas spaceports is vital.
• Currently, there are over 1.5 million veterans that call Texas home.
• Preserving Texas spaceports is vital.
• We urge Texas legislators to champion policies recognizing the contributions of Texas veterans.
• , invest in Texas, and be the next generation of risk takers and job creators for Texas.

Bills: SB 390, SB 1197, SB 1271

Keywords: veteran-owned businesses, state contracting, historically underutilized business, economic opportunity, small business, economic development, veterans, certification, Texas legislation, unmanned aircraft, spaceport, criminal offense, aviation regulations, airspace safety, military installations, concurrent jurisdiction, governor's approval, state agency, land acquisition, Veteran Affairs

Summary: The meeting of the Committee on Veteran Affairs addressed several significant bills aimed at supporting veterans and their businesses. Among the bills discussed was SB390, which seeks to expand the definition of historically underutilized businesses to include all veteran-owned businesses, regardless of disability status. This change aims to create a more equitable economic landscape for veterans and to foster their participation in state procurement opportunities. The committee heard strong testimony supporting this initiative, emphasizing the importance of providing veterans with fair chances in business development.

Bills: HCR77, HCR102, HR559

Keywords: COFA, Compact of Free Association, Palau, Marshall Islands, Micronesia, COFA islanders, Texas House resolution, commemorative resolution, COFA Day, March 18 2025, Pacific Islands, insular affairs, U.S. territories, federal benefits, SNAP, TANF, FEMA, in-state tuition, veterans, Indo-Pacific

Bills: HR72, HR73, HR74, HR75, HR76, HR77, HR78, HR79, HR80, HR81, HR82, HR83, HCR36, HCR37, HCR38, HCR39, HCR40, HCR41, HB368, HB433, HB1017, HB1018, HB1019, HB1020, HB1021, HB1022, HB1023, HB1024, HB1025, HB1026, HB1027, HB1028, HB1029, HB1030, HB1031, HB1032, HB1033, HB1034, HB1035, HB1036, HB1037, HB1038, HB1039, HB1040, HB1041, HB1042, HB1043, HB1044, HB1045, HB1046, HB1047, HB1048, HB1049, HB1050, HB1051, HB1052, HB1053, HB1054, HB1055, HB1056, HB1057, HB1058, HB1059, HB1060, HB1061, HB1062, HB1063, HB1064, HB1065, HB1066, HB1067, HB1068, HB1069, HB1070, HB1071, HB1072, HB1073, HB1074, HB1075, HB1076, HB1077, HB1078, HB1079, HB1080, HB1081, HB1082, HB1083, HB1084, HR70, HR71, HCR35, HB31, HB326, HB1013, HB1014, HB1015, HB1016, SB192, SB196, SB198, SB203, SB204, SB214, SB216, SB257, SB291, SB383, HB13, HB23, HB25, HB32, HB41, HB42, HB90, HB120, HB121, HB122, HB127, HB138, HB139, HB141, HB179, HB187, HB213, HB247, HB286, HB332, HB344, HB357, HB367, HB370, HB462, HB505, HB527, HB537, HB605, HB680, HB681, HB725, HB780, HB782, HB847, HB892, HB911, HB916, HB1012, HR15, HR20, HCR14, HB53, HB57, HB64, HB102, HB106, HB111, HB137, HB152, HB155, HB177, HB238, HB256, HB258, HB337, HB359, HB363, HB386, HB434, HB546, HB557, HB584, HB661, HB697, HB726, HB727, HB747, HB756, HB758, HB759, HB765, HB767, HB825, HB858, HB930, HB941, HB957, HB964, HB58, HB69, HB93, HB166, HB199, HB201, HB202, HB218, HB223, HB224, HB231, HB235, HB246, HB338, HB349, HB352, HB379, HB405, HB429, HB535, HB547, HB577, HB588, HB626, HB636, HB652, HB653, HB669, HB688, HB691, HB721, HB738, HB806, HB851, HB857, HB861, HB889, HB904, HB907, HB908, HB929, HB1009, HB868, HB119, HB140, HB739, HB842, HB875, HB919, HB61, HB185, HB233, HB613, HB848, HB52, HB228, HB289, HB735, HB796, HB722, HB284, HB301, HB827, HB953, HB901, HB9, HB46, HB193, HB400, HB436, HB468, HB570, HB582, HB733, HB746, HB923, HB952

