MS SB2331

Clarifies that all group health insurance policies and alternative delivery systems in Mississippi must provide covered benefits for treatment of mental illness, with limited exceptions for specified disease policies and limited benefit policies.

Requires health insurance policies for employers with 100 or fewer employees and individual policies to offer mental illness coverage, except for specified disease and limited benefit policies.

Establishes minimum coverage requirements: 30 days per year for inpatient services, 60 days per year for partial hospitalization, and 52 outpatient visits per year for clinically significant mental illness.

Mandates that payment rates for inpatient, outpatient, and partial hospitalization mental illness services be equal to rates for any other medical condition, eliminating prior limits on outpatient visit payments.

Repeals the prior formula in Section 83-9-40 that exempted policies from mental illness coverage requirements based on cost increases, and applies these requirements to policies issued or renewed on or after July 1, 2014.