Relating to the requirement and study of insurance coverage for serious emotional disturbance of a child.
Impact
The introduction of HB 709 will directly influence existing state insurance laws by ensuring that mental health treatment for children is afforded the same level of coverage and consideration as physical health treatments. This legislative action is expected to improve accessibility to necessary mental health services for children, which can be critical in addressing early signs of emotional and behavioral disorders. Additionally, it may prompt insurance providers to restructure their coverage offerings to comply with these new requirements, thereby enhancing the overall standard of mental health care in the state.
Summary
House Bill 709 aims to mandate insurance coverage for serious emotional disturbances in children, defined as significant mental, behavioral, or emotional disorders that interfere with a child's functioning in various areas, such as family, school, and community. The bill stipulates that a group health benefit plan must provide a minimum of 45 days of inpatient treatment and 60 outpatient visits annually, without imposing any lifetime caps on these services. Furthermore, it seeks to ensure parity between mental health and physical health treatment coverage under the plans, encompassing deductibles and copayments.
Contention
Throughout discussions regarding HB 709, notable points of contention arose primarily concerning the potential financial implications for insurance providers and small employers. Supporters argue that the bill is vital for the mental health of children and aligns with modern standards of holistic healthcare, advocating for the necessity of comprehensive mental health treatment. However, critics have expressed concerns related to the increased costs associated with required expansions of services, particularly for small businesses that provide employee health plans. This juxtaposition between ensuring necessary care and managing financial burdens is likely to be a point of debate as the bill advances.
Texas Constitutional Statutes Affected
Insurance Code
Chapter 1355. Benefits For Certain Mental Disorders
Relating to professional liability insurance coverage for and prohibitions on the provision to certain children of procedures and treatments for gender transitioning, gender reassignment, or gender dysphoria and to the abuse of a child.