Bill Text: TX HB2096 | 2017-2018 | 85th Legislature | Introduced
Bill Title: Relating to access to and benefits for mental health conditions and substance use disorders.
Spectrum: Partisan Bill (Republican 1-0)
Status: (Introduced - Dead) 2017-03-16 - Referred to Public Health [HB2096 Detail]
Download: Texas-2017-HB2096-Introduced.html
85R3974 MEW-D | ||
By: Price | H.B. No. 2096 |
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relating to access to and benefits for mental health conditions and | ||
substance use disorders. | ||
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: | ||
SECTION 1. Subchapter B, Chapter 531, Government Code, is | ||
amended by adding Sections 531.02251 and 531.02252 to read as | ||
follows: | ||
Sec. 531.02251. OMBUDSMAN FOR BEHAVIORAL HEALTH ACCESS TO | ||
CARE. (a) In this section, "ombudsman" means the individual | ||
designated as the ombudsman for behavioral health access to care. | ||
(b) The executive commissioner shall designate an ombudsman | ||
for behavioral health access to care. | ||
(c) The ombudsman is administratively attached to the | ||
office of the ombudsman for the commission. | ||
(d) The ombudsman serves as a neutral party to help | ||
consumers, including consumers who are uninsured or have public or | ||
private health benefit coverage, and behavioral health care | ||
providers navigate and resolve issues related to consumer access to | ||
behavioral health care, including care for mental health conditions | ||
and substance use disorders. | ||
(e) The ombudsman shall: | ||
(1) interact with consumers and behavioral health care | ||
providers with concerns or complaints to help the consumers and | ||
providers resolve behavioral health care access issues; | ||
(2) identify, track, and help report potential | ||
violations of state or federal rules, regulations, or statutes | ||
concerning the availability of, and terms and conditions of, | ||
benefits for mental health conditions or substance use disorders, | ||
including potential violations related to nonquantitative | ||
treatment limitations; | ||
(3) report concerns, complaints, and potential | ||
violations described by Subdivision (2) to the appropriate | ||
regulatory or oversight agency; | ||
(3) provide appropriate referrals to help consumers | ||
obtain behavioral health care; | ||
(4) develop appropriate points of contact for | ||
referrals to other state and federal agencies; and | ||
(5) provide appropriate referrals and information to | ||
help consumers or providers file appeals or complaints with the | ||
appropriate entities, including insurers and other state and | ||
federal agencies. | ||
(f) The ombudsman shall participate on the mental health | ||
condition and substance use disorder parity work group established | ||
under Section 531.02252, and provide summary reports of concerns, | ||
complaints, and potential violations described by Subsection | ||
(e)(2) to the work group. This subsection expires September 1, | ||
2021. | ||
(g) The Texas Department of Insurance shall appoint a | ||
liaison to the ombudsman to receive reports of concerns, | ||
complaints, and potential violations described by Subsection | ||
(e)(2) from the ombudsman, consumers, or behavioral health care | ||
providers. | ||
Sec. 531.02252. MENTAL HEALTH CONDITION AND SUBSTANCE USE | ||
DISORDER PARITY WORK GROUP. (a) The commission shall establish and | ||
facilitate a mental health condition and substance use disorder | ||
parity work group at the office of mental health coordination to | ||
increase understanding of and compliance with state and federal | ||
rules, regulations, and statutes concerning the availability of, | ||
and terms and conditions of, benefits for mental health conditions | ||
and substance use disorders. | ||
(b) The work group may be a part of or a subcommittee of the | ||
behavioral health advisory committee. | ||
(c) The work group is composed of: | ||
(1) a representative of: | ||
(A) Medicaid and the child health plan program; | ||
(B) the office of mental health coordination; | ||
(C) the Texas Department of Insurance; | ||
(D) Medicaid managed care organizations; | ||
(E) commercial health benefit plans; | ||
(F) mental health provider organizations; | ||
(G) substance use disorder providers; | ||
(H) mental health consumer advocates; | ||
(I) substance use disorder treatment consumers; | ||
(J) family members of mental health or substance | ||
use disorder treatment consumers; | ||
(K) physicians; | ||
(L) hospitals; | ||
(M) children's mental health providers; | ||
(N) utilization review agents; and | ||
(O) independent review organizations; and | ||
(2) the ombudsman for behavioral health access to | ||
