Texas House Bill HB2969

Texas 2009 - 81st Regular

Caption

Relating to health benefit plan coverage for an enrollee with certain mental disorders.

Impact

The proposed changes will affect how group health benefit plans operate regarding mental health coverage. Specifically, it mandates that any exclusion or limitation on coverage for mental disorders must not be less than the coverage provided for physical illnesses. This aligns mental health services more closely with physical health services, combating the historical trend of differential treatment. Ultimately, this could lead to improved access to necessary mental health services, reducing disparities in care.

Summary

House Bill 2969 seeks to amend the Texas Insurance Code to enhance health benefit plan coverage for individuals suffering from specific mental disorders, ensuring that such coverage is on par with physical illnesses. The bill defines 'mental disorders' per the standards set by the American Psychiatric Association, maintaining a broad scope that includes conditions like bipolar disorder, schizophrenia, and autism spectrum disorder. The legislation is aimed at creating a more equitable healthcare framework where mental health services are adequately covered by health benefit plans.

Contention

While the bill has garnered support for its aim to enhance mental health coverage, concerns have been raised regarding its implementation and the potential increased costs to insurers and consumers. Detractors argue that mandating equal treatment for mental and physical health could drive up insurance premiums, potentially making coverage less accessible for some populations. The balance between ensuring comprehensive coverage and maintaining manageable costs remains a significant point of contention among stakeholders in the insurance and healthcare sectors.