RI H7946

Requires health plan cost-sharing and treatment limitations for mental health and substance use disorder services to comply with federal Mental Health Parity and Addiction Equity Act regulations (89 Fed. Reg. 77586, Sept. 23, 2024)

Mandates health insurers collect and evaluate data to assess whether nonquantitative treatment limitations create material differences in access to mental health/substance use benefits compared to medical/surgical benefits

Insurers must submit documentation of corrective actions within 15 working days if requested by the commissioner when data indicates potential parity noncompliance

Requires insurers to demonstrate that factors and evidentiary standards used in comparative analyses are not biased against mental health or substance use disorder benefits

Mandates "meaningful benefits" for mental health and substance use disorders in every classification where medical/surgical benefits are provided, including coverage for core treatments as defined by generally accepted standards of care