care. | ||
(d) The work group shall meet at least quarterly. | ||
(e) The work group shall study and make recommendations on: | ||
(1) increasing compliance with the rules, | ||
regulations, and statutes described by Subsection (a); | ||
(2) strengthening enforcement and oversight of these | ||
laws at state and federal agencies; | ||
(3) improving the complaint processes relating to | ||
potential violations of these laws for consumers and providers; | ||
(4) ensuring the commission and the Texas Department | ||
of Insurance can accept information concerns relating to these laws | ||
and investigate potential violations based on de-identified | ||
information and data submitted to providers in addition to | ||
individual complaints; and | ||
(5) increasing public and provider education on these | ||
laws. | ||
(f) The work group shall develop a strategic plan with | ||
metrics to serve as a road map to increase compliance with the | ||
rules, regulations, and statutes described by Subsection (a) in | ||
this state and to increase education and outreach relating to these | ||
laws. | ||
(g) Not later than September 1 of each even-numbered year, | ||
the work group shall submit a report to the appropriate committees | ||
of the legislature and the appropriate state agencies on the | ||
findings, recommendations, and strategic plan required by | ||
Subsections (e) and (f). | ||
(h) The work group is abolished and this section expires | ||
September 1, 2021. | ||
SECTION 2. The heading to Subchapter A, Chapter 1355, | ||
Insurance Code, is amended to read as follows: | ||
SUBCHAPTER A. [ |
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SERIOUS MENTAL ILLNESSES AND OTHER DISORDERS | ||
SECTION 3. Section 1355.001, Insurance Code, is amended by | ||
amending Subdivision (1) and adding Subdivisions (5), (6), and (7) | ||
to read as follows: | ||
(1) "Serious mental illness" means the following | ||
psychiatric illnesses as defined by the American Psychiatric | ||
Association in the Diagnostic and Statistical Manual of Mental | ||
Disorders (DSM), fifth edition, or a later edition adopted by the | ||
commissioner by rule: | ||
(A) bipolar disorders (hypomanic, manic, | ||
depressive, and mixed); | ||
(B) depression in childhood and adolescence; | ||
(C) major depressive disorders (single episode | ||
or recurrent); | ||
(D) obsessive-compulsive disorders; | ||
(E) paranoid and other psychotic disorders; | ||
(F) posttraumatic stress disorder; | ||
(G) schizo-affective disorders (bipolar or | ||
depressive); and | ||
(H) [ |
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(5) "Posttraumatic stress disorder" means a disorder | ||
that: | ||
(A) meets the diagnostic criteria for | ||
posttraumatic stress disorder specified by the American | ||
Psychiatric Association in the Diagnostic and Statistical Manual of | ||
Mental Disorders, fifth edition, or a later edition adopted by the | ||
commissioner by rule; and | ||
(B) results in an impairment of a person's | ||
functioning in the person's community, employment, family, school, | ||
or social group. | ||
(6) "Eating disorder" means: | ||
(A) any eating disorder described by the | ||
Diagnostic and Statistical Manual of Mental Disorders, fifth | ||
edition, or a later edition adopted by the commissioner by rule, | ||
including: | ||
(i) anorexia nervosa; | ||
(ii) bulimia nervosa; | ||
(iii) binge eating disorder; | ||
(iv) rumination disorder; | ||
(v) avoidant/restrictive food intake | ||
disorder; or | ||
(vi) any eating disorder not otherwise | ||
specified; or | ||
(B) any eating disorder contained in a subsequent | ||
edition of the Diagnostic and Statistical Manual of Mental | ||
Disorders published by the American Psychiatric Association and | ||
adopted by the commissioner by rule. | ||
(7) "Serious emotional disturbance of a child" means | ||
an emotional or behavioral disorder or a neuropsychiatric condition | ||
that causes a person's functioning to be impaired in thought, | ||
perception, affect, or behavior and that: | ||
(A) has been diagnosed, by a physician licensed | ||
to practice medicine in this state, a psychologist licensed to | ||
practice in this state, or a licensed professional counselor | ||
licensed to practice in this state, in a person who is at least 3 | ||
years of age and younger than 17 years of age; and | ||
(B) meets at least one of the following criteria: | ||
(i) the disorder substantially impairs the | ||
person's ability in at least two of the following activities or | ||
tasks: | ||
(a) self-care; | ||
(b) engaging in family relationships; | ||
(c) functioning in school; or | ||
(d) functioning in the community; | ||
(ii) the disorder creates a risk that the | ||