Keywords: HR72, House Resolution 72, Sophia Patout, Layla Porter, St. Amant High School, Future Farmers of America, FFA, Coastal Restoration Heroes, coastal restoration, Louisiana coast, coastal land loss, wetlands, saltmarsh, barrier island, West Grand Terre Island, Restore or Retreat Inc., smooth cordgrass, Spartina alterniflora, black mangrove, Avicennia germinans

Transcript Highlights:

• contractors and I don't trust insurance contractors and I don't trust insurance companies<00:04:
• And when he referenced the insurance company, he's talking about the city insurance because right now
• sector insurers.
• Cocking is here from the insurance federation and he represents the private insurers.
• and he represents the private insurers. and he represents the private insurers.

Bills: HF4133, HF3419

Keywords: homeowner's insurance, peace officer, property damage, just compensation, exclusion policy, corporate powers, entity law, business corporations, nonprofit corporations, LLC, limited liability company, cooperative, partnership, trust, foreign entity, campaign finance, election spending, political spending, ballot measure, ballot initiative

Transcript Highlights:

• Clarification of the definition of a corporate executive officer related to workers compensation insurance
• However, it falls short by not including the reasonable and necessary construction code and licensing
• and licensing fee construction codes and licensing fee alignment<00:24:35.279> proposal.
• <00:24:42.960> at<00:24:43.200> DLI codes and licensing division at DLI codes and licensing
• <00:26:04.559> and necessary construction code and necessary construction code and licensing

Bills: HF3228, HF2441

Keywords: workers' compensation, insurance programs, employee protection, Minnesota statutes, safety regulations, prevailing wage, certified payroll, payroll reporting, construction contracts, public works, project registration, labor standards, contractor compliance, subcontractor reporting, state government, Department of Administration, Commissioner of Labor and Industry, Metropolitan Council, highway construction, public construction

Transcript Highlights:

• Um, just basically restores a couple of words back to the code section that were taken out in a very

Bills: SB210, SB225, HB280, HB287, HB94, HB88, SB157, HB7, HB8, HB42

Keywords: hospital liens, medical billing, government healthcare, insurance claims, patient rights, blood tests, DUI, law enforcement, traffic offenses, chemical analysis, public nuisance, event liability, local government, community health, legal action, transparency, reporting, public safety, regulation, accountability

Transcript Highlights:

• The bill ties valuation to the federal state tax standard under Internal Revenue Code Section 2031.
• We advocate for a fair tax code and a budget to meet our public investment needs.
• Um we advocate for a fair<01:03:41.840> tax<01:03:42.120> code<01:03:42.360> and
• Um, but you made a statement that we would update Minnesota's tax code with the rest of the world.
• In Minnesota, we've seen this already with our tax code.

Bills: HF4621, HF4123, HF4616, HF1183

Keywords: child tax credit, financial assistance, low-income families, state revenue, tax policy, net investment income, taxation, business income, self-employment, tax increase, wealth tax, fairness, public services, high-income earners, economic equity, Internal Revenue Code, employee classification, federal law, Minnesota statutes, 1183

Bills: SB874, SB2098, SB2110, SB2126, SB2154, SB2160, HB818, SB2047, SB2116, SB2246, SB2250, SB2334, SB2505, SB2520, SB2561, SB2721, SB2820, SB2971, SB3019

Keywords: veterinary medicine, prescription, consumer rights, transparency, pet medication, agriculture, clean plant program, disease-free plants, Hawaii agriculture, plant propagation, conservation, soil health, climate change, food security, small farmers, technical assistance, Hawaii, grant program, small farms, midsize farms

Transcript Highlights:

• Private insurance is required to cover this service by federal law, but access does not.
• the city or town's fire code is not substantially less stringent than the current state fire code.
• Whose fire code should be enforced with respect to county buildings inside a city's limits?
• Specifically, whether it should be the city's fire code or the state's.
• an entirely new code.

