Relating To Health Insurance.
The impact of SB728 on state law primarily revolves around the addition of new sections to the Hawaii Revised Statutes. These sections (431:10A-A, 431:10A-B, and related amendments) initiate requirements for insurers and mutual benefit societies to bear the costs associated with annual mental health screenings. The bill also includes a provision for an auditor to conduct an impact assessment report to evaluate the social and financial implications of this mandate, suggesting that the legislature is considering both immediate and long-term consequences of the new law.
Senate Bill 728 (SB728) proposes amendments to Hawaii's health insurance laws to mandate coverage for annual mental health screenings. Specifically, the bill mandates that all individual and group policies of accident and health insurance issued or renewed after December 31, 2021, provide coverage for these screenings. This is aimed at increasing access to mental health care and ensuring that individuals receive timely evaluations that may lead to earlier detection and treatment of mental health issues.
While the intent of SB728 is aligned with enhancing mental health services, potential points of contention may arise during discussions on the financial implications for insurers. Critics may argue about the potential rise in insurance premiums as a result of mandated coverage, while supporters emphasize the public health benefits of early mental health interventions. Additionally, there may be discussions regarding the difference in service access between urban and rural areas, highlighting potential disparities in healthcare availability.