person will be removed from the person's home and placed in a more | ||
restrictive environment, including in a facility or program | ||
operated by the Department of Family and Protective Services or an | ||
agency that is part of the juvenile justice system; | ||
(iii) the disorder causes the person to: | ||
(a) display psychotic features or | ||
violent behavior; or | ||
(b) pose a danger to the person's self | ||
or others; or | ||
(iv) the disorder results in the person | ||
meeting state special education eligibility requirements for | ||
serious emotional disturbance. | ||
SECTION 4. Section 1355.002, Insurance Code, is amended by | ||
amending Subsection (a) and adding Subsections (c) and (d) to read | ||
as follows: | ||
(a) This subchapter applies only to a [ |
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plan that provides benefits for medical or surgical expenses | ||
incurred as a result of a health condition, accident, or sickness, | ||
including: | ||
(1) an individual, [ |
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insurance policy or [ |
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service contract, [ |
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or a similar coverage document, that is offered by: | ||
(A) an insurance company; | ||
(B) a group hospital service corporation | ||
operating under Chapter 842; | ||
(C) a fraternal benefit society operating under | ||
Chapter 885; | ||
(D) a stipulated premium company operating under | ||
Chapter 884; [ |
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(E) a health maintenance organization operating | ||
under Chapter 843; [ |
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(F) a reciprocal exchange operating under | ||
Chapter 942; | ||
(G) a Lloyd's plan operating under Chapter 941; | ||
(H) an approved nonprofit health corporation | ||
that holds a certificate of authority under Chapter 844; or | ||
(I) a multiple employer welfare arrangement that | ||
holds a certificate of authority under Chapter 846; and | ||
(2) to the extent permitted by the Employee Retirement | ||
Income Security Act of 1974 (29 U.S.C. Section 1001 et seq.), a plan | ||
offered under: | ||
(A) a multiple employer welfare arrangement as | ||
defined by Section 3 of that Act; or | ||
(B) another analogous benefit arrangement. | ||
(c) Notwithstanding Section 1501.251 or any other law, this | ||
subchapter applies to coverage under a small employer health | ||
benefit plan subject to Chapter 1501. | ||
(d) This subchapter applies to a standard health benefit | ||
plan issued under Chapter 1507. | ||
SECTION 5. The heading to Section 1355.003, Insurance Code, | ||
is amended to read as follows: | ||
Sec. 1355.003. EXCEPTIONS [ |
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SECTION 6. Section 1355.003, Insurance Code, is amended by | ||
amending Subsection (a) and adding Subsection (c) to read as | ||
follows: | ||
(a) This subchapter does not apply to coverage under: | ||
(1) [ |
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[ |
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(2) [ |
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(3) [ |
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does not provide benefits for mental health care or similar | ||
services; | ||
(4) [ |
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offered under Chapter 1551 or Chapter 1601; | ||
(5) [ |
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1355.151; or | ||
(6) [ |
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defined by Section 1652.002. | ||
(c) To the extent that this section would otherwise require | ||
this state to make a payment under 42 U.S.C. Section | ||
18031(d)(3)(B)(ii), a qualified health plan, as defined by 45 | ||
C.F.R. Section 155.20, is not required to provide a benefit under | ||
this subchapter that exceeds the specified essential health | ||
benefits required under 42 U.S.C. Section 18022(b). | ||
SECTION 7. Section 1355.004, Insurance Code, is amended to | ||
read as follows: | ||
Sec. 1355.004. REQUIRED COVERAGE FOR SERIOUS EMOTIONAL | ||
DISTURBANCE OF A CHILD AND SERIOUS MENTAL ILLNESS. (a) A [ |
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health benefit plan: | ||
(1) must provide coverage for serious emotional | ||
disturbance of a child diagnosed as described by Section 1355.001 | ||
and coverage, based on medical necessity, for serious mental | ||
illness for not less than the following treatments [ |
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(A) 45 days of inpatient treatment; and | ||
(B) 60 visits for outpatient treatment, | ||
including group and individual outpatient treatment; | ||
