KY SB212

Health benefit plans must cover mental health conditions under terms no more restrictive than physical health conditions, with combined deductibles and out-of-pocket limits for both

Insurers must submit annual compliance reports by April 1 demonstrating that nonquantitative treatment limitations for mental health are comparable to those for medical/surgical benefits, with reports published on the department's website

Insurance Commissioner must establish a hotline for health professionals and insureds to submit real-time complaints about parity violations, with insurers prohibited from retaliating against health professionals who file complaints

Attorney General may enforce violations through civil actions after providing 30 days written notice to cure, with remedies including actual damages, civil penalties per KRS 367.990, injunctions, and attorney's fees

Internal appeals for mental health claims must be decided within 5-7 calendar days (24-48 hours for expedited), and external reviews within 7-14 calendar days, with provisions applying to Medicaid managed care organizations effective upon passage