FL H1155

Requires insurers and health maintenance organizations to offer optional coverage for mental and nervous disorders under group health insurance policies, with benefits for schizophrenia, psychotic disorders, mood disorders, anxiety disorders, substance abuse disorders, eating disorders, and childhood attention deficit disorders.

Establishes benefit limits for mental health disorders not listed above: inpatient benefits limited to at least 45 days per benefit year, outpatient benefits at 60 visits per benefit year, and partial hospitalization services not exceeding the cost of 45 days of inpatient psychiatric care.

Authorizes insurers and health maintenance organizations to use financial incentives, peer review, utilization requirements, and other cost management methods to reduce service costs without compromising quality of care.

Exempts group health plans from requirements if compliance would increase coverage costs by more than 2 percent, as certified by an independent actuary to the Office of Insurance Regulation.

Repeals section 627.669 regarding optional coverage for substance abuse impaired persons and requires the Office of Insurance Regulation to report to the Legislature by January 1, 2016, on the act's impact on health insurance costs and plan compliance.

Takes effect January 1, 2014, applying to policies and contracts issued or renewed on or after that date.