(2) may not include a lifetime limitation on the | ||
number of days of inpatient treatment or the number of visits for | ||
outpatient treatment covered under the plan; and | ||
(3) must include the same amount limitations, | ||
deductibles, copayments, and coinsurance factors for serious | ||
emotional disturbance of a child and serious mental illness as the | ||
plan includes for physical illness. | ||
(b) A [ |
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(1) may not count an outpatient visit for medication | ||
management against the number of outpatient visits required to be | ||
covered under Subsection (a)(1)(B); and | ||
(2) must provide coverage for an outpatient visit | ||
described by Subsection (a)(1)(B) under the same terms as the | ||
coverage the issuer provides for an outpatient visit for the | ||
treatment of physical illness. | ||
SECTION 8. Section 1355.005, Insurance Code, is amended to | ||
read as follows: | ||
Sec. 1355.005. MANAGED CARE PLAN AUTHORIZED. A [ |
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health benefit plan issuer may provide or offer coverage required | ||
by Section 1355.004 through a managed care plan. | ||
SECTION 9. Section 1355.006(b), Insurance Code, is amended | ||
to read as follows: | ||
(b) This subchapter does not require a [ |
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benefit plan to provide coverage for the treatment of: | ||
(1) addiction to a controlled substance or marihuana | ||
that is used in violation of law; or | ||
(2) mental illness that results from the use of a | ||
controlled substance or marihuana in violation of law. | ||
SECTION 10. Subchapter A, Chapter 1355, Insurance Code, is | ||
amended by adding Section 1355.008 to read as follows: | ||
Sec. 1355.008. REQUIRED COVERAGE FOR EATING DISORDERS. (a) | ||
A health benefit plan must provide coverage, based on medical | ||
necessity, for the diagnosis and treatment of an eating disorder. | ||
(b) Coverage required under Subsection (a) is limited to a | ||
service or medication, to the extent the service or medication is | ||
covered by the health benefit plan, ordered by a licensed | ||
physician, psychiatrist, psychologist, or therapist within the | ||
scope of the practitioner's license and in accordance with a | ||
treatment plan. | ||
(c) On request from the health benefit plan issuer, an | ||
eating disorder treatment plan must include all elements necessary | ||
for the issuer to pay a claim under the health benefit plan, which | ||
may include a diagnosis, goals, and proposed treatment by type, | ||
frequency, and duration. | ||
(d) Coverage required under Subsection (a) is not subject to | ||
a limit on the number of days of medically necessary treatment | ||
except as provided by the treatment plan. | ||
(e) A health benefit plan issuer may conduct a utilization | ||
review of an eating disorder treatment plan not more than once each | ||
six months unless the physician, psychiatrist, psychologist, or | ||
therapist treating the enrollee under the treatment plan agrees | ||
that a more frequent review is necessary. An agreement to conduct | ||
more frequent review under this subsection applies only to the | ||
enrollee who is the subject of the agreement. | ||
(f) A health benefit plan issuer shall pay any costs of | ||
conducting a utilization review of coverage required under | ||
Subsection (a) or obtaining a treatment plan. | ||
(g) In conducting a utilization review of treatment for an | ||
eating disorder, including review of medical necessity or the | ||
treatment plan, a utilization review agent shall consider: | ||
(1) the overall medical and mental health needs of the | ||
individual with the eating disorder; | ||
(2) factors in addition to weight; and | ||
(3) the most recent Practice Guideline for the | ||
Treatment of Patients with Eating Disorders adopted by the American | ||
Psychiatric Association. | ||
SECTION 11. Section 1355.054(a), Insurance Code, is amended | ||
to read as follows: | ||
(a) Benefits of coverage provided under this subchapter may | ||
be used only in a situation in which: | ||
(1) the covered individual has a serious mental | ||
illness or serious emotional disturbance of a child that requires | ||
confinement of the individual in a hospital unless treatment is | ||
available through a residential treatment center for children and | ||
adolescents or a crisis stabilization unit; and | ||
(2) the covered individual's mental illness or | ||
emotional disturbance: | ||
(A) substantially impairs the individual's | ||
thought, perception of reality, emotional process, or judgment; or | ||
(B) as manifested by the individual's recent | ||