Bills: HB2051, HB2324, HB2439, HB2457, HB2686, HB2837, HB2875, HB2953

Keywords: AHCCCS, lactation care, breastfeeding, health services, healthcare access, HB2324, fire code, fire marshal, state fire marshal, municipalities, cities and towns, county-owned buildings, county buildings, intergovernmental agreement, IGA, fire inspection, occupancy certificate, building inventory, local government, county government

Transcript Highlights:

• And so, if we pass this into law, the state of Texas will only use the term "HUD code manufactured home
• But what you just said was you're looking to have the Texas code match the federal code, which is...
• The HUD code is administered as basically a federal building code.
• be built to a HUD code.
• Texas.

Bills: HB303, HB 1107, HB 1063, HB1517, HB1991, HB2464, HB3509, HB3527, HB303

Keywords: municipality, local government, Type A, Type B, Type C, change authority, emergency medical services, civil service status, municipal government, public safety, local government code, school funding, education, state budget, local control, equity, tenant legal services, eviction, low-income tenants, disability rights

Transcript Highlights:

• They're destroying the tourism and fishing industries in Texas and killing many. ecosystems in Texas
• In Texas, many Texas cities... Everything goes down the same drain to the same treatment facility.
• So again, Texas Water Association is a state association focused on sound water policy for Texas.
• Texas A&M received $1.6 million and Texas Tech received $1.6 million.
• Sure, so the Fertilizer Act falls under Chapter 16.63 of the Texas Agricultural Code.

Bills: HB1341, HB1674, HB4028, SB2321

Keywords: hydrogen sulfide, public health, environmental regulation, Texas Commission on Environmental Quality, ground level concentrations, emissions limit, emissions limits, ground-level concentrations, air quality, PFAS, agriculture, environmental protection, health risks, criminal offense, chemical regulation, preproduction plastic, water quality, pollution control, industrial waste, emissions

Transcript Highlights:

• We have a move-in from Texas, so...
• Business and Insurance will meet immediately after session as soon as we get a quorum in room 535.
• The Administrative Rules Committee will meet after the adjournment of Business and Insurance and Energy

Bills: HB4248, HB4429, HB2588, HB3472, HB4317, HB3462, HB2035, HB3501, HB3127, HB3143, HB3144, HB3260, HB4321, HB3011, HB3522, HB3530, HB3940, HB3078, HB3043, HB3005, HB3007, HB3403, HB1907, HB3175, HB3986, HB3466, HB3411, HB4246, SJR49, HB3281, HB4319, HJR1086, HJR1024, HJR1087

Keywords: HB4248, hemp beverage, hemp drinks, THC beverage, cannabis beverage, intoxicating hemp, age restriction, under 21, minor possession, youth access, public health and safety, Title 63, Oklahoma Statutes, retail sales, alcohol-style regulation, controlled substances, beverage regulation, proxy advisory services, shareholder rights, financial transparency

Transcript Highlights:

• She is the Director of Health and Life Insurance at the Office of the Superintendent of Insurance.
• I'm a registered lobbyist for America's Health Insurance Plans.
• It helps also for insurance to avoid surprise bills.
• , America's Health Insurance Plans, and the American Council of Life Insurers.
• So I work for a construction company, and our insurance party, Brookman's Coffee Insurance, issues random

Bills: SB20, SB53, SB86, SB96, SB129

Keywords: prior authorization, pharmacy benefits manager, PBM, health insurer, prescription drugs, step therapy, formulary, auto-adjudication, electronic portal, appeals, medical necessity, serious mental illness, mental health, schizophrenia, bipolar disorder, major depression, substance use disorder, addiction treatment, cancer, autoimmune disorder