Texas Senate Bill SB314

Texas 2019 - 86th Regular

Caption

Relating to the requirement and study of insurance coverage for serious emotional disturbance of a child.

Impact

The bill requires insurers to cover at least 45 days of inpatient care and 60 outpatient visits annually without lifetime limitations on these services. Additionally, it stipulates that coverage for emotional disturbances should have the same limits and terms as physical illness treatment, thereby elevating the standard of care for mental health in children. This could significantly impact how insurance companies structure their health plans and offer services to families with children facing these difficulties.

Summary

SB314 is a legislative bill aimed at addressing the insurance coverage requirements for serious emotional disturbances in children. The bill introduces the definition of 'serious emotional disturbance of a child,' encompassing emotional or behavioral disorders that impair a child's functioning. It mandates that group health benefit plans must provide coverage for such disturbances, focusing specifically on necessary inpatient and outpatient treatment.

Contention

Points of contention surrounding SB314 may arise regarding the potential strain it could place on insurance providers and whether such sweeping coverage requirements might lead to increased costs for health plans overall. Some stakeholders could argue that the bill may create a financial burden on insurers, possibly affecting premiums for all policyholders. On the other hand, advocates for children's mental health may argue that such coverage is essential for ensuring that children get the appropriate care they need without financial barriers.