disturbed behavior, grossly impairs the individual's behavior. | ||
SECTION 12. Chapter 1355, Insurance Code, is amended by | ||
adding Subchapter F to read as follows: | ||
SUBCHAPTER F. COVERAGE FOR MENTAL HEALTH CONDITIONS AND SUBSTANCE | ||
USE DISORDERS | ||
Sec. 1355.251. DEFINITIONS. In this subchapter: | ||
(1) "Financial requirement" includes a requirement | ||
relating to a deductible, copayment, coinsurance, or other | ||
out-of-pocket expense or an annual or lifetime limit. | ||
(2) "Mental health benefit" means a benefit relating | ||
to an item or service for a mental health condition, as defined | ||
under the terms of a health benefit plan and in accordance with | ||
applicable federal and state law. | ||
(3) "Nonquantitative treatment limitation" includes: | ||
(A) a medical management standard limiting or | ||
excluding benefits based on medical necessity or medical | ||
appropriateness or based on whether a treatment is experimental or | ||
investigational; | ||
(B) formulary design for prescription drugs; | ||
(C) network tier design; | ||
(D) a standard for provider participation in a | ||
network, including reimbursement rates; | ||
(E) a method used by a health benefit plan to | ||
determine usual, customary, and reasonable charges; | ||
(F) a step therapy protocol; | ||
(G) an exclusion based on failure to complete a | ||
course of treatment; and | ||
(H) a restriction based on geographic location, | ||
facility type, provider specialty, and other criteria that limit | ||
the scope or duration of a benefit. | ||
(4) "Substance use disorder benefit" means a benefit | ||
relating to an item or service for a substance use disorder, as | ||
defined under the terms of a health benefit plan and in accordance | ||
with applicable federal and state law. | ||
(5) "Treatment limitation" includes a limit on the | ||
frequency of treatment, number of visits, days of coverage, or | ||
other similar limit on the scope or duration of treatment. The term | ||
includes a nonquantitative treatment limitation. | ||
Sec. 1355.252. APPLICABILITY OF SUBCHAPTER. (a) This | ||
subchapter applies only to a health benefit plan that provides | ||
benefits for medical or surgical expenses incurred as a result of a | ||
health condition, accident, or sickness, including an individual, | ||
group, blanket, or franchise insurance policy or insurance | ||
agreement, a group hospital service contract, an individual or | ||
group evidence of coverage, or a similar coverage document, that is | ||
offered by: | ||
(1) an insurance company; | ||
(2) a group hospital service corporation operating | ||
under Chapter 842; | ||
(3) a fraternal benefit society operating under | ||
Chapter 885; | ||
(4) a stipulated premium company operating under | ||
Chapter 884; | ||
(5) a health maintenance organization operating under | ||
Chapter 843; | ||
(6) a reciprocal exchange operating under Chapter 942; | ||
(7) a Lloyd's plan operating under Chapter 941; | ||
(8) an approved nonprofit health corporation that | ||
holds a certificate of authority under Chapter 844; or | ||
(9) a multiple employer welfare arrangement that holds | ||
a certificate of authority under Chapter 846. | ||
(b) Notwithstanding Section 1501.251 or any other law, this | ||
subchapter applies to coverage under a small employer health | ||
benefit plan subject to Chapter 1501. | ||
(c) This subchapter applies to a standard health benefit | ||
plan issued under Chapter 1507. | ||
Sec. 1355.253. EXCEPTIONS. (a) This subchapter does not | ||
apply to: | ||
(1) a plan that provides coverage: | ||
(A) for wages or payments in lieu of wages for a | ||
period during which an employee is absent from work because of | ||
sickness or injury; | ||
(B) as a supplement to a liability insurance | ||
policy; | ||
(C) for credit insurance; | ||
(D) only for dental or vision care; | ||
(E) only for hospital expenses; or | ||
(F) only for indemnity for hospital confinement; | ||
(2) a Medicare supplemental policy as defined by | ||
Section 1882(g)(1), Social Security Act (42 U.S.C. Section | ||
1395ss(g)(1)); | ||
(3) a workers' compensation insurance policy; | ||
(4) medical payment insurance coverage provided under | ||
a motor vehicle insurance policy; or | ||
(5) a long-term care policy, including a nursing home | ||
fixed indemnity policy, unless the commissioner determines that the | ||
policy provides benefit coverage so comprehensive that the policy | ||
is a health benefit plan as described by Section 1355.252. | ||
(b) To the extent that this section would otherwise require | ||
this state to make a payment under 42 U.S.C. Section | ||
18031(d)(3)(B)(ii), a qualified health plan, as defined by 45 | ||
C.F.R. Section 155.20, is not required to provide a benefit under | ||
