RI S2687

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

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 to the commissioner within 15 working days if data shows material access differences, demonstrating actions taken to address disparities

Requires insurers to provide "meaningful benefits" for mental health and substance use disorders in every benefit classification where medical/surgical benefits are offered, including coverage of "core treatments" as defined by generally accepted standards of care

Takes effect upon passage and supplements existing state and federal mental health coverage requirements without limiting other obligations