Relating to health benefit plan coverage for certain physical injuries that are self-inflicted by a minor.
Impact
If enacted, the law would amend the Texas Insurance Code by establishing a new chapter specifically aimed at protecting minors. The legislation would obligate various health benefit plans, including those issued by insurance companies, health maintenance organizations, and school districts, to provide this specific coverage. This inclusion is expected to serve as a significant step towards improving mental health support for minors and ensuring they receive necessary medical care without the added financial burden typically associated with treatment.
Summary
House Bill 2975 seeks to ensure that health benefit plans provide coverage for certain self-inflicted physical injuries incurred by minors. Specifically, it mandates that plans cover physical injuries related to suicide attempts or other self-inflicted harm, irrespective of the minor's mental health status at the time. This legislative measure aims to address a critical gap in mental healthcare coverage for vulnerable populations, particularly minors who might struggle with serious mental illnesses like depression, anxiety, or other disorders that could lead to self-harm.
Contention
The bill is anticipated to generate discussions on the implications of mandating such coverage on insurance premiums and plan structures. Some stakeholders may express concerns regarding the potential financial impact on insurers and whether such requirements could lead to increased premiums across the board. Additionally, there may be debates surrounding the challenges of adequately diagnosing and treating serious mental illnesses in minors, raising questions about the effectiveness of the mandated coverage on healthcare outcomes and public health overall.