this subchapter that exceeds the specified essential health | ||
benefits required under 42 U.S.C. Section 18022(b). | ||
Sec. 1355.254. REQUIRED COVERAGE FOR MENTAL HEALTH | ||
CONDITIONS AND SUBSTANCE USE DISORDERS. (a) A health benefit plan | ||
must provide benefits for mental health conditions and substance | ||
use disorders under the same terms and conditions applicable to | ||
benefits for medical or surgical expenses. | ||
(b) Coverage under Subsection (a) may not impose treatment | ||
limitations or financial requirements on benefits for a mental | ||
health condition or substance use disorder that are generally more | ||
restrictive than treatment limitations or financial requirements | ||
imposed on coverage of benefits for medical or surgical expenses. | ||
Sec. 1355.255. DEFINITIONS UNDER PLAN. (a) A health | ||
benefit plan must define a condition to be a mental health condition | ||
or not a mental health condition in a manner consistent with | ||
generally recognized independent standards of medical practice. | ||
(b) A health benefit plan must define a condition to be a | ||
substance use disorder or not a substance use disorder in a manner | ||
consistent with generally recognized independent standards of | ||
medical practice. | ||
Sec. 1355.256. COORDINATION WITH OTHER LAW; INTENT OF | ||
LEGISLATURE. This subchapter supplements Subchapters A and B of | ||
this chapter and Chapter 1368 and the department rules adopted | ||
under those statutes. It is the intent of the legislature that | ||
Subchapter A or B of this chapter or Chapter 1368 or the department | ||
rules adopted under those statutes controls in any circumstance in | ||
which that other law requires: | ||
(1) a benefit that is not required by this subchapter; | ||
or | ||
(2) a more extensive benefit than is required by this | ||
subchapter. | ||
Sec. 1355.257. RULES. The commissioner shall adopt rules | ||
necessary to implement this subchapter. | ||
SECTION 13. Section 1368.002, Insurance Code, is amended to | ||
read as follows: | ||
Sec. 1368.002. APPLICABILITY OF CHAPTER. (a) This chapter | ||
applies only to a [ |
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hospital and medical coverage or services on an expense incurred, | ||
service, or prepaid basis, including an individual, [ |
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blanket, or franchise insurance policy or insurance agreement, a | ||
group hospital service contract, an individual or group evidence of | ||
coverage, or a similar coverage document, or self-funded or | ||
self-insured plan or arrangement, that is offered in this state by: | ||
(1) an insurer; | ||
(2) a group hospital service corporation operating | ||
under Chapter 842; | ||
(3) a health maintenance organization operating under | ||
Chapter 843; [ |
||
(4) an employer, trustee, or other self-funded or | ||
self-insured plan or arrangement; | ||
(5) a fraternal benefit society operating under | ||
Chapter 885; | ||
(6) a stipulated premium company operating under | ||
Chapter 884; | ||
(7) a reciprocal exchange operating under Chapter 942; | ||
(8) a Lloyd's plan operating under Chapter 941; | ||
(9) an approved nonprofit health corporation that | ||
holds a certificate of authority under Chapter 844; or | ||
(10) a multiple employer welfare arrangement that | ||
holds a certificate of authority under Chapter 846. | ||
(b) Notwithstanding Section 1501.251 or any other law, this | ||
chapter applies to coverage under a small employer health benefit | ||
plan subject to Chapter 1501. | ||
(c) This chapter applies to a standard health benefit plan | ||
issued under Chapter 1507. | ||
SECTION 14. Section 1368.003, Insurance Code, is amended to | ||
read as follows: | ||
Sec. 1368.003. EXCEPTIONS [ |
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does not apply to: | ||
(1) an employer, trustee, or other self-funded or | ||
self-insured plan or arrangement with 250 or fewer employees or | ||
members; | ||
(2) [ |
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[ |
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[ |
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(A) cash indemnity for hospital or other | ||
confinement benefits; | ||
(B) supplemental or limited benefit coverage; | ||
(C) coverage for specified diseases or | ||
accidents; | ||
(D) disability income coverage; or | ||
(E) any combination of those benefits or | ||
coverages; | ||
(3) [ |
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[ |
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(4) [ |
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(5) [ |
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policy; | ||
