FL S1422

Requires managed care plans to submit annual reports by July 1 detailing medical necessity criteria, nonquantitative treatment limitations (NQTLs), and analyses demonstrating that mental health and substance use disorder benefits are not more restrictive than medical and surgical benefits.

Mandates that insurers, health maintenance organizations, and nonprofit health plans comply with the federal Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) and related federal regulations for both individual and group health insurance.

Eliminates optional coverage requirements for mental and nervous disorders and repeals provisions allowing separate dollar limits ($1,000) and inpatient limits (30 days) for mental health benefits, replacing them with parity requirements.

Requires the Office of Insurance Regulation to implement and enforce MHPAEA compliance through market conduct examinations, complaint review, and detection of violations related to mental health and substance use disorder coverage.

Establishes an annual Office of Insurance Regulation report to the Legislature by December 31 describing compliance methodology and findings, written in nontechnical language and posted publicly on the office's website.