CA AB1032

Large group health care service plans and health insurance policies issued, amended, or renewed on or after January 1, 2026, must cover up to 12 behavioral health visits for enrollees living in counties with declared local or state wildfire emergencies who experienced loss, trauma, or displacement from the fire

The 12 visits are not subject to utilization review and apply regardless of whether the behavioral health provider is in-network; enrollees pay only in-network cost-sharing amounts even when seeing out-of-network providers

Health plans and insurers must notify all affected enrollees within 30 days of a wildfire emergency declaration about this benefit and their existing rights to medically necessary mental health treatment

The bill does not apply to dental/vision-only plans, Medicare supplement plans, Medicare coverage, or Medi-Cal managed care plans, but does apply to CalPERS and State Teachers' Retirement System members

Declared an urgency statute taking effect immediately due to the significant behavioral health consequences survivors face after losing homes, belongings, and community safety in wildfires