(6) [ |
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[ |
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person eligible for Medicare coverage or other similar coverage | ||
under a state or federal government plan; or | ||
(7) [ |
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health maintenance organization if the plan holder is the subject | ||
of a collective bargaining agreement that was in effect on January | ||
1, 1982, and that has not expired since that date. | ||
(b) To the extent that this section would otherwise require | ||
this state to make a payment under 42 U.S.C. Section | ||
18031(d)(3)(B)(ii), a qualified health plan, as defined by 45 | ||
C.F.R. Section 155.20, is not required to provide a benefit under | ||
this chapter that exceeds the specified essential health benefits | ||
required under 42 U.S.C. Section 18022(b). | ||
SECTION 15. Section 1368.004, Insurance Code, is amended to | ||
read as follows: | ||
Sec. 1368.004. COVERAGE REQUIRED. (a) A [ |
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benefit plan shall provide coverage for the necessary care and | ||
treatment of chemical dependency. | ||
(b) Coverage required under this section may be provided: | ||
(1) directly by the [ |
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issuer; or | ||
(2) by another entity, including a single service | ||
health maintenance organization, under contract with the [ |
||
health benefit plan issuer. | ||
SECTION 16. Section 1368.005(b), Insurance Code, is amended | ||
to read as follows: | ||
(b) A [ |
||
durational limits for coverage required under this chapter that are | ||
less favorable than for coverage provided for physical illness | ||
generally under the plan if those limits are sufficient to provide | ||
appropriate care and treatment under the guidelines and standards | ||
adopted under Section 1368.007. If guidelines and standards | ||
adopted under Section 1368.007 are not in effect, the dollar and | ||
durational limits may not be less favorable than for physical | ||
illness generally. | ||
SECTION 17. Section 1355.007, Insurance Code, is repealed. | ||
SECTION 18. (a) The Texas Department of Insurance shall | ||
conduct a study and prepare a report on benefits for medical or | ||
surgical expenses and for mental health conditions and substance | ||
use disorders. | ||
(b) In conducting the study, the department must collect and | ||
compare data from health benefit plan issuers subject to Subchapter | ||
F, Chapter 1355, Insurance Code, as added by this Act, on medical or | ||
surgical benefits and mental health condition or substance use | ||
disorder benefits that are: | ||
(1) subject to prior authorization or utilization | ||
review; | ||
(2) denied as not medically necessary or experimental | ||
or investigational; | ||
(3) internally appealed, including data that | ||
indicates whether the appeal was denied; or | ||
(4) subject to an independent external review, | ||
including data that indicates whether the denial was upheld. | ||
(c) Not later than September 1, 2018, the department shall | ||
report the results of the study and the department's findings. | ||
SECTION 19. (a) The Health and Human Services Commission | ||
shall conduct a study and prepare a report on benefits for medical | ||
or surgical expenses and for mental health conditions and substance | ||
use disorders provided by Medicaid managed care organizations. | ||
(b) In conducting the study, the commission must collect and | ||
compare data from Medicaid managed care organizations on medical or | ||
surgical benefits and mental health condition or substance use | ||
disorder benefits that are: | ||
(1) subject to prior authorization or utilization | ||
review; | ||
(2) denied as not medically necessary or experimental | ||
or investigational; | ||
(3) internally appealed, including data that | ||
indicates whether the appeal was denied; or | ||
(4) subject to an independent external review, | ||
including data that indicates whether the denial was upheld. | ||
(c) Not later than September 1, 2018, the commission shall | ||
report the results of the study and the commission's findings. | ||
SECTION 20. The changes in law made by this Act to Chapters | ||
1355 and 1368, Insurance Code, apply only to a health benefit plan | ||
delivered, issued for delivery, or renewed on or after January 1, | ||
2018. A health benefit plan delivered, issued for delivery, or | ||
renewed before January 1, 2018, is governed by the law as it existed | ||
immediately before the effective date of this Act, and that law is | ||
continued in effect for that purpose. | ||
SECTION 21. This Act takes effect September 1, 2017. |