20-2322

20-2322. Mental health services and benefits;
definitions

A. Beginning on January 1, 1998, any health benefits plan that is offered by an
accountable health plan and that provides services or health benefits that include mental
health services or mental health benefits shall comply with this section.

B. If the health benefits plan does not include an aggregate lifetime limit on
substantially all health services or health benefits that are not related to mental
health services or mental health benefits, the health benefits plan shall not impose any
aggregate lifetime limit on mental health services or mental health benefits. If the
health benefits plan includes an aggregate lifetime limit on substantially all health
services or health benefits that are not related to mental health services or mental
health benefits, the health benefits plan shall either:

1. Apply the applicable lifetime limit to both the health services or health
benefits that are not related to mental health services or mental health benefits and to
the mental health services or mental health benefits.

2. Not include an aggregate lifetime limit on mental health services or mental
health benefits that is less than the applicable lifetime limit for health services or
health benefits that are not related to mental health services or mental health benefits.

C. If the health benefits plan does not include an aggregate annual limit on
substantially all health services or health benefits that are not related to mental
health services or mental health benefits, the health benefits plan shall not impose any
aggregate annual limit on mental health services or mental health benefits. If the
health benefits plan includes an aggregate annual limit on substantially all health
services or health benefits that are not related to mental health services or mental
health benefits, the health benefits plan shall either:

1. Apply the applicable annual limit to both the health services or health benefits
that are not related to mental health services or mental health benefits and to the
mental health services or mental health benefits.

2. Not include any aggregate annual limit on mental health services or mental
health benefits that is less than the applicable annual limit for health services or
health benefits that are not related to mental health services or mental health benefits.

D. Except as provided in subsections A, B and C, this section does not prevent an
accountable health plan that offers a health benefits plan that provides mental health
services or mental health benefits from imposing terms and conditions, including cost
sharing, limits on the number of visits or days of coverage or requirements relating to
medical necessity in relation to the amount, duration or scope of coverage for mental
health services or mental health benefits under the health benefits plan. Nothing in
this section requires an accountable health plan to:

1. Offer a health benefits plan that provides mental health services or mental
health benefits.

2. Comply with this section in connection with any health benefits plan offered to
a small employer.

3. Comply with this section if that compliance under the health benefits plan
offered by the accountable health plan would result in an increase in the cost to the
health benefits plan of at least one per cent.

E. The requirements of this section apply separately to each health benefits plan
offered by an accountable health plan and shall be consistent with title VII of the
health insurance portability and accountability act of 1996 (P.L. 104-204; 110 Stat.
2944) and 45 Code of Federal Regulations part 146.

F. Mental health services or mental health benefits do not include benefits for the
treatment of substance abuse or chemical dependency.

G. For the purposes of this section:

1. "Aggregate annual limit" means a dollar limitation on the total amount that may
be paid in a twelve month period for benefits or services under a health benefits plan
for an individual who is covered under a health benefits plan.

2. "Aggregate lifetime limit" means a dollar limitation on the total amount that
may be paid for benefits or services under a health benefits plan for an individual who
is covered under a health